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Bank of Maharashtra Maha Super Flexi Housing Loan

A home loan of ₹50 lakh or more linked to a dedicated zero-interest savings account, where end-of-day surplus reduces the loan balance used for interest calculation and remains withdrawable.

Interest rate0.25 percentage point above the applicable Maha Super Housing floating rate; current effective range 7.25%-9.90% p.a. across published salaried/non-salaried CIBIL bands.Loan amountMinimum ₹50 lakh; no maximum rupee limit published. Final amount is the lowest of repayment-capacity assessment, LTV limit and amount requested.TenureUp to 30 years or until the borrower reaches age 75, whichever is earlier.
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Quick eligibility check

Bank of Maharashtra Maha Super Flexi Housing Loan

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: No universal income floor?

Published source: Minimum income

2Are you this type of customer: eligible salaried, professional, business and agricultural borrowers are assessed under permissible-deduction rules?

Published source: Minimum income

3Are you this type of customer: Individual salaried, professional, business and agricultural applicants may use the scheme for eligible purchase, takeover or extension?

4Does your age meet this requirement: The financed property may generally be no more than 30 years old and must have residual life at least five years beyond the loan tenure?

5Document checkDo you have this required document or proof: Application and KYC?

Published source: Minimum income

6Document checkDo you have this required document or proof: Income and repayment-capacity evidence?

Published source: Minimum income

7Document checkDo you have this required document or proof: Property title, approved plan, valuation and mortgage documents?

Published source: Minimum income

8Document checkDo you have this required document or proof: Existing loan statement and document receipt for takeover?

Published source: Minimum income
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byBank of Maharashtra

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeTerm home loan linked to a dedicated savings account; end-of-day surplus offsets the balance used to calculate interest and remains withdrawable.View source
The complete table explains daily netting of the home-loan outstanding and linked savings balance.
Source
Maha Super Flexi Housing Loan Scheme
Page / section
Nature of facility; Flexi Credit Arrangement
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rate0.25 percentage point above the applicable Maha Super Housing floating rate; current effective range 7.25%-9.90% p.a. across published salaried/non-salaried CIBIL bands.View source
The current schedule says Flexi is 0.25% above the applicable housing ; the base housing table spans 7.00%-9.65%.
Source
Retail Interest Rates
Page / section
Maha Super Flexi Housing Loan Scheme and housing table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkRLLR 8.05% plus the applicable Maha Super Housing CIBIL spread and a further 0.25% Flexi premium.View source
The schedule identifies 8.05%, the base housing spreads and the additional Flexi premium.
Source
Retail Interest Rates
Page / section
header; housing and Flexi rows
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNot published; the product and linked rate/fee schedules do not provide a fee-inclusive APR calculation.View source
Interest and charges are published separately without an .
Source
Maha Super Flexi Housing Loan - complete review
Page / section
Complete product, rate and service-charge review
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo universal income floor; eligible salaried, professional, business and agricultural borrowers are assessed under permissible-deduction rules.View source
The table lists eligible occupations and an 80% income-based deduction ceiling but no common minimum.
Source
Maha Super Flexi Housing Loan Scheme
Page / section
Eligibility; Deduction
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Loan amountMinimum ₹50 lakh; no maximum rupee limit published. Final amount is the lowest of repayment-capacity assessment, LTV limit and amount requested.View source
The scheme table states minimum ₹50 lakh and no maximum limit.
Source
Maha Super Flexi Housing Loan Scheme
Page / section
Eligible Quantum; Loan Amount
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureUp to 30 years or until the borrower reaches age 75, whichever is earlier.View source
The official table publishes both limits.
Source
Maha Super Flexi Housing Loan Scheme
Page / section
Repayment period
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing and account-handling chargesProcessing 0.25% of loan amount, maximum ₹25,000. Account handling 0.10%, minimum ₹500 and maximum ₹11,000, excluding GST.View source
The current gives the general non-green housing processing and account-handling charges; the Flexi page also states 0.25%, max ₹25,000.
Source
Service Charges - Liabilities Portfolio
Page / section
pages 72 and 74; housing rows
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment chargeNil for floating-rate non-business retail loans to individuals.View source
The current table states no prepayment charge for all floating-rate non-business loans to individuals.
Source
Service Charges - Liabilities Portfolio
Page / section
page 12: Closure of Loan / Pre-Payment
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹50 lakh minimum with no published maximum rupee limit
  • Up to 30 years or age 75
  • Savings-account surplus is netted daily against the home-loan outstanding
  • Surplus remains withdrawable
  • Cheque book, internet and mobile banking on the linked account

Eligibility

  • Individual salaried, professional, business and agricultural applicants may use the scheme for eligible purchase, takeover or extension. The financed property may generally be no more than 30 years old and must have residual life at least five years beyond the loan tenure.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Application and
  • Income and repayment-capacity evidence
  • Property title, approved plan, valuation and mortgage documents
  • Existing loan statement and document receipt for takeover

Related official documents

Maha Super Flexi Housing Loan Schemeofficial-product-page · current · accessed 31 Aug 2026
↗
Retail Interest Rates - complete remaining-loan reviewofficial-rate-table · current · accessed 31 Aug 2026
↗
Bank of Maharashtra Service Charges - Liabilities Portfolioofficial-pdf · current · accessed 31 Aug 2026
↗

Plan before applying

Try the numbers

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

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Facility · Published termTerm loan linked with dedicated savings account

This value is copied from Maha Super Flexi Housing Loan - complete published scheme table. Check the table notes before relying on it.

Source: Maha Super Flexi Housing Loan Scheme · Complete scheme table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 11 rows · 2 columnsMaha Super Flexi Housing Loan - complete published scheme tableView tableHide table

Scroll sideways to view every column

Maha Super Flexi Housing Loan - complete published scheme table
ParameterPublished term
FacilityTerm loan linked with dedicated savings account
PurposeReady/new/existing home purchase; eligible takeover; extension
EligibilityIndividual salaried, self-employed professional, businessperson or agriculturist
AmountMinimum ₹50 lakh; no maximum; lowest of repayment assessment, and request
80% up to ₹75 lakh; 75% above ₹75 lakh
RepaymentUp to 30 years or age 75
RateApplicable Maha Super Housing +0.25%
DeductionsUp to 80% of gross monthly/average annual income
Flexi mechanismLinked savings rate 0%; surplus can be deposited/withdrawn; daily netting for loan interest
SecurityEquitable/registered mortgage
Processing0.25% of loan, maximum ₹25,000
Maha Super Flexi Housing Loan Scheme · Complete scheme table · accessed 31 Aug 2026Open official source ↗
Table 2 · 6 rows · 4 columnsBank of Maharashtra current retail-credit charge rows used in this batchView tableHide table

Scroll sideways to view every column

Bank of Maharashtra current retail-credit charge rows used in this batch
ProductProcessing feeAccount handlingOther / prepayment
Housing/Flexi/ (non-green)0.25%, max ₹25,0000.10%, ₹500-₹11,000Nil prepayment for floating non-business individual loan
Housing Top-Up0.50%, ₹500-₹50,0000.10%, ₹500-₹11,000Product page: no prepayment penalty
Loan Against Property1%, ₹1,000-₹50,0000.10%, ₹500-₹11,000Nil prepayment for floating non-business individual loan
Maha Adhaar0.50%, ₹500-₹5,000; staff pensioner nil0.20%, ₹1,500-₹10,500Nil prepayment for floating non-business individual loan
-VidyalaxmiNo processing/upfront charge0.20%, min ₹500₹200 enrolment in current ; nil prepayment
Maha Super Green CarNilNilNil prepayment/pre-closure/part-payment
Service Charges - Liabilities Portfolio · pages 12 and 72-76 · accessed 31 Aug 2026Open official source ↗

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