Can I apply for a Sambhav Home Loan without income proof?

Yes. Small business owners who do not have income proof may apply for a Sambhav Home Loan by submitting PAN Card or Form 97 (if a PAN Card is not available), KYC documents such as a recent passport-sized photograph, Voter ID Card, proof of possession of Aadhaar, and a valid Driving Licence, property documents including the title deed, allotment letter, and property tax receipts, along with business vintage proof.

Can I apply for a Sambhav Home Loan if I have not filed ITRs regularly?

Yes. Applicants with irregular or unavailable Income Tax Return (ITR) records may still be eligible to apply for a Sambhav Home Loan, subject to the lender's eligibility criteria and document verification.

What is the maximum repayment tenure for a Sambhav Home Loan?

You can repay a Sambhav Home Loan over a tenure of up to 25 Years.

How can I apply for a Sambhav Home Loan?

You can apply for a Sambhav Home Loan online by completing the application form on the Bajaj Housing Finance website or by visiting your nearest Bajaj Housing Finance branch for assistance.

Sambhav Home Loan for Small Business Owners

Overview

Homeownership is a cherished aspiration for many individuals, including self-employed business owners and micro-entrepreneurs, such as local traders and shop owners. Sambhav Home Loans are designed to help make this aspiration a reality.

Sambhav Home Loan recognises diverse income patterns and evaluates them through a structured, holistic assessment. Guided by the vision of ‘Karein Har Ghar Mumkin’, the focus is on enabling homeownership through easy eligibility criteria and a hassle-free application process.

Features and Benefits of Sambhav Home Loan

Loan Amounts Aligned with Your Housing Needs

Eligible applicants can avail of loan amounts starting from Rs.4 Lakh*.

Longer Repayment Tenure for Comfortable EMIs

Choose a repayment tenure of up to 25 years, allowing you to repay your loan comfortably.

Simplified Eligibility Assessment

Sambhav Home Loans are designed to accommodate diverse income profiles. Applicants with or without income proof or irregular ITRs can apply by submitting the required documents.

Convenient Branch Support

You can apply for a Sambhav Home Loan by visiting your nearest Bajaj Housing Finance branch. With an extensive branch network, applicants can access in-person assistance throughout the application process.

Eligibility Criteria for Sambhav Home Loan for Small Business Owners

If you are a self-employed business owner looking to apply for a Sambhav Home Loan, you need to be an Indian citizen residing in India. You should fall within the age range of 23 to 70 years**.

**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 to Apply for Sambhav Home Loan for Small Business Owners

Local vendors or shop owners who do not have income proof or ITR records can apply for a Sambhav Home Loan by submitting the following documents***:

Document Category	Documents Required
Mandatory Documents	PAN Card or Form 97 (Applicants who do not have a PAN Card can submit Form 97.)
KYC Documents	Recent passport-sized photograph, Voter ID Card, proof of possession of Aadhaar, and a valid Driving Licence
Property Documents	Title deed, allotment letter, and property tax receipts
Additional Documents for self-employed applicants	Business vintage proof

***Additional documents may be requested at the time of loan processing.

How to Apply for Sambhav Home Loan

Eligible small business owners can apply for a Sambhav Home Loan online by following these simple steps:

Visit the Home Loan application form.
Enter your basic details, such as your name, mobile number, and employment type.
Select your preferred loan type and provide your monthly income.
Enter your residential PIN code and the required loan amount.
Generate and verify the OTP sent to your registered mobile number.
Complete the remaining personal and financial details in the application form.
Review the information provided and click 'Submit' to complete your application.

Once your application is submitted successfully, a representative from Bajaj Housing Finance will contact you within 24 hours* to guide you through the next steps of the application process.

Alternatively, you can apply offline by visiting your nearest Bajaj Housing Finance branch.

*Terms and conditions apply

Sambhav Home Loans for Small Business Owners: FAQs

Yes, small business owners who do not have income proof may apply by submitting the following documents:

PAN Card or Form 97 (if a PAN Card is not available)
KYC documents, such as a recent passport-sized photograph, Voter ID Card, proof of possession of Aadhaar, and a valid Driving Licence
Property documents, including the title deed, allotment letter, and property tax receipts
Business vintage proof

Yes, applicants with irregular or unavailable ITR records can be eligible to apply for Sambhav Home Loan.

You can repay Sambhav Home Loan over a tenure of up to 25 years.

You can apply online through the Bajaj Housing Finance website by completing the application form or visit your nearest Bajaj Housing Finance branch for in-person assistance.