Our Loan Products
Comprehensive home loan solutions tailored to your needs
New Home Loan
Finance your dream of owning a brand new home
Product Description
Our New Home Loan is designed to help you purchase your dream home from a builder or developer. Whether you're looking for an apartment, villa, or independent house, we offer competitive interest rates and flexible repayment options to make your homeownership journey smooth and affordable.
This loan is ideal for first-time homebuyers and those looking to upgrade to a new property. We provide financing for properties under construction as well as ready-to-move-in homes.
Loan Amount & Tenure
Loan Amount
Up to ₹5 Crores
Up to 90% of property value
Loan Tenure
Up to 30 Years
Flexible repayment period
Interest Rate
Starting from 8.5% p.a.
Competitive rates
Interest Rate Calculation
Our interest rates are calculated based on several factors including:
- Credit score and credit history
- Loan amount and tenure
- Property value and location
- Income stability and employment status
- Existing financial obligations
Interest rates are subject to change based on market conditions and RBI guidelines. We offer both fixed and floating interest rate options.
Repayment Options
EMI (Equated Monthly Installment)
Fixed monthly payments throughout the loan tenure, making budgeting easier.
Step-Up Repayment
Start with lower EMIs that increase gradually as your income grows.
Prepayment Facility
Make partial or full prepayments to reduce your loan burden and save on interest.
Required Documents
Identity Proof
- PAN Card
- Aadhaar Card
- Passport
- Driving License
- Voter ID
Address Proof
- Aadhaar Card
- Utility Bills (Electricity/Water/Gas)
- Bank Statement
- Rent Agreement (if applicable)
Income Proof
- Salary Slips (Last 3 months)
- Form 16 / IT Returns (Last 2 years)
- Bank Statements (Last 6 months)
- Employment Certificate
Property Documents
- Sale Agreement
- Property Registration Documents
- Builder/Developer NOC
- Property Valuation Report
- Approved Building Plan
Resale Home Loan
Purchase your perfect pre-owned home
Product Description
Our Resale Home Loan helps you purchase a pre-owned property from an existing owner. This loan option is perfect for those looking to buy a house that's already constructed and ready to move in, often at more affordable prices than new properties.
We provide comprehensive support including property verification, legal documentation assistance, and quick loan processing to make your resale property purchase hassle-free.
Loan Amount & Tenure
Loan Amount
Up to ₹3 Crores
Up to 85% of property value
Loan Tenure
Up to 25 Years
Flexible repayment period
Interest Rate
Starting from 8.75% p.a.
Competitive rates
Interest Rate Calculation
Interest rates for resale home loans are determined based on:
- Property age and condition
- Location and market value
- Borrower's credit profile
- Loan-to-value ratio
- Property legal status
We conduct thorough property verification to ensure the property is free from legal encumbrances before loan approval.
Repayment Options
EMI (Equated Monthly Installment)
Fixed monthly payments for consistent budgeting and financial planning.
Flexible Repayment
Choose between fixed or floating interest rates based on your preference.
Prepayment Facility
Make prepayments without penalties to reduce your loan tenure or EMI amount.
Required Documents
Identity Proof
- PAN Card
- Aadhaar Card
- Passport
- Driving License
Address Proof
- Aadhaar Card
- Utility Bills
- Bank Statement
Income Proof
- Salary Slips (Last 3 months)
- IT Returns (Last 2 years)
- Bank Statements (Last 6 months)
Property Documents
- Sale Deed
- Previous Chain of Documents
- Property Tax Receipts
- Encumbrance Certificate
- Property Valuation Report
Self-Construction Loan
Build your own home from the ground up
Product Description
Our Self-Construction Loan is designed for individuals who want to build their own home on a plot of land they own or plan to purchase. This loan covers both land purchase and construction costs, with disbursements made in stages as construction progresses.
We provide flexible disbursement schedules aligned with your construction milestones, ensuring you have funds available when needed while maintaining proper construction monitoring.
Loan Amount & Tenure
Loan Amount
Up to ₹4 Crores
Up to 80% of project cost
Loan Tenure
Up to 30 Years
Flexible repayment period
Interest Rate
Starting from 8.65% p.a.
Competitive rates
Interest Rate Calculation
Interest rates for self-construction loans consider:
- Construction plan and timeline
- Land ownership and location
- Borrower's financial profile
- Project cost estimates
- Builder/Contractor credentials
Interest is charged only on the disbursed amount, not the entire sanctioned loan amount, making it cost-effective during construction.
Repayment Options
Stage-wise Disbursement
Funds released in stages based on construction progress, reducing interest burden.
Pre-EMI Option
Pay only interest during construction period, start full EMI after completion.
Full EMI
Start regular EMI payments immediately after first disbursement.
Required Documents
Identity Proof
- PAN Card
- Aadhaar Card
- Passport
- Driving License
Address Proof
- Aadhaar Card
- Utility Bills
- Bank Statement
Income Proof
- Salary Slips (Last 3 months)
- IT Returns (Last 2 years)
- Bank Statements (Last 6 months)
Property & Construction Documents
- Land Title Deed
- Approved Building Plan
- Construction Agreement
- Builder/Contractor Details
- Cost Estimates
- NOC from Local Authority
Ready to Apply?
Get started with your home loan application today. Our team is ready to guide you through the process and help you find the best loan option for your needs.