🏠Home Loan Features That Suit Every Customer’s Need
We offer a wide range of home loan products tailored to fit every borrower’s financial situation and housing goal. Whether you’re a salaried professional, self-employed individual, or a first-time homebuyer, our home loans are designed with your convenience and affordability in mind.
Key Benefits of Our Home Loans
✅ Low Interest Rates – Enjoy competitive rates that make your EMIs affordable.
✅ ✅ Higher Loan amount – Loan range starting from from 10 lacs up to 100 cr.
✅ Minimal Processing Fee – Pay less upfront with our low processing charges.
✅ No Hidden Charges – Transparent terms and conditions with no surprise fees.
✅ Zero Prepayment Penalty – Pay off your loan early without any extra cost.
✅ Daily Reducing Balance Interest – Interest is calculated on the daily reducing balance, saving you more.
Plot Purchase Loans – Buy Land to Build Your Dream Home
Looking to buy a plot and build your dream home? Our Plot Purchase Loans make it easy and affordable to purchase land for residential construction anywhere in India. With loan amounts of up to ₹5 Crores and flexible repayment terms, we help you take the first step toward building your ideal home.
✅ Why Choose Our Plot Purchase Loan?
- Loan Amount: Get funding up to ₹50 Crores based on eligibility.
- Tenure: Enjoy flexible repayment options of up to 10 years.
- Purpose: Specifically designed for buying plots for home construction.
- Construction Timeline: Home construction must begin and be completed within 3 years from the date of loan sanction or disbursal.
- Additional Home Loan: Eligible for a separate Home Construction Loan once you’re ready to build.
🌐 Pan-India Network | Quick Processing | Customized Loan Offers
- We offer plot loans across India through our wide branch network. Our team ensures fast approvals, transparent processes, and personalized loan structures tailored to your financial needs.
🏠 More Than Just Plot Loans
Along with plot purchase loans, we also offer:
- Home Construction Loans
- Flat Purchase Loans
- Loans for Home Renovation & Extensions
- Secured Loans Against Property for self-employed individuals
Whether you’re buying a plot or building a future, we’re here to support you every step of the way.
Applicant & Co-Applicant Guidelines – Plot Purchase Loan Eligibility
Your Plot Purchase Loans can be availed either individually or jointly, depending on your financial planning and property ownership structure.
👥 Who Can Apply?
- Individual Applicant: Any eligible individual can apply for a plot loan based on income, credit score, and property details.
- Joint Application (Co-Applicants):
Loans can be applied jointly with Co-Applicants.
The Co-Applicant may or may not be a Co-owner of the plot.
However, if a person is a Co-owner of the property, they must be included as a Co-Applicant.
Spouse
Only immediate family members are eligible to be Co-Applicants. This includes:
Parents
Children
✅ Why Add a Co-Applicant?
- Improve loan eligibility
- Increase approved loan amount
- Share repayment responsibility
- Applying jointly can also lead to better loan terms and easier approval, especially when combining incomes.
Home Construction Loan
Affordable & Tailored Loan Solutions Across India
We offer affordable, customized loan solutions to meet the unique financial needs of each client. Our services include loans for the purchase of flats and construction on plots, available across India through our extensive pan-India branch network.
We also provide loans for:
- Home construction
- Home renovation
- Home extensions
Additionally, we accept residential or commercial property as collateral for secured loans offered to self-employed individuals, catering to both business and personal financial needs.
Whether you’re looking to buy a new home, renovate your current one, or expand your living space, our personalized loan options are designed to help you build a space that truly fits your lifestyle.
Home Extension Loans – Affordable & Customized Solutions
Affordable & Tailored Loan Solutions Across India
Looking to add more space or upgrade your home? Our Home Extension Loans are designed to help you extend or renovate your existing house with ease and flexibility.
We offer affordable, personalized loan solutions tailored to meet your unique renovation and extension needs—helping you create a living space that reflects your lifestyle.
✅ What We Offer:
- Loans for Home Extensions & Renovations
Finance for extending your home—be it an extra room, floor, or a complete makeover. - Loans for Property Purchase & Construction
Get funding for flat purchases, plot constructions, and new builds across India through our extensive pan-India branch network. - Collateral-Based Secured Loans
Use your residential or commercial property as collateral to avail of secured loans for business or personal requirements, especially designed for self-employed individuals.
💡 Why Choose Us?
- Customized loan offerings
- Quick approval process
- Competitive interest rates
- Wide branch coverage across India
Build the space you need, the way you want — with our flexible Home Extension Loan options.
Home Loan Balance Transfer – Lower Your EMI, Save More
Looking to reduce your home loan interest burden? With our Home Loan Balance Transfer facility, you can transfer your existing home loan to us and enjoy lower EMIs, better interest rates, and customized repayment options.
We offer affordable and tailored loan solutions, designed to suit your financial needs and help you save more over the long term.
✅ Key Features:
- Home Loan Balance Transfer for Self-Occupied Properties Only
Transfer your existing home loan for self-occupied residential properties and enjoy enhanced loan benefits. - Pan-India Branch Network
Avail our services across India through our wide network of branches for easy and personalized assistance. - Comprehensive Loan Solutions
In addition to balance transfers, we also offer loans for:
💡 Why Transfer Your Home Loan to Us?
- Lower interest rates
- Reduced monthly EMIs
- Flexible repayment terms
- Quick processing with minimal documentation
Don’t let a high-interest home loan strain your finances. Transfer your home loan today and start saving!
Home Renovation Loans – Upgrade Your Home with Ease
Looking to renovate your home? We offer affordable and customized Home Renovation Loans to help you transform your living space just the way you want.
Whether it’s upgrading your kitchen, remodeling your bathroom, or giving your entire home a fresh look — our renovation loans are tailored to fit your personal needs and budget.
✅ Key Features:
- Personalized Loan Solutions
Flexible financing options to suit every type of renovation project — big or small. - Loans for Flat Purchase & Plot Construction
Get financing for buying flats or constructing plots across India, supported by our robust pan-India branch network. - Renovation, Construction & Extension Loans
In addition to renovation, we also offer loans for home construction, home extensions, and property upgrades. - Secured Loans Against Property
Use your house or commercial property as collateral to access secured loans — ideal for self-employed individuals seeking funds for personal or business needs.
💡 Why Choose Our Renovation Loans?
- Competitive interest rates
- Simple documentation & quick disbursal
- Flexible repayment options
- Nationwide branch presence for easy assistance
Give your home a fresh new look — apply for our Home Renovation Loan today!
Home Loan Eligibility Criteria
Our home loans are designed to be accessible and inclusive, catering to a wide range of borrowers across India. Below are the key eligibility parameters:
✅ Eligible Employment Types
Salaried Individuals – Working professionals employed with government, public or private sector companies.
Self-Employed Individuals – Business owners, professionals, and freelancers with a steady income.
✅ Resident Type
Only Resident Indians are eligible to apply.
✅ Age Criteria
Minimum Age: 18 years
Maximum Age at Loan Maturity: 70 years
✅ Loan Tenure
Flexible repayment tenure of up to 30 years.
✅ Loan Amount
Loan amount varies based on income, eligibility, and property value.
👉 [Click here to check your eligible loan amount] (Insert hyperlink to loan calculator or application page)
✅ Applicant & Co-Applicant Criteria
Maximum of 6 applicants, including the main applicant and co-applicants.
Co-applicants can be family members to enhance eligibility.
Explore Our Home Loan Interest Rates and Charges
To process your home loan smoothly, please ensure you provide the following documents. The list varies slightly based on your employment type but remains simple and straightforward.
📌 1. Identity Proof & Address Proof (Any One)
- Valid Passport
- Voter ID Card
- Aadhaar Card
- PAN Card
- Valid Driving License
📌 2. Address Proof (Any One)
- Valid Passport
- Voter ID Card
- Aadhaar Card
- PAN Card
- Valid Driving License
- Latest Electricity Bill
- Latest Utility Bill (Telephone – MTNL/BSNL/Other Govt. providers, Water Bill, Property Tax Receipt)
📌 3. Income Proof
For Salaried Individuals:
- Latest Salary Slips
- Last 6 months’ Bank Statements
- Form 16
- Salary Certificate (for cash salaried applicants)
- For Self-Employed Individuals:
- ITRs and/or Financial Statements including Balance sheets of last 3 years
- Informal Income Documents (as applicable)
- Bank Account Statement Requirements for Loan Application
To ensure a smooth loan approval process, applicants are required to submit the following account-related documents:
Last 6 Months Bank Statements:
All applicants must provide bank account statements for the past 6 months for each bank account they hold. These statements help lenders assess income stability, spending behavior, and repayment capacity.
Loan Account Statements from Other Lenders (if applicable):
If the applicant has any existing or previous loans from other banks or NBFCs, a loan account statement for the last 1 year must be submitted. This is essential to evaluate the applicant’s ongoing debt obligations and repayment history.
Providing accurate and up-to-date bank and loan statements increases your chances of quick loan approval with better terms.
PROPERTY DOCUMENTS REQUIRED
- Occupancy Certificate (required for ready-to-move-in properties)
- Share Certificate (Only for Maharashtra)
- Latest Maintenance Bill, Electricity Bill, and Property Tax Receipt
- Approved Plan Copy (Xerox or Blueprint)
- Registered Development Agreement of the builder
- Conveyance Deed (for new properties)
- Payment Receipts or Bank Account Statement reflecting all payments made to the builder/seller
📌 4. Other Required Documents
- Duly filled Home Loan Application Form with passport-size photograph(s)
- Processing Fee Cheque
- Proof of Business Existence (for self-employed)
📝 Home Loan Documents Required
Understanding your home loan costs is crucial to planning your finances effectively. We offer competitive interest rates tailored to your credit profile and employment type, ensuring transparency and affordability.
✅ Home Loan Interest Rate for Pre-Approved Customers
If you’re a pre-approved customer, you enjoy exclusive, lower home loan interest rates. These preferential rates are specially designed to reward your financial discipline and stability.
Current Pre-Approved Rate:
📉 8.50% p.a.* (Terms & conditions apply)
Special Home Loan Interest Rates Based on CIBIL Score
We also offer limited-period or promotional interest rates to eligible customers. These special rates are structured to provide additional savings to those with strong creditworthiness.
🔍 Home Loan Interest Rate Table (Based on CIBIL Score)
CIBIL Score Range Salaried Individuals Self-Employed Individuals
Above 800 8.50% 8.50%
750 – 800 8.65% 8.65%
💡 Interest rates are subject to change based on market conditions and customer profile. Final rates will be confirmed during the loan approval process.
What is a Floating Rate of Interest on a Home Loan?
A Floating Rate of Interest means the interest rate on your home loan is not fixed and can change periodically. The rate fluctuates based on changes in a benchmark rate, such as the Repo Rate set by the Reserve Bank of India (RBI).
As the RBI changes the repo rate, your home loan interest rate may increase or decrease, which directly affects your monthly EMIs (Equated Monthly Installments). While floating rates can lead to lower EMIs when rates fall, they also carry the risk of higher EMIs if rates rise.
What is a Fixed Rate of Interest on a Home Loan?
A Fixed Rate of Interest on a home loan means the interest rate remains constant throughout the loan tenure. Regardless of market fluctuations or changes in RBI policies, the borrower continues to pay the same interest rate and EMI from the beginning until the end of the loan.
This provides:
✅ Stability in monthly payments
✅ Predictability for financial planning
✅ Protection from rising interest rates
It’s an ideal option for borrowers who prefer consistency and want to avoid surprises in their repayment schedule.