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What is Small Ticket Size (STS) Loan?

Do you need funds to construct or purchase a house or expand your business? Are you stuck in a situation, where you need a small loan to fund any personal requirement like marriage in family or children’s higher education?

Aavas brings you ‘STS (Small Ticket Size) Loan’ which is your one-stop solution to fulfil small financial needs upto Rs. 7.5 Lacs.

STS Loans are extended for small amounts with short tenure which are secured against self-occupied residential or commercial property and are categorised as per the end use of the loan availed:

Nonetheless, purchasing a home needs a lot of research and planning like your preferred location and the selection of the best financial institutions that not only give you a best-interest home loan but also provides customised home loans as per your requirement. Aavas Financiers Ltd. is one of those best home loan financial institutions that provide an affordable housing loan. Besides that, it also offers a number of other benefits like speedy approval, easy process, flexible long tenure, competitive interest rates, easy EMI along with minimum paperwork, and fast online services.

STS Home Loans can be availed for House Construction, House Purchase, Repair & Renovation, Home Extension, and for the balance transfer of existing Home Loan and can have a tenure up to 12 years.

STS Secured Loans can be availed for business expansion, working capital, capital expenditure, for education/marriage or any other personal use such as repaying market debt. This can also be availed as balance transfer of existing loans taken for business purposes and have a tenure up to 7 years.

The primary objective of offering STS Loans is to propel the social and economic development of society.

Features of STS Loans

  • Easy Processing
  • Minimum Paper Formalities
  • Attractive Interest rate
  • Faster Loan Approval
  • Transparency
  • Easily available in rural markets

Specifications of STS Loans

  • Short Tenure - Up to 12 years for STS Home Loan & 7 years for STS Secured Loan.
  • Loan Amount - minimum 1 Lakh to maximum 7.5 lakhs
  • Mortgage on Self-Occupied Residential or Commercial Property can be considered for Loan Application

Documents Required for STS Loans

KYC Documents (Identity and Address Proof)

Your PAN Card is mandatory, and any one of these:

  • PAN Card
  • Any of the Officially Valid Documents for KYC (Passport / Voter ID Card / Aadhar Card / Driving License)

For the complete list of acceptable KYC documents, please contact the nearest Aavas branch.

3 Years Residence stability proof
  • Electricity Bill and Water Bill
Proof of Business or Income
  • 3 months Salary Slips/6 months Bank Statements/Form-16
  • Salary certificate (cash salaried cases)
  • 6 months Bank Statement/2 years ITR
  • Informal Income Documents where applicable
  • Documents related to business ownership
Property Documents
  • Self-Occupied Residential Property or commercial property will be kept as a collateral
  • Title Deeds of the Property
  • Proof of No Encumbrances on the property
Other documents
  • Application form with photograph duly signed
  • Processing fee cheque
  • Udhyam Registration for proof of business (where applicable)
Need Assistance?

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Loan Amount, i.e=1000000

Ratings and Reviews

Yogendra Singh Gour

Best home loan company in India, Disbursement process is very fast ...
Thanks to Aavas

Vishal Kunjir

Sincere appreciation to Aavas. It is with great gratitude that I write this letter. Though it is a fact that the branch is giving us very good service consistently. Because of the Aavas, I was able to satisfy my staff and my labor, so I appreciate the endeavor of suppressing his own tensions and pains and helping me in this situation of lockdown. I hope that as the lockdown situation eased out, he can avail a few days’ leaves and be there with his newborn baby and can spend some time with his family. Such people are assets to your institution and hope that their tribe increases. Once again, I am thankful for the staff of Aavas.

Mukesh Kardi

आवास के सभी अधिकारियो को मेरी और मेरे परिवार की ओर से धन्यवाद्, जिन्होंने जल्दी घर खरीदवाने मे हमारी मदद की | धन्यवाद् आवास फाइनेंसर्स लिमिटेड