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Home Loan

Home Loan Details

Comprehensive information about our home loan products, eligibility criteria, and application process.

Product Overview

Home Loan Product Overview

Everything you need to know about our home loan products and features

Home Purchase Loan

Finance your dream home with competitive rates and flexible repayment options.

  • Up to ₹5 Crores
  • 8.5% - 12% p.a.
  • Up to 30 years tenure
  • 90% LTV ratio

Home Renovation Loan

Transform your existing home with our renovation and improvement financing.

  • Up to ₹50 Lakhs
  • 9.2% - 14% p.a.
  • Up to 15 years tenure
  • Quick approval

First Home Loan

Special benefits for first-time homebuyers with attractive rates and terms.

  • Up to ₹75 Lakhs
  • 8% - 11% p.a.
  • Up to 30 years tenure
  • Subsidy assistance
Eligibility

Eligibility Criteria

Check if you meet our home loan eligibility requirements

Age Requirements

Minimum Age
21 years
Maximum Age
65 years
Maximum Age at Maturity
70 years

Income Requirements

Minimum Monthly Income
₹25,000
Employment Type
Salaried/Self-employed
Work Experience
2+ years

Property Requirements

Property Type
Residential/Commercial
Property Age
Up to 30 years
Location
Tier 1, 2, 3 cities

Check Your Eligibility

Interest Rates

Interest Rates & Charges

Transparent pricing with competitive interest rates and minimal charges

Loan Amount
Interest Rate (p.a.)
Processing Fee
Prepayment Charges
Up to ₹30 Lakhs
8.5% - 10.5%
0.5% of loan amount
2% (after 1 year)
₹30 Lakhs - ₹75 Lakhs
9.0% - 11.0%
0.5% of loan amount
2% (after 1 year)
Above ₹75 Lakhs
9.5% - 12.0%
0.5% of loan amount
2% (after 1 year)

Competitive Rates

Starting from 8.5% p.a. with attractive rates for different loan amounts

No Hidden Charges

Transparent fee structure with no surprise costs during the loan process

Special Benefits

Additional benefits for women borrowers and first-time homebuyers

Documentation

Required Documents

Complete list of documents required for home loan application

Identity & Address Proof

  • PAN Card (Mandatory)
  • Aadhaar Card
  • Voter ID Card
  • Driving License
  • Passport
  • Utility Bills (Electricity/Water/Gas)

Income Documents

  • Salary Slips (Last 3 months)
  • Form 16 (Last 2 years)
  • Bank Statements (Last 6 months)
  • ITR (Last 2 years)
  • Employment Certificate
  • Appointment Letter

Property Documents

  • Sale Deed/Agreement
  • Property Tax Receipts
  • NOC from Society/Builder
  • Building Plan Approval
  • Encumbrance Certificate
  • Property Valuation Report

Additional Documents

  • Passport Size Photographs
  • Loan Application Form
  • Cheque for Processing Fee
  • Down Payment Receipt
  • Co-applicant Documents (if any)
  • Guarantor Documents (if required)
Application Process

How to Apply

Simple and streamlined application process for your home loan

1

Application Submission

Submit your loan application online or visit our branch with required documents.

2

Document Verification

Our team will verify all submitted documents and conduct initial assessment.

3

Property Valuation

Professional valuation of the property to determine loan amount eligibility.

4

Credit Assessment

Comprehensive credit evaluation and risk assessment of the applicant.

5

Loan Approval

Final approval and sanction letter with loan terms and conditions.

6

Documentation & Disbursement

Legal documentation completion and loan amount disbursement.

Start Application Process