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Aashray Home Loan

First-home finance for eligible urban applicants with regular income but little or no documented income proof; up to ₹20 lakh, with no processing fee and an application route through JanSamarth.

Published interest-rate formulaStarts at EBLR + 10 basis points, based on CIBIL; SBI does not publish a single Aashray all-in rate on this page.Maximum financeUp to ₹20 lakhMaximum loan amountMaximum loan amount ₹20 lakh; maximum project cost ₹45 lakh in metros and ₹30 lakh at other centres
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Quick eligibility check

Aashray Home Loan

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: Gross annual household income up to ₹6,00,000?

Published source: Household income eligibility ceiling

2Are you this type of customer: Resident Indian?

Published source: Eligibility

3Do you meet this requirement: family must not own a pucca house anywhere in India?

Published source: Eligibility

4Do you meet this requirement: satisfactorily maintained bank account or UPI history for at least 24 months?

Published source: Eligibility

5Are you aged 21 to 60?

Published source: Eligibility

6Document checkDo you have this required document or proof: Completed loan application form with passport-size photographs?

Published source: Documents required

7Document checkDo you have this required document or proof: KYC-compliant SBI savings account: no fresh KYC document; provide address proof if the address has changed and PAN if it is absent from SBI's records?

Published source: Documents required

8Document checkDo you have at least one of these required documents: Non-KYC-compliant SBI savings account — identity proof (any one): PAN, passport, driving licence or voter ID?

Published source: Documents required

9Document checkDo you have at least one of these required documents: Non-KYC-compliant SBI savings account — address proof (any one): recent telephone, electricity, water or piped-gas bill, or passport, driving licence or Aadhaar card?

Published source: Documents required
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 7 Oct 2026 · active
Offered byState Bank of India

Urban areas in India; resident-Indian applicants

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Maximum financeUp to ₹20 lakhView source
Project cost is capped at ₹45 lakh in metros and ₹30 lakh elsewhere.
Source
Aashray Home Loan
Page / section
Features
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Processing feeNo processing feeView source
The features and fees sections state nil/no processing fee.
Source
Aashray Home Loan — official product page
Page / section
Features and Fees
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Loan typeHome loanView source
The official product name identifies this as “ Aashray Home Loan”.
Source
Aashray Home Loan — official product page
Page / section
Official product name and loan classification
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Maximum loan amountMaximum loan amount ₹20 lakh; maximum project cost ₹45 lakh in metros and ₹30 lakh at other centresView source
The features section states maximum loan amount Rs. 20 Lakh and maximum project cost Rs 45.00 lakh in Metro and Rs 30 lakh in other centres.
Source
Aashray Home Loan — official product page
Page / section
Features
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Annual-report maximum amount (cross-check)SBI's FY2024-25 Annual Report describes the Aashray Home Loan maximum as ₹35 lakh. The current live Aashray product page separately states a ₹20 lakh maximum loan amount; the live product-page value is retained for comparison and this older report value is preserved as historical cross-check evidence.Effective 31 Mar 2025View source
The report's Aashray summary states a maximum loan amount of ₹35 lakh and describes the product as serving // borrowers with steady income and limited documented income proof.
Source
Annual Report FY2024-25
Page / section
Director's Report — Aashray Home Loan
Accessed
10 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsResident Indian; family must not own a pucca house anywhere in India; gross annual household income up to ₹6,00,000; satisfactorily maintained bank account or UPI history for at least 24 months; entry age 21–60; first-home purchase/construction with carpet area up to 60 sq m; no house allotment under a Central, State, UT or local-government housing scheme in the previous 20 years.View source
The manually reviewed product record states: “Resident Indian; family must not own a pucca house anywhere in India; gross annual household income up to ₹6,00,000; satisfactorily maintained bank account or history for at least 24 months; entry age 21–60; first-home purchase/construction with carpet area up to 60 sq m; no house allotment under a Central, State, UT or local-government housing scheme in the previous 20 years.”.
Source
Aashray Home Loan — official product page
Page / section
Published product metadata
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Published interest-rate formulaStarts at EBLR + 10 basis points, based on CIBIL; SBI does not publish a single Aashray all-in rate on this page.View source
The page says: Aashray Home Loan interest rate starting at + 10 BPS based on . The linked general Home Loan rate card does not name Aashray, so its numeric rate range is not substituted here.
Source
Aashray Home Loan — live product page
Page / section
Lines 116–121 — Interest Rates & Fees and linked Card Rates
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Rate benchmarkEBLR; SBI's published EBLR is 7.90% + CRP + BSP, effective 15 December 2025. Aashray adds 10 basis points based on CIBIL; CRP/BSP are not specified for an individual borrower here.Effective 15 Dec 2025View source
publishes revised as 7.90 + + . The Aashray page separately states its starting rate as + 10 bps based on . Since borrower-specific / are not supplied, this is benchmark context, not an all-in rate calculation.
Source
External Benchmark Based Lending Rate and Aashray Home Loan
Page / section
page table, effective 15-12-2025, updated 12-12-2025; Aashray page Interest Rates & Fees
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Household income eligibility ceilingGross annual household income up to ₹6,00,000.View source
The eligibility list says gross annual household income up to Rs. 6 lacs; this is an income ceiling, not a minimum-income requirement.
Source
Aashray Home Loan — live product page
Page / section
Lines 108–115 — Eligibility
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
EligibilityResident Indian; family must not own a pucca house anywhere in India; gross annual household income up to ₹6,00,000; satisfactorily maintained bank account or UPI history for at least 24 months; entry age 21–60; first-home purchase/construction with carpet area up to 60 sq m; no house allotment under a Central, State, UT or local-government housing scheme in the previous 20 years.View source
The page lists Resident Indian, family without a pucca house, household income up to Rs. 6 lacs, at least 24 months of satisfactory bank/ history, entry age 21–60, maximum carpet area 60 sq m and no government housing-scheme allotment in the last 20 years.
Source
Aashray Home Loan — live product page
Page / section
Lines 108–115 — Eligibility
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Documents requiredCompleted application with photos; KYC-dependent identity/address/PAN documents; sale deed or stamped sale agreement with title-link documents; occupancy certificate; approved plan and builder agreement/conveyance deed; property bills/receipts; 24-month statements for every applicant account; GST returns where available.View source
This compact summary does not replace the full -branch and property-document checklist on the product page; see the complete source table on this product page.
Source
Aashray Home Loan — live product page
Page / section
Lines 127–150 — List of papers/documents applicable to all applicants
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Named customer groupsSmall traders, shopkeepers, skilled and semi-skilled workers/artisans in the unorganized sector; SHG members; PM SVANidhi, PM Vishwakarma, PMMY and SUI beneficiaries; all PMAY(U) 2.0 beneficiary groups; gig workers.View source
The current page names the listed groups and separately states that all (U) 2.0 beneficiary groups are covered. The historical annual-report description is retained as historical evidence, not used as the current audience list.
Source
Aashray Home Loan — live product page
Page / section
Lines 88–92 — intended applicant groups
Accessed
7 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Designed for eligible applicants with regular income but no formal income proof; considers a digital income footprint.
  • Maximum loan ₹20 lakh; maximum project cost ₹45 lakh in metros and ₹30 lakh at other centres.
  • No processing fee.
  • Interest is calculated on a daily-reducing balance.
  • Potential (U) 2.0 interest subsidy, subject to that scheme's eligibility and terms.
  • Applications are routed through JanSamarth.

Eligibility

  • Resident Indian; the applicant's family must not own a pucca house anywhere in India.
  • Gross annual household income must be up to ₹6,00,000.
  • A satisfactorily maintained running bank account or transaction history is required for at least 24 months.
  • Entry age: 21–60 years.
  • The home is for purchase or construction as a first home; maximum carpet area is 60 sq m.
  • The beneficiary must not have been allotted a house under a Central, State, Union Territory or local-government housing scheme in the preceding 20 years.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Completed loan application form with passport-size photographs.
  • -compliant savings account: no fresh document; provide address proof if the address has changed and if it is absent from records.
  • Non--compliant savings account — identity proof (any one): , passport, driving licence or voter .
  • Non--compliant savings account — address proof (any one): recent telephone, electricity, water or piped-gas bill, or passport, driving licence or Aadhaar card.
  • Registered sale deed or stamped agreement to sell, plus link documents tracing title.
  • Occupancy certificate.
  • Share certificate (only for Maharashtra), maintenance bill, electricity bill and property-tax receipt.
  • Copy of approved plan (xerox blueprint), registered builder development agreement and conveyance deed.
  • Bank statements for the last 24 months for every bank account held by each applicant.
  • returns wherever available.

Related official documents

SBI Annual Report FY2024-25 — Aashray Home Loan product descriptionofficial-annual-report-pdf · current · accessed 10 Sept 2026
↗
SBI Aashray Home Loan — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
SBI Aashray Home Loan — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
SBI External Benchmark Based Lending Rate — current published benchmarkofficial-interest-rate-page · current-table-reviewed-html-hash-unavailable · accessed 7 Oct 2026
↗
SBI Home / Home Related Loans — Important Notification linked from Aashrayofficial-interest-rate-notification-pdf · full-text-layer-reviewed-visual-and-original-byte-hash-pending · accessed 7 Oct 2026
↗
SBI Aashray Home Loan — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
SBI Home and Home Related Loan Rate Card — linked generic rate scopeofficial-rate-card-image-scope-review · reused-prior-reviewed-source-version-product-scope-not-explicit · accessed 7 Oct 2026
↗
SBI Aashray Home Loan — official product-image discoveryofficial-product-image-discovery · no-dedicated-product-art-found · accessed 7 Oct 2026
↗
SBI Home Loan & Top Up Processing Fee Card — current link from Aashray pageofficial-processing-fee-card-pdf · full-text-layer-reviewed-visual-and-original-byte-hash-pending · accessed 7 Oct 2026
↗
SBI Aashray Home Loan for EWS & LIG in Urban Areas — live product pageofficial-product-page-current-snapshot · current-full-searchable-page-reviewed-html-hash-unavailable · accessed 7 Oct 2026
↗
SBI Home Loans — Current Product Catalogue and Product Pagesofficial-product-catalogue · current · accessed 13 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Combo Home Loan · Published pricing detailLive Home Loan card-rate link

This value is copied from home-loan variants — published rate route. Check the table notes before relying on it.

Source: Home Loans — official product pages · Interest Rates & Fees / Card Rates Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 4 columnsSBI home-loan variants — published rate routeProduct-page review of how each variant publishes pricing.View tableHide table

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SBI home-loan variants — published rate route
ProductPublished pricing detailSeparate numeric rate on product pageSeparate
Combo Home LoanLive Home Loan card-rate linkNoNo
Home LoanLive Home Loan card-rate linkNoNo
Repair and RenovationLive Home Loan card-rate linkNoNo
Home Top UpCompetitive rate; live card-rate linkNoNo
2.0Live Home Loan card-rate linkNoNo
Reverse MortgageLive Home Loan card-rate linkNoNo
Tribal PlusLive Home Loan card-rate linkNoNo
Aashray + 10 bps based on ; live card-rate linkStarting formula onlyNo
  • The table records the issuer's publication route; it does not substitute another product's card rate.
Home Loans — official product pages · Interest Rates & Fees / Card Rates · accessed 29 Aug 2026Open official source ↗
Table 2 · 2 rows · 3 columnsAashray Home Loan — maximum amount source comparisonThe live product page and FY2024-25 annual report publish different maximum amounts; both are shown with source dates.View tableHide table

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Aashray Home Loan — maximum amount source comparison
SourcePublished maximumHow it is used
Current Aashray product page₹20 lakhCanonical comparison value
Annual Report FY2024-25₹35 lakhHistorical cross-check; confirm current limit before applying
  • The discrepancy is preserved rather than silently merging or inferring a revised limit.
Annual Report FY2024-25 · Director's Report — Aashray Home Loan · effective 31 Mar 2025 · accessed 10 Sept 2026Open official source ↗
Table 3 · 4 rows · 6 columnsSBI home-loan variants — concrete published limits and fee conditionsVariant values retained from the source-family review; the Aashray row was checked against its current official product page on 7 October 2026.View tableHide table

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SBI home-loan variants — concrete published limits and fee conditions
VariantPublished amountIncomeTenureProcessing feePrepayment
AashrayUp to ₹20 lakh; project cost ₹45 lakh metro / ₹30 lakh other centresGross annual household income up to ₹6 lakhNil
Home Loan to Non-Salaried₹20 lakh minimum to ₹50 crore maximumNo numeric income floor; business and tax records requiredUp to 30 yearsLow processing fee; linked cardNot published
Home LoanNo fixed amount; online loan-amount routeNo numeric income floorUp to 30 yearsNo -specific numeric fee on pageNo prepayment penalty
2.0₹25 lakh maximum; project cost ₹35 lakhGross annual household income up to ₹9 lakhNot published separatelyNo fee up to ₹8 lakh; regular scheme thereafterNot published
  • Blank Aashray tenure and prepayment cells mean the current Aashray page and linked current fee/rate material reviewed here do not publish those values. The tracking ledger records not_found_after_review; the customer-facing table does not substitute absence prose.
  • Other variant rows are reused unchanged from the 29 August 2026 source-family review and are not newly researched in this packet.
Aashray Home Loan current page and previously reviewed variant pages · Aashray page lines 100–125; sibling product rows reused from the 29-08-2026 variant review · accessed 7 Oct 2026Open official source ↗
Table 4 · 5 rows · 5 columnsSBI special home-loan variant limits and feesVariant values retained from the source-family review; the Aashray row was checked against its current official product page on 7 October 2026.View tableHide table

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SBI special home-loan variant limits and fees
VariantPublished amountPublished tenureProcessing feePrepayment
Aashray₹20 lakh loan; project cost ₹45 lakh metro / ₹30 lakh other centresNil
PrivilegeNo numeric cap shown; amount based on income and repayment capacityUp to 30 yearsFull waiver; other out-of-pocket costs at actualsNo pre-payment penalty
ShauryaNo numeric cap shown; application/card-rate routeUp to 30 yearsFull waiver; other out-of-pocket costs at actualsNo pre-payment penalty
RealtyUp to ₹15 croreOverview says 15 years; eligibility says up to 10 yearsNot statedNo pre-payment penalty
Insta Home Top UpNo numeric cap shown; pre-selected routeNot stated₹3,000 plus applicable service taxNot stated
  • Blank Aashray tenure and prepayment cells mean the current Aashray page and linked current fee/rate material reviewed here do not publish those values; absence dispositions remain in the tracker.
  • Other variant rows are reused unchanged from the 29 August 2026 source-family review and are not newly researched in this packet.
Aashray Home Loan current page and previously reviewed variant pages · Aashray page lines 100–125; sibling product rows reused from the 29-08-2026 variant review · accessed 7 Oct 2026Open official source ↗
Table 5 · 7 rows · 2 columnsSBI Aashray Home Loan — published eligibility conditionsAll numerical and household/property conditions listed on the live Aashray eligibility section.View tableHide table

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SBI Aashray Home Loan — published eligibility conditions
ConditionPublished requirement
ResidenceResident Indian
Existing home ownershipFamily must have no pucca house anywhere in India
Household incomeGross annual household income up to ₹6 lakh
Banking historySatisfactorily maintained bank account or transaction history for at least 24 months
Entry age21–60 years
Home and sizeFirst-home purchase or construction; maximum carpet area 60 sq m
Prior government allotmentNo house allotted under a Central, State, UT or local-government housing scheme during the previous 20 years
  • The live page also names small traders, shopkeepers, skilled/semi-skilled workers/artisans, members, listed scheme beneficiaries, all (U) 2.0 beneficiary groups and gig workers as intended groups; this is not a substitute for scheme-level eligibility terms.
Aashray Home Loan — live product page · Lines 108–115 — Eligibility; lines 88–92 — intended applicant groups · accessed 7 Oct 2026Open official source ↗
Table 6 · 9 rows · 2 columnsSBI Aashray Home Loan — document checklistDocument categories and alternatives transcribed from the complete current official checklist.View tableHide table

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SBI Aashray Home Loan — document checklist
Applicant/document groupPublished documents or condition
ApplicationCompleted loan application form with passport-size photographs
-compliant savings accountNo fresh ; address proof if the address changed; if not already in records
Non--compliant account — identityAny one: , passport, driving licence or voter
Non--compliant account — addressAny one: recent telephone, electricity, water or piped-gas bill; passport, driving licence or Aadhaar card
Property title and saleRegistered sale deed or stamped agreement to sell, plus link documents tracing title
Property occupation and societyOccupancy certificate; share certificate (only in Maharashtra); maintenance bill; electricity bill; property-tax receipt
Plan and builder papersApproved plan copy (xerox blueprint), registered builder development agreement and conveyance deed
Bank statementsLast 24 months for every bank account held by each applicant
Tax records returns wherever available
  • The source labels the checklist as applying to all applicants and supplies different documents depending on whether the savings account is -compliant.
Aashray Home Loan — live product page · Lines 127–150 — List of papers/documents applicable to all applicants · accessed 7 Oct 2026Open official source ↗
Table 7 · 8 rows · 3 columnsSBI Aashray Home Loan — published rate, fee and amount termsProduct-specific values are distinguished from the linked general rate-card context.View tableHide table

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SBI Aashray Home Loan — published rate, fee and amount terms
TopicPublished valueScope / condition
Interest formulaStarting at + 10 basis pointsBased on ; this is the Aashray page's formula, not a single all-in rate
7.90% + + Effective 15 December 2025; borrower-specific / are not stated on this page
Linked generic Home Loan (TL) card7.25%–8.55%Rate card effective 20 May 2026; it does not name Aashray, so this range is not assigned as the Aashray rate
Processing feeNo processing feeExplicit Aashray page statement; linked generic fee card has no Aashray row
Maximum loan amount₹20 lakhProduct loan ceiling
Maximum project cost₹45 lakh in metros; ₹30 lakh at other centresProject-cost caps are separate from the loan ceiling
Interest calculationDaily reducing balanceFeature stated on the Aashray page
Repayment tenureThe current Aashray page and linked documents reviewed here give no numeric repayment tenure
  • The page links an Important Notification that discusses benchmark (REPO) changes for Home/Home Related Loan accounts. The notice does not name Aashray or replace the product page's + 10 bps formula.
  • The generic linked card rate is context only. Do not calculate a specific Aashray borrower rate from the generic Home Loan row without explicit variant applicability and borrower-specific pricing terms.
  • The blank repayment-tenure cell is intentional; its not_found_after_review disposition is in the tracker.
Aashray Home Loan and linked benchmark/rate sources · Aashray page lines 100–125; table effective 15-12-2025; linked general rate-card image effective 20-05-2026 · accessed 7 Oct 2026Open official source ↗

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