Sarva Haryana Gramin Bank Home Loan Schemes
The bank offers multiple housing loan options to suit different needs:
1. Home Purchase Loan
Ideal for buying a ready or under-construction residential house or flat.
2. Home Construction Loan
For customers planning to construct a house on a self-owned residential plot.
3. Home Renovation / Extension Loan
For repairs, renovation, or expansion of an existing residential property.
4. Home Loan for Salaried Individuals
Specially structured for government employees, private sector staff, and PSU employees with stable income.
5. Home Loan for Self-Employed & Farmers
Designed for business owners, professionals, and agriculturists with flexible income assessment.
6. Women Borrower Home Loan
Concessional benefits may be available for women applicants or co-owners.
Tax Benefits on Sarva Haryana Gramin Bank Home Loan
Borrowers can claim income tax benefits as per prevailing laws:
Section 80C: Deduction up to ₹1.5 lakh on principal repayment
Section 24(b): Deduction up to ₹2 lakh on home loan interest
Section 80EE / 80EEA (if applicable): Additional benefits for first-time home buyers
Tax benefits depend on individual eligibility and prevailing Income Tax Act provisions.