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Loan Consultancy Services
Apply now and avail an interest rate as low as 9.40%* Only
Get a guaranteed decision on your mortgage application in 5 days, else get a
refund of processing fees paid by you.

Home Loans available for:

  • Purchase of under construction properties
  • Purchase of Ready Property
  • Purchase of Plot &Self construction thereon
  • Home extention/renovation


  • Loans for Salaried & Self-employed individuals
  • One time processing fees
  • Flexible Loan Repayment option
  • Free & Safe Documents Storage
  • Refinance your Loan
  • No Hidden Charges
  • Zero pre-payment charge
  • No co-borrowers/Guarantors required
  • Choice of tenure upto 20 years
  • Fixed rate loan

Net Income (Rs.) 3,00,000 per annum
Minimum Age (in years) 23
Maximum Age (in years) 60 (salaried)
65 (self employed)
Minimum Loan Amount (Rs.) 10 lacs**
Maximum Loan Amount (Rs.) 100 crore**
Maximum Tenor (in years) 30**

Completed loan application form with one passport size photograph

  • Proof of individual’s identity +

    Any one of the following
    Photo PAN card
    Voter/Defence identity Card
    Driving licence
    Photo ration card
    Government identity card

  • Proof of residence +

    Any one of the following
    Ration card
    Telephone (land/mobile) bill
    Electricity bill
    Driving licence
    Society outgoing bill
    Voter's identity card
    Life Insurance Policy
    * Only Passport can be used as both Proof of individual's identity and Proof of residence.

  • Proof of age +

    Any one of the following
    Valid driving licence
    Voter's identity card
    Birth certificate
    School leaving certificate
    LIC Policy or Premium receipt clearly indicating the applicant's age
    Letter from the employer stating the age of the employee #
    # Applicable only for employees of select Public Limited Companies. Conditions apply

  • Other Primary Documents+

    Copy of property papers
    Bank Statement
    Income Documents
    Processing Fee Cheque
    There may be additional documents that are needed, details of which would be given to you at the time of application.

  • Q1. How do I apply for a Home Loan?
    Its simple! Just fill in your details and we will get in touch with you.

  • Q2. What are the documents that I need to submit when I apply for the loan?
    The primary documents that have to submitted are:
    1. Identity, Age & Residence Proof
    2. Bank Statement
    3. Income Documents
    4. Processing Fee Cheque
    5. Copy of property papers
    There may be additional documents needed, details of which would be given at the time of application

  • Q3. What are the maximum and minimum loan amounts that can be availed?
    The loan amount can go up to Rs. 10 crore, depending on your repayment capacity, and the city where the loan is disbursed. The minimum loan amount that can be availed is Rs. 10 lakhs.

  • Q4. Who all can be co-applicants on the home loan?
    You can include your immediate relatives (spouse, parents, or children) as co-applicants on the loan. Siblings can be co-applicants if they are co-owners to the property. You also have the option of including partnership firms, private limited companies, and closely held limited companies as co-applicants.

  • Q5. What is the amount of processing fees that I have to pay?
    Different banks/companies charge different processing fee but generaly it would be .5% of loan amt. 

  • Q6. Will Bank refund my processing fee?
    If we are unable to sanction the loan to you, the processing fees minus Rs. 2000 will be refunded to you. In case your loan has been sanctioned, the processing fees will not be refunded.

  • Q8. What are my options for repayment?
    You can choose among the following options to give repayment instructions:
    a. Post Dated Cheques (PDC's)
    b. Electronic Clearing System (ECS)
    c. Standing Instruction on your Bank Account

  • Q9. If the property is under construction, and I have not taken full disbursal, what options do I have regarding payment of EMI?
    You have the option of paying either pre EMI (interest on the amount of loan disbursed thus far) or full EMI during this period.

  • Q10. How is the interest on my loan calculated?
    The interest is calculated on a daily reducing balance and is charged with monthly rests.

    Q11. If I opt for a fixed rate loan, does the interest rate remain fixed for the tenure of the loan?

  • Q12. Can I convert from a fixed rate of interest to a variable rate or vice versa?
    At the discretion of Bank, you have the option of changing your interest type from Fixed to Variable or vice- versa provided you pay 1.5% of the principal outstanding at the time of exercising the option.

  • Q13. Having taken a home loan, can I take a top-up loan without offering any additional security?
    Yes. Once you have completed six months of repayment on your home loan, we offer you the option of applying for a top up loan, over and above your existing home loan.

  • Q14. Can I make part prepayments on my home loan account?
    You can prepay your loan whenever you wish, there are no charges associated with prepayment on home loan.

  • Q15. How long do I have to wait after my loan is booked before I can make a part pre-payment?
    6 months.

  • Q16. Can I prepay my Home Loan?
    Yes, you are allowed to prepay your loan. You can also choose to make partial prepayments on your home loan. Please refer to the terms and conditions mentioned in the loan agreement to know more about the applicable charges on prepayments.

  • Q17. What are the charges on preclosure of the loan?
    There is no pre - payment charges applicable on Home Loans

  • Q18. Are my property documents safe with Bank?
    We offer In-house scrutiny of Property documents for your complete peace of mind. So be assured that your property documents are in safe hands.

  • Q19.What are the customer privileges that I can avail of?
    If you are an existing Home Loan customer, you can avail of other loans
    (such as Personal Loans, Car Loans, Two-wheeler Loans and Loan against securities) at lower interest rates and with minimum documentation.

  • Q20.Can I give standing instructions to repay my Home Loan EMIs directly from my Bank Savings Account?
    Yes, you can opt for Automated Repayment and your EMIs will be directly repaid from your Bank Savings Account, thus saving you the trouble of procuring, signing and tracking post-dated cheques.

  • Q21. Do I have the option to structure my loan as partly fixed or partly floating?
    Yes, you can structure your Bank. Home Loan as Partly Fixed or Partly Floating as per your needs

  • Q22. What is the maximum Loan to Value (LTV) that I can avail a Home Loan for?
    Based on the valuation of your property, you can avail a Home Loan of up to 80% of your property value.

  • Q23. What is the minimum eligibility for availing a Home Loan?
    You should be at least 23 years of age and have work experience of at least 2 years to avail a Home Loan.

  • Q24. Can I get a pre-approval for my loan now and avail a Home Loan later?
    Yes, based on your income and capacity to repay, we can give you an in principle approval for a Home Loan. Based on the approved loan amount, you can easily identify the property you need to buy. However, the property should meet Credit parameters for obtaining a final sanction.

  • Q25. What is an EMI and how is the EMI calculated on my Home Loan?
    EMI stands for Equated Monthly Instalments. This instalment includes both the Principal and Interest
    Components. Home Loans are repaid through EMIs (Equated Monthly Instalments)
    over the period of the loan. You can download our EMI calculator to find out your EMI for a specified rate and period.

  • Q26. How do I repay my Home Loan EMI?
    Bank offers you a host of repayment options for your loan EMI. You can pay your EMI through:
    SI (Standing Instruction) on your Bank account or an ECS (Electronic Clearing System)