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शहरी निर्धनों को मकान हेतु ब्याज सब्सिडी योजना (आईएसएचयूपी)

भारत सरकार की महत्त्वपूर्ण नीतिगत कार्यबिन्दुओं में से एक है ''सभी की पहुंच में मकान''. इसीके अंतर्गत आवास और शहरी गरीबी निर्मूलन मंत्रालस ने ब्याज सब्सिडी योजना बनाई है, जो शहरी क्षेत्रों के आर्थिक दृष्टि से कमजोर और अल्प आय वर्गों के तबकों की मकान की जरूरत को पूरा करने का एक अतिरिक्त उपाय होगा. इस योजना में आर्थिक दृष्टि से कमजोर और अल्प आय वर्गों के तबकों को घर खरीदने या घर के निर्माण र्क लिए ब्याज सब्सिडी देने का प्रावधान है.

प्रयोजन :योजना शहरों के सिर्फ आर्थिक दृष्टि से कमजोर और अल्प आय वर्गों के तबकों के लिए लागू होगी.

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  • ईडबल्यूएस – रु. 5000 की औसत मासिक आय वाले परिवार
  • एलआईजी – रु. 5001 से रु. 10000 तक की औसत मासिक आय वाले परिवार
  • वेतनभोगी व्यक्तियों हेतु: पिछले -3- माह के सकल वेतन के औसत का 48 गुना
  • अन्य हेतु – पिछले -2- वर्षों की वार्षिक आय के औसत का अधिकतम -4- गुना

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कितनी राशि का ऋण दिया जा सकता है

आर्थिक दृष्टि से कमजोर वर्ग के लिए - अधिकतम राशि रु. 1 लाख - 20 वर्षों के लिए, कम से कम 25 वर्गफीट के मकान के लिए

अल्प आय वर्ग के लिए 1,60,000 - 20 अधिकतम राशि रु. 40 वर्षों के लिए, कम से कम 1/- लाख पर ही होगी.

ऋण की अतिरिक्त राशि पर कोई सब्सिडी नहीं दी जाएगी.

भूखंड खरीदने के लिए कोई ऋण नहीं.


न्यूनतम 20%


प्रारंभिक स्थगन अवधि के साथ अधिकतम 20 वर्ष.


ऋण से खरीदे गए / निर्मित मकान का बंधक (रु. 1लाख तक के ऋण के लिए कोई सहायक प्रतिभूति / समूह की गारंटी को छोडकर कोई तृतीय पक्ष की गारंटी नहीं मांगी जाएगी.) जैसा कि बड़ौदा गृह ऋण पर लागू है.

सब्सिडी की प्रतिपूर्ति

योजना के तहत अधिकतम मूल राशि रु. 1लाख तक, 5% ब्याज सब्सिडी (निवल वर्तमान मूल्य के) उपलब्ध होगी.

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Select Home Loan Type
  • बडौदा गृह ऋण
  • बड़ौदा आवास ऋण एडवांटेज
  • बड़ौदा गृह ऋण टेकओवर योजना
  • बड़ौदा गृह सुधार ऋण
  • बड़ौदा पूर्व अनुमोदित गृह ऋण
  • शहरी निर्धनों को मकान हेतु ब्याज सब्सिडी योजना (आईएसएचयूपी)
  • प्रधान मंत्री आवास योजना
  • बड़ौदा गृह सुविधा वैयक्तिक ऋण
  • शहरी निर्धनों को मकान हेतु ब्याज सब्सिडी योजना (आईएसएचयूपी)
  • कम आय वाले आवास (सीआरजीएफ़एस) हेतु क्रेडिट रिस्क गारंटी फ़ंड योजना
  • Others

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अक्सर पूछे जाने वाले प्रश्न

  • Can I avail a Home Loan from Bank of Baroda?

    Yes, you can avail a Home Loan from Bank of Baroda, if you plan to construct or purchase a house/flat or extend your existing house/flat and, you are

    • A minimum of 21 years
    • Employed or self-employed with regular income.
  • Who can be co-applicant?

    The proposed owners of the residential accommodation as per the agreement for sale, in respect of which financial assistance is sought, must be co-applicants. Usually joint applications are from husband-wife, father-son, mother-son, etc.

  • How much does Bank of Baroda lend?

    Loan amount is determined on the basis of the repaying capacity of the applicant(s). For calculating the repaying capacity, various factors are taken into consideration such as age, income, dependents, assets, liabilities, stability of occupation and continuity of income, savings, etc.

    The maximum loan would be Rs. 10 crores per unit to any individual applicant based on the area where property is proposed to be constructed/purchased. We will extend the loan up to 90% (for fresh houses/flat) of the cost of property under our housing loan scheme.

  • What is the average tenure of a home loan?

    We grant term up to a maximum of 30 years. The term for the loan will under no circumstances exceed the age of retirement or completion of 65 years of age, whichever is earlier.

  • But can I prepay the loan ahead of schedule?

    Yes, you have the option to prepay the loan ahead of schedule either in part or in full from your own sources.

  • What is the mode of repayment?
    • Equated Monthly Instalment (EMI): It means a uniform lump sum amount, which includes repayment of a part of the principal amount and payment of interest, calculated on daily products basis.
    • Fixing the monthly/quarterly instalments on graduated basis is permitted of EMI as requested by customers.

  • What is the security for the loan?

    The security for the loan is equitable mortgage of the property to be financed.

  • Do you insist on LIC policy as additional collateral security?

    No, it is not mandatory.

  • What are the supporting documents required while applying for the loan?
    Common requirements for all applicants:
    1. Application form duly filled in (with photograph of all the applicant).
    2. Residence and age verification, which may be established from the PAN card, election ID, passport, drivers’ license, ration card, etc.
    3. Copy of approved plan and sanction letter from local civic authority.
    4. Copy of NA permission.
    5. One/two guarantor(s) form(s) and salary certificates. If the guarantor is in business, copies of I.T. returns or assessment orders for the last three years are required.
    6. Bank passbook of statements for the last two years.
    7. Latest salary slip/statement showing all deductions in case of employed applicants.
    8. Certified copies of balance sheets and profit and loss accounts, IT acknowledgments, advance tax challans (for both company/firm and personal account) for the last three years in case of self-employed applicants.
    9. Memorandum/Articles of Association for companies, partnership deeds for firms and a brief profile of your company/firm in case of self-employed applicants.

    Additional requirement

    In case of purchase from builder:

    1. Copy of agreement for sale.
    2. Copy of registration receipt.
    3. Copy of sanctioned plan & sanction letter of the competent authorities.
    4. Copy of NA permission/ULC order.
    5. Copies of receipts of payments already made.
    6. NOC from builders in our format.

    In case of direct allotment in a Co-operative Housing Society:

    1. Allotment letter.
    2. Share certificate.
    3. Society registration certificate.
    4. Copy of sale/lease deed in favour of the society.
    5. NOC from society in our format.
    6. Possession letter in original.

    In case of resale:

    1. Copy of all previous vendors’ agreements duly stamped and registered and the registration receipts (original to be given before disbursement).
    2. NOC from society/builder in our format.
    3. Original share certificate.
  • Do you have any housing loan product for NRIs?

    Yes. We have Housing Loan products for NRIs/PIOs. For details, please visit our website at housing loans to NRIs/PIOs.

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