For many families, the dream of owning a home often depends on access to the right financial support. Sambhav Home Loans by Bajaj Housing Finance are designed to support underserved and unserved borrower segments, including economically weaker sections and lower-income households, through simplified eligibility assessment, minimal documentation requirements, and a hassle-free application process.
Designed for Diverse Borrower Profiles
Sambhav Home Loans are designed to support individuals from diverse income and employment backgrounds, especially those from economically weaker and underserved sections of society. The offering focuses on improving access to affordable housing finance for eligible borrowers whose income structures may not always fit within conventional lending frameworks.
Sambhav Home Loans caters to salaried as well as self-employed applicants working across different occupations and sectors. For example, eligible salaried applicants, such as full-time contractual employees, third-party payroll employees, employees working with proprietorship firms and partnership firms, individuals employed with small or newly established businesses, and applicants with cash-based incomes can apply for Sambhav Home Loan.
Sambhav Home Loans also cater to eligible self-employed individuals and borrowers engaged in small or informal businesses, including small traders and shop owners, small service providers, and micro-entrepreneurs.
By supporting diverse occupational profiles, Sambhav Home Loans aim to make homeownership more accessible for eligible borrowers across India.
How Sambhav Home Loan Funds Can Be Used
Funds availed through Sambhav Home Loans can be used to meet different housing needs, depending on eligibility and property profile. Eligible borrowers can use the loan amount for:
- Purchasing a ready-to-move-in residential property
- Buying an under-construction home
- Self-construction on an owned residential plot
- Plot plus construction
- Home renovation, extension, or improvement
Eligibility Criteria for Sambhav Home Loans
To apply for a Sambhav Home Loan, you need to meet the following eligibility criteria:
Salaried Applicants
- Applicants should be Indian citizens (residents only)
- Applicants should be between 23 and 62 years** of age
Self-Employed Applicants
- Applicants should be Indian citizens (residents only)
- Applicants should be between 23 and 70 years** of age
**The upper age limit is considered as the age at the time of loan maturity. Additionally, the upper age limit is subject to change depending on the property profile.
Documents Required for Sambhav Home Loans
Keep the following documents while applying for a Sambhav Home Loan:
Mandatory Documents
- PAN Card or Form 60 (for applicants who do not have a PAN Card)
KYC Documents
- Recent passport-sized photograph
- Voter ID Card
- Valid address proof
- Proof of possession of Aadhaar
- Valid Driving Licence
Property-Related Documents
- Title deed
- Allotment letter
- Property tax receipts
Additional Documents for Self-Employed Applicants
- Business vintage proof
Note: This list is indicative. Additional documents may be requested during the loan processing stage.
Steps to Apply for Sambhav Home Loan
You can apply for a Sambhav Home Loan online by following these simple steps:
- Visit the Home Loan application form.
- Enter your personal details, including your name, mobile number, and employment type.
- Select the required loan type and provide your monthly income details.
- Enter your PIN code along with the preferred loan amount.
- Generate and verify the OTP sent to your registered mobile number.
- Complete the remaining application details.
- Review the information carefully and click on ‘Submit’.
Once the application is submitted, a representative from Bajaj Housing Finance will connect with you within 24 hours* to guide you through the next steps. You can also visit the nearest branch to apply offline.
*Terms and conditions apply










