Product Overview
Home Loan
Step into your dream home with interest rates starting from 8.40%. Flexible tenures up to 30 years, low processing fees, and co-applicant benefits.
Interest Rate8.40% - 11.50% p.a.
Max AmountUp to 90% of Property Value
Max Tenure5 to 30 Years
Product Benefits
Lowest interest rates compared to other retail credit products.
Long tenure limits (up to 30 years) to keep EMIs affordable.
Balance transfer options to switch from high-interest lenders.
Substantial tax deductions under Section 24 and Section 80C.
Eligibility Guidelines
Age limit: 21 Years to 65 Years at loan maturity.
Income: Net monthly income of ₹15,000 onwards (Salaried) or ITR of ₹4 Lakhs (Self Employed).
Credit Score: 750 or above guarantees the cheapest interest rate slabs.
Property: Clear legal titles and approved builders preferred.
Documents Required
Required Document Checklist
Aadhaar and PAN Card.
Last 3 Months Salary Slips (Salaried) or 2 Years ITR (Self Employed).
Last 6 Months Bank Statement.
Property documents: Draft sale agreement, approved builder layout plans, chain documents.
How to Apply & Processing Flow
1
Select property details, income metrics, and tenure.2
We check rates across 25+ lenders and builder approval status.3
KYC, income papers, and legal property copies are collected.4
Bank legal/technical team inspects property and issues disbursement.Product FAQ
Are there foreclosure charges on Home Loans?Per RBI guidelines, floating interest rate home loans have zero foreclosure or prepayment penalties.
Can I add a co-applicant to increase my loan limit?Yes, adding working family members as co-applicants combines incomes and boosts eligibility.
Not sure about borrowing limit?Use Eligibility Checker