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Home Loans

Loans

Flexible Home Loans to Support Your Homeownership Journey

Get the right home loan with easy EMIs, competitive rates, and expert guidance for buying or refinancing your home.

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Why Choose Us

Home Loan

A Home Loan (also known as a Housing Loan) is a long-term mortgage solution that helps individuals
buy, build, or renovate a residential property such as a flat, villa, row house, independent house,
or bungalow. Offered by leading banks and NBFCs, home loans provide affordable financing and are
secured against the property being purchased or constructed.

Easy Home Loan Processing

Secure & Transparent Process

Low & Competitive Interest Rates

Long & Flexible Repayment Tenure

Flexible Tenure Options

Key Benefits of Home Loan
  • Higher Loan to Value (LTV) of up to 90% of the property’s market value, reducing
    your upfront investment.
  • Flexible repayment tenure of up to 30 years (360 months), allowing lower and
    manageable EMIs.
  • Attractive home loan interest rates starting from 8.50%, helping you save on
    total interest and enjoy affordable monthly EMIs (approx. ₹769 per lakh).
  • Higher home loan eligibility through optimal FOIR (Fixed Obligation to Income Ratio) and
    income-clubbing options for salaried and self-employed applicants.
  • Multiple end-use options including home purchase, construction, extension, renovation, furnishing, and fixtures.
  • Easy home loan balance transfer facility to switch to lower interest rates, along with
    top-up loan options on existing home loans.
  • Special home loan schemes for NRIs and PIOs to purchase residential property in India.
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Home Loan Eligibility

Age

  • Applicants must be at least 21 years old at the time of loan commencement and not more than
    65 years at loan maturity.
  • Salaried Individuals: 21 years to 58 years
  • Self-Employed Individuals: 25 years to 65 years

Income

  • Salaried Individuals: Minimum monthly income of ₹10,000
  • Self-Employed Individuals: Minimum annual income of ₹2,00,000

Employment

  • Salaried Individuals: Minimum 2–3 years of work experience in an MNC,
    private company, public limited company, or government organization.
  • Self-Employed Individuals: Minimum 3 years of experience in the current business or profession.

Credit Score

  • A credit score of 750 or above is generally considered ideal for faster approval and better
    home loan interest rates.

Documentation For Home Loan

  • Form 16
  • Identity Proof
  • Last 3 Months Salary Slips
  • Last 6 Months Bank Statement
  • Employment Proof
  • PAN Card
  • Trade License / Partnership Deed
  • MOA / Business Registration
  • Audited Financial Statements
  • Last 6 Months Bank Statement
  • Business Address Proof
  • Valid Passport & Visa
  • Overseas Address Proof
  • Employment Contract
  • NRE / NRO Bank Statements
  • Power of Attorney
  • Sale Deed / Agreement
  • No Objection Certificate (NOC)
  • Possession Certificate
  • Land Tax Receipt
  • Occupancy Certificate
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Our Other Services

Loan Against Property (LAP)

Loan Against Property (LAP)

Balance Transfer

Balance Transfer

Mortgage Loans

Mortgage Loans

Personal Loans

Personal Loans

Business Loans

Business Loans

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