Home Loan
A Home Loan helps individuals purchase, construct, renovate, or extend a residential property. With affordable EMIs, competitive interest rates, and long repayment tenures, home loans make owning your dream home more accessible and financially manageable.
Apply for Home Loan
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Home Loan Features & Benefits
High Loan Amount
Access significantly higher loan amounts based on your property value and income eligibility.
Attractive Interest Rates
Benefit from competitive home loan rates starting from 7.40% p.a. through our lender network.
Long Repayment Tenure
Spread repayments over up to 30 years for comfortable, budget-friendly monthly EMIs.
Affordable Monthly Payments
Structured EMI options designed to suit your monthly income and financial lifestyle.
Tax Benefits
Claim deductions on principal (Sec 80C) and interest (Sec 24B) payments every year.
Balance Transfer Facility
Transfer your existing home loan to better lenders for improved rates and terms.
Quick Processing
Streamlined application with dedicated processing for faster approvals and disbursals.
New & Resale Properties
Finance both new properties from developers and resale residential properties.
High Loan Amount
Access significantly higher loan amounts based on your property value and income eligibility.
Attractive Interest Rates
Benefit from competitive home loan rates starting from 7.40% p.a. through our lender network.
Long Repayment Tenure
Spread repayments over up to 30 years for comfortable, budget-friendly monthly EMIs.
Affordable Monthly Payments
Structured EMI options designed to suit your monthly income and financial lifestyle.
Tax Benefits
Claim deductions on principal (Sec 80C) and interest (Sec 24B) payments every year.
Balance Transfer Facility
Transfer your existing home loan to better lenders for improved rates and terms.
Quick Processing
Streamlined application with dedicated processing for faster approvals and disbursals.
New & Resale Properties
Finance both new properties from developers and resale residential properties.
Eligibility Criteria
- Age: Applicant should be between 21 and 65 years.
- Employment Status: Salaried or Self-Employed Applicant with stable income.
- Income Stability: Stable and verifiable income source to support loan repayment.
- Credit Profile: Good credit score and clean repayment history preferred.
- Property Criteria: Property must meet lender technical and legal guidelines.
- Nationality: Applicant must be an Indian Resident.
Note: Eligibility criteria may vary based on lender policies and applicant profile.
Documents Required
- Applicant & Co-applicant KYC — PAN Card, Aadhaar Card, Photograph
- Company / Firm KYC — GST Registration Certificate, Udyam Aadhaar, PAN Card, MOA, AOA, COI, List of Directors & Shareholders
- GST Returns 3B — Latest 12 Months
- 26AS — Last 3 Years (Applicant & Co-applicant)
- Complete Financials — Latest 3 Years CA Certified (ITR, Computation, Balance Sheet, P&L, Independent Report, Directors Report, Tax Audit Report with all schedules)
- All Applicant & Co-applicant Individual ITR with Computation — Latest 3 Years
- All Current Account Statements — Latest 1 Year (PDF format)
- All Applicant & Co-applicant Savings Account Statements — Latest 1 Year (PDF format)
- If running any loan, provide Repayment Schedule / SOA
- Property Papers — Complete Chain Documents, Sanctioned Map & Property Photos
Simple Process
How to Apply for a Home Loan?
Choose Property
Identify the residential property you wish to purchase, construct, or renovate.
Submit Application
Share your personal, income, and property details with our loan experts.
Eligibility Assessment
Our team evaluates your profile and matches you with suitable home loan lenders.
Property Verification
The lender arranges a technical and legal evaluation of your property.
Loan Disbursement
Approved loan amount is transferred to the seller or builder directly.
Frequently asked questions
A Home Loan helps individuals purchase, construct, renovate, or extend a residential property. With affordable EMIs, competitive interest rates, and long repayment tenures, home loans make owning your dream home more accessible and financially manageable.
Home loans can be availed for up to 30 years, making the EMIs affordable and manageable within your monthly income.
While co-applicants are recommended for higher eligibility, single applicant home loans are available based on income, credit profile, and property value.
Key documents include KYC (PAN, Aadhaar), income proof (salary slips or ITR), bank statements, and complete property papers with chain documents and sanctioned map.
After document submission and property evaluation, approvals typically take 7–15 working days depending on the lender and property type.