+91 9051554890

+91 8820102320

+91 9051554890

+91 8820102320

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Overview :


Home loans are offered to following individuals basically to own a residential property in India.

  • Salaried
  • Professionals
  • Self-employed
  • NRI's
  • Purchase of a plot of land and Construction of a house thereon
  • Construction of a house on plot of land already owned
  • Purchase of a new house / flat
  • Purchase of old house / flat. The residual age of the property as confirmed by our certified valuers should not be less than 30 years (Home Acquisition Plan)
  • Extend /Renovate/Repair of a house or flat already owned by self (Improvement/Extension Plan)
  • Take-over of existing Housing Loan
  • Loan takeover with additional refinance


Who Can Apply:-

You can apply individually or jointly for Home Loans. All proposed owners of the property will have to be co-applicants. However, all co-applicants need not be co-owners. Generally co-applicants are close family members.

Loan Term:-

The maximum period of repayment of a loan shall be up to 30 years for the Telescopic Repayment Option under the Adjustable Rate Home Loan. For all other Home Loan products, the maximum repayment period shall be up to 20 years.
The tenure of the loan is also dependent on the customer’s profile, age of customer at maturity of loan, age of property at loan maturity, depending upon the specific repayment scheme as may be opted and any other terms which may be applicable based on prevalent norms.


ROI of Home Loan (Approx):-

For women* upto 75 Lakhs @ 8.35% - 8.85%

For Others* upto 75 Lakhs @ 8.40% - 8.90%

For Women* above 75 Lakhs @ 8.40% - 8.90%

For Others* above 75 Lakh @ 8.45% - 8.95%



Documents required for Application of Home Loans:-

• Application form with 2 photographs
• Identity Proof & Residence Proof
• Latest Salary Slip (Salaried Individuals)
• Form 16 / ITR (Salaried Individuals)
• Processing Fee cheque
• Last 6 Months bank statement (Salaried Individuals)
• Last 3 Year profit/loss & balance sheet (Self Employed – Professionals/Businessmen)
• Last 3 years income tax returns (Self Employed – Professionals/Businessmen 


1. Passport, the validity of which has not expired.
2. Driving license which has not expired.
3. PAN Card
4. Election /Voters identification card
5. Job card issued by NREGA duly signed by the officer of the State Government
6. Aadhaar Card/ Aadhaar letter issued by UIDAI / E-Aadhaar Letter
7. Identity card with applicant's photograph issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, and Public Financial Institutions
8. Letter issued by a gazetted officer with a duly attested photograph of the person/Applicant.In case of Defence Personnel (Indian Army, Navy, Air Force, Central Reserve Police Force, Border Security Force, Indo-Tibetan Border Police, Central Industrial Security Force and Sashastra Seema Bal) - Letter from Commanding Officer along with Canteen Card
9. Utility bill which is not more than 2 months old of any service provider (electricity, telephone/Internet, postpaid mobile phone, piped gas/ LPG book with latest receipt, water bill)
10. Latest Property or Municipal Tax Receipt
11.Bank Account/ Post Office Saving Bank Account Statement/ Passbook , not more than 3 months old
12. Pension or Family Pension payment orders (PPOs) issued to retired employees by Government Departments or Public Sector Undertakings, if they contain the address
13. Letter of Allotment of accommodation from employer issued by State or Central Government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies
14. Leave and License Agreement with employers like State or Central Government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies, allotting official accommodation

Application Form


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