SBI Earnest Money Deposit (EMD)

Take the first step towards owning your dream home...

EMD scheme has been designed keeping in mind the financing needs of applicants who are looking for earnest money for booking of residential plots/built-up houses being sold by Government Housing agencies like Urban Development Authorities like PUDA, HUDA and Housing Boards.

  • Features
  • Eligibility
  • Interest Rates & Fees
  • Documents Required
  • Short term loans of up to 100% of application money
  • Low Interest Rates
  • Low Processing Fee
  • No Hidden Charges
  • No Pre Payment Penalty
  • No minimum income criterion
  • Repayment tenure of not more than 12 months
  • Resident Type: Resident Indian
  • Minimum Age: 21 years
  • Loan Tenure: In cases of successful allotment lump sum repayment is to be made.
  • Loan Amount: Rs.15.00 lakh for CSP/DSP account holders and Rs.10.00 lakh for others


  • Processing Fee*
    1. 0.50% of the loan amount
    2. Minimum: Rs. 1,000/-

*Plus applicable taxes

Click here for old Card Rates

List of papers/ documents applicable to all applicants:

  • Proof of Identity (Any one): PAN/ Passport/ Driver's License/ Voter ID card
  • Proof of Residence/ Address (Any one): Recent copy of Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill or copy of Passport/ Driving License/ Aadhar Card
  • Self-attested Aadhar card and PAN card copy is mandatory.

Income Proof for Salaried Applicant/ Co-applicant/ Guarantor:

  • Salary Slip or Salary Certificate of last 3 months
  • Copy of Form 16 for last 2 years or copy of IT Returns for last 2 financial years, acknowledged by IT Dept.

Income Proof for Non-Salaried Co-applicant/ Guarantor:

  • IT returns for last 3 years
  • Balance Sheet & Profit & loss A/c for last 3 years
  • Business License Details(or equivalent)
  • TDS Certificate (Form 16A, if applicable)
  • Certificate of qualification (for C.A./ Doctor and other professionals)

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