Swift & Easy Home Loans from SBM Bank

Whether its a lavish home in the heart of the city or a luxurious villa in the outskirts, living in a home that perfectly suits your needs and reflects your sensibilities is a dream come true.

At SBM Bank, we understand the importance of swift solutions in today’s fast-paced world. That’s why our Home Loan products are tailored to prioritize speed and efficiency. With a streamlined application process and unmatched quick turnaround time (TAT), we ensure your journey to owning your dream home is both smooth and stress-free.

While our house loan interest rates are competitive, our true strength lies in delivering fast approvals and a seamless experience. Whether you’re seeking flexible repayment options or an expedited approval process, SBM Bank is here to provide the financial assistance you need, exactly when you need it. Trust us to help you create a space you can call your own without unnecessary delays.

Home Loans at SBM Bank

FEATURES & BENEFITS

To ensure that we can encompass and meet the varying needs of our diverse clientele, we offer customised Home Loan products, whether you are planning to purchase a ready-to-move-in flat or an under-construction property. Here are a few salient features of the SBM Bank Home Loan that make it an advantageous option while you buy your dream home:

  • Quick Processing: You can rest assured that your Home Loan application will be approved quickly, even before you select the concerned property.
  • Attractive Home Loan Interest Rates: We offer attractive fixed and floating home loan interest rates without any hidden charges to make repaying your Home Loan as easy as possible.
  • Convenient Terms: Opting for a Home Loan at SBM Bank allows you to avail of flexibility concerning tenure, repayment, and additional assistance.
  • Added Perks: Whether you want to transfer your Home Loan to SBM Bank or need a top-up loan, we have your myriad needs covered.

We also offer competitive house loan interest rates to further ensure you get the best deal.

To ensure that availing of our Home Loan is easily accessible, SBM Bank has set simple eligibility requirements. To qualify for our Home Loan products, you simply need to meet the parameters listed below:

  • You can be a self-employed individual, a salaried individual, or a professional like a Doctor, Architect, CA, etc.
  • You should be at least 23 years old at the time of loan application, and your maximum age at the time of final EMI repayment should not exceed 65 years.
  • You should be able to provide the requisite documents to be deemed eligible for the loan.
  • At SBM Bank, we also consider your credit history and score when evaluating your application.
  • Lastly, we also review any existing debt, such as other loans, credit card dues, etc.

Additionally, we offer attractive house loan interest rates, making it easier for you to realize your dream of owning a home. To know more, share your details here and our representative will reach out to assist you.

Mandatory Documents: PAN Card, Completely filled and duly signed application form along with all applicants latest passport size photo, Upfront initial processing fee cheque, Self-attestation of all borrowers on documents (as applicable)

Proof of Identity

For Individuals: Passport, PAN, Aadhar, Voter ID, Driving License, Govt Issued Photo ID 

For Non-Individuals/business entities : – Shops & Establishment Certificate – Trade License Certificate – SSI Registration Certificate – PAN Card/Sales Tax/ VAT Registration Certificate – Partnership Deed/ MOA etc.

KYC – Age Proof:

  • Passport
  • PAN Card
  • Driving License
  • Life Insurance Policy
  • Birth Certificate (issued by Govt body)
  • School Leaving certificate (10th)
  • Employee ID (only for PSU/Govt. employees)
  • Aadhar card with DOB

Proof of Address –

For Individuals :-  Passport – Driving License – Voters ID card – Aadhar Card – Letter from a recognized public authority or public servant verifying the identity and residence of the applicant/s. – Utility bill (anyone from latest 3 months from date of application.) – Notarised Rent agreement on stamp Paper – Bank Statements etc

Non-Individuals / Business entities : Shops & Establishment Certificate/ Trade License Certificate /SSI Registration Certificate/Sales Tax/ VAT Registration Certificate/ Partnership Deed/ MOA etc.

KYC – Constitution documents

Pvt Ltd Company/closely Held Public Ltd Company:

  • Certificate of Incorporation
  • MOA & AOA of the company
  • Form 32
  • Annual return filed with ROC
  • List of Directors & Shareholding pattern duly certified by CA

Partnership firm/ Proprietorship firm:

  • Partnership Deed – certified by all partners that it is the latest deed as on date
  • Dissolution Deed – certified by current partners to be latest deed as on date
  • License issued by the Registering authority like Certificate of Practice etc.

Income Documents:

Salaried:

  • 2 year Form 16
  • Latest year ITR
  • Min 3 latest salary slips (min 6 payslips ONLY in case variable monthly income to be considered)
  • Salary certificate/ latest increment letter etc

SENP/SEP:

  • Latest two ITRs and Audited Financials both personal and business along with computation of income
  • 3 years audited financials required for proposals greater than Rs 200 lacs.
  • Advance Tax Challans / VAT returns etc

Property documents like a title deed, no encumbrance certificate, and documents from previous owners of the property, if applicable.

Passport size photos, to be attached on the application form in case of offline applications.

You might be asked to submit more documents if needed. However, at SBM Bank, we do ensure that our documentation requirement is minimal and that you are not tasked with arranging and submitting excessive paperwork.

Please provide your contact details below and we will get back to you shortly.

To ensure that availing of our Home Loan is easily accessible, at SBM Bank we have basic eligibility requirements. To avail of our Home Loan products, you simply have to meet the parameters listed below:

  • You can be a self-employed individual or a salaried individual or a professional like Doctor, Architect, CA, etc.
  • You should be at least 23 years old at the time of loan application, while your maximum age at the time of final EMI repayment should not exceed 65 years.
  • You should be able to provide the requisite documents to be deemed eligible for the loan.

At SBM Bank, we also factor in your credit history and score while deciding on your application. Lastly, we also look at your existing debt, if any, in terms of other loans, credit card dues, etc.

Mandatory Documents: PAN Card, Completely filled and duly signed application form along with all applicants latest passport size photo, Upfront initial processing fee cheque, Self-attestation of all borrowers on documents (as applicable)

Proof of Identity

For Individuals: Passport, PAN, Aadhar, Voter ID, Driving License, Govt Issued Photo ID

For Non-Individuals/business entities : - Shops & Establishment Certificate - Trade License Certificate - SSI Registration Certificate - PAN Card/Sales Tax/ VAT Registration Certificate - Partnership Deed/ MOA etc.

KYC - Age Proof:

  • Passport
  • PAN Card
  • Driving License
  • Life Insurance Policy
  • Birth Certificate (issued by Govt body)
  • School Leaving certificate (10th)
  • Employee ID (only for PSU/Govt. employees)
  • Aadhar card with DOB

Proof of Address -

For Individuals :-  Passport - Driving License - Voters ID card - Aadhar Card - Letter from a recognized public authority or public servant verifying the identity and residence of the applicant/s. - Utility bill (anyone from latest 3 months from date of application.) - Notarised Rent agreement on stamp Paper - Bank Statements etc

Non-Individuals / Business entities : Shops & Establishment Certificate/ Trade License Certificate /SSI Registration Certificate/Sales Tax/ VAT Registration Certificate/ Partnership Deed/ MOA etc.

KYC - Constitution documents

Pvt Ltd Company/closely Held Public Ltd Company:

  • Certificate of Incorporation
  • MOA & AOA of the company
  • Form 32
  • Annual return filed with ROC
  • List of Directors & Shareholding pattern duly certified by CA

Partnership firm/ Proprietorship firm:

  • Partnership Deed - certified by all partners that it is the latest deed as on date
  • Dissolution Deed - certified by current partners to be latest deed as on date
  • License issued by the Registering authority like Certificate of Practice etc.

Income Documents:

Salaried:

  • 2 year Form 16
  • Latest year ITR
  • Min 3 latest salary slips (min 6 payslips ONLY in case variable monthly income to be considered)
  • Salary certificate/ latest increment letter etc

SENP/SEP:

  • Latest two ITRs and Audited Financials both personal and business along with computation of income
  • 3 years audited financials required for proposals greater than Rs 200 lacs.
  • Advance Tax Challans / VAT returns etc

Property documents like a title deed, no encumbrance certificate, and documents from previous owners of the property, if applicable.

Passport size photos, to be attached on the application form in case of offline applications.

You might be asked to submit more documents if needed. However, at SBM Bank, we do ensure that our documentation requirement is minimal and that you are not tasked with arranging and submitting excessive paperwork.

Please provide your contact details below and we will get back to you shortly.

FAQs

A Home Loan balance transfer allows you to opt out of a home loan you might have taken at another bank and switch to another option that offers better terms. If you opt to transfer your Home Loan to SBM Bank, you can leverage our flexible terms to enjoy attractive interest rates and reduce the EMI amounts payable every month.

SBM Bank is one of the few banks in India that will approve your Home Loan application even before you have a location or property in mind. Since we approve your application so expeditiously, you can select a property with an exact idea of the funds available to you and the amount you would have to pump in.

Request a call back

SBM Bank Logo

© 2025 SBM Bank All Rights Reserved.
Privacy Policy | Security | Terms & Conditions

DICGC-logo DICGC-QR-code
SBM Bank (India) Ltd is registered with DICGC for the deposit insurance scheme under the DICGC Act 1961. For more information you can visit  https://www.dicgc.org.in/  Or Scan the QR code