STATE BANK OF INDIA

Gram Niwas & Sahyog Niwas

HOME LOANS IN RURAL AREAS
Scheme covers all Rural and Semi-urban centres having population upto 50,000 as per 2001 census.
Home Loans under Gram Niwas Scheme are sanctioned for purchase/ construction/repair and renovation of house and purchase of plot for construction of a house/shed etc.
Loan Amount
Minimum Loan Amount: Nil
Maximum Loan Amount: Rs. 5 lacs
Repayment Period
Maximum repayment period :15 years

SAHYOG NIWAS
HOME LOANS TO SELF HELP GROUPS IN RURAL AREAS
The Sahyog Niwas Scheme provides Home Loan to Self help groups, having good payment record of 2 years, for on lending to their members for:
Purchase or construction of a house exclusively or including the housing needs of activities carried by them (Dairy shed, tailoring shed/shop, grocery stores etc.)
Renovation or repair of an existing house / shed
Purchase of a plot for the construction of house
Extension of existing house / work space to existing house / shed.
Loan Amount
Home Loan amount under Sahyog Niwas Scheme is restricted to 10 times of the saving corpus of SHG subject to a maximum amount of Rs. 50,000/ per member.

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