Key Features
- Competitive interest rates starting at 8.50% p.a.
- Flexible repayment tenure up to 20 years
- Quick loan processing and approval
- Special rates for women applicants
- Loan amount up to ₹50 Lakhs
- Minimal documentation required
- No hidden charges or prepayment penalties
- Home loan balance transfer facility available
Eligibility Criteria
Age
Minimum 21 years and maximum 65 years at loan maturity
Income
Minimum monthly income of ₹25,000 for salaried individuals
Minimum annual income of ₹3 Lakhs for self-employed
Employment
Minimum 2 years of work experience (1 year with current employer for salaried)
Minimum 3 years of business continuity for self-employed
Credit Score
CIBIL score of 650 or above preferred
Documents Required
Identity & Address Proof
- PAN Card (mandatory)
- Aadhaar Card
- Passport
- Voter ID
- Driving License
- Utility bills (electricity/gas)
Income Proof
- Last 6 months salary slips
- Form 16 for last 2 years
- Bank statements (6 months)
- ITR for last 2-3 years
- Business financial statements (if self-employed)
- CA certified financials
Property Documents
- Sale deed or agreement to sale
- Approved building plan
- NOC from builder/society
- Property tax receipts
- Title deed and chain documents
- Encumbrance certificate
Interest Rates & Charges
| Particulars | Details |
|---|---|
| Interest Rate | 8.50% – 10.50% p.a. |
| Processing Fee | 0.50% of loan amount + GST |
| Prepayment Charges | Nil for floating rate loans |
| Part Payment Charges | No charges |
| Loan Tenure | Up to 20 years (240 months) |
Why Choose Our Home Loan?
Competitive interest rates
Quick approval in 48 hours
Transparent process
Minimal documentation