Beti Bachao Beti Padhao

Maha Super Green Housing Loan Scheme- Green Building

Green Building is the practice of increasing the efficiency of buildings and their use of energy, water and materials and reducing building impacts on human health and environment, through better site location, design, construction, operation, maintenance and removal - the complete building life cycle. An effective Green Building can lead to:

  1. Reduced operating costs by increasing productivity and using less energy and water.
  2. Improved public and occupant health due to improved indoor air quality.
  3. Reduced environmental impacts.

Key Features

  • No processing fees Under scheme
  • Concession of 0.10 % in the applicable ROI of Maha Super Housing Loan scheme subject to minimum floor Rate.
  • Quick Sanction to approved Green Projects

S. NoParticularsScheme guidelines
1Nature of facilityTerm Loan
2Name of the schemeMaha Super Green Housing Loan Scheme
3Eligible Projects Housing Project Should be certified / Rated from following approved Rating agencies.

1. Leadership in Energy and Environmental Design (LEED) rating system from LEED India.

LEED® Certification Levels

  • LEED® Certified
  • Silver Level
  • Gold Level
  • Platinum Level

2. India Green Building Council (IGBC).

Certification Levels

  • Certified- Best practices
  • Silver- Outstanding Performance
  • Gold - National Excellence
  • Platinum-  Global Leadership.


Rating ThresholdGRIHA Rating
1 Star
2 Star
3 Star
4 Star
5 Star

Housing projects of other than above rating agencies can be considered, subject to agencies should be approved by Municipal corporation of the district authorized for granting certification of Green Projects.

4Scope of the Scheme
  • Maha Super Green Housing Loan Scheme covers all the Indian Citizens, Non Resident Indians (NRIs) and persons of Indian Origin (PIO) including staff members outside the staff loan scheme, ex- staff, & their family members subject to age & other eligibility criteria.
  • For Purchase of residential House (Flat, Villa, Row House etc) under construction /ready built directly from the builders/ developers/society/other agencies/Development authority in certified Green Housing Projects.
  • Takeover of existing Housing Loan accounts of the applicants under standard category availed from other Banks / Housing Financial Institutions of certified Green Housing Projects.
  • Individual salaried employees (with a permanent job for the period of minimum 1 year in current organization of State /Central Government / Public / Private Sector Companies of repute), Self-Employed Professionals, Businessman. Farmers having  land holding  of irrigated land and sufficient disposable income.
7Margin & LTV norms Loan to value (LTV) ratio: -
Category of Loan (Individual Home Loan amount)LTV Ratio
Above Rs.30.00 Lakh and upto Ts.75.00 Lakhs90%
Above Rs.30.00 Lakhs*80%
Above Rs.75.00 Lakhs*75%*
8RepaymentMaximum Repayment period of 30 years or on borrower reaching the age of 75 years whichever is earlier
9Deduction NormsFor Salaried individuals.

Up to 80% based on latest Gross monthly income

For Non-Salaried Individuals

Up to 80% based on average annual income

10Rate of Interest Concession of 0.10% in applicable ROI in regular Maha Super Housing Loan scheme.
11Processing FeeNil