Home Loan

A Home Loan That Fits the Life You're Building

Whether you're buying your first home, building on a plot, or moving to a better rate, a home loan is usually the largest, longest commitment you'll take on—so it's worth getting the structure right from the start.

Check Your Fit Talk to an Advisor

Up to ₹5CrIndicative loan amount

8.50%+ p.a.Starting rate, illustrative

Up to 30 yearsRepayment tenure

Before you apply

Have identified, or are close to finalising, a property
Can arrange margin money—typically 10–25% of the value
Have stable, documented income to show

See the full eligibility list

Why it works

Long Tenure, Lower Monthly Pressure

A home loan spreads a large amount over decades, so the EMI stays livable even as the loan itself is substantial.

Tenure Up to 30 Years

A long repayment window keeps the EMI proportionate to a large loan amount.

Rate Linked to Your Profile

A stronger income and credit history typically unlock a lower rate on this scale of borrowing.

Possible Tax Benefits

Home loans may qualify for tax benefits under applicable laws—confirm the specifics with your tax advisor.

Loan variants

More Than One Way to Fund a Home

"Home loan" covers more than just buying a finished house—here's what else it can fund.

Home Purchase Loan

The standard route—financing a ready-to-move-in or resale home.

Under-Construction Property Loan

Disbursed in stages, matching the builder's construction milestones.

Plot + Construction Loan

Buy the land and fund the build, often as a single combined facility.

Home Loan Balance Transfer

Move your existing home loan to a lower rate elsewhere, on the outstanding balance.

Home Loan Top-Up

Borrow more on your existing home loan, without a fresh application from zero.

Renovation / Extension Loan

Fund repairs, an extra room or a full renovation on a home you already own.

Eligibility

Where Do You Stand?

General guidelines lenders weigh for a home loan. Actual criteria differ by lender and are confirmed during assessment.

Who typically qualifies

Age23 to 65 years, often capped so the loan closes near retirement age.
IncomeA stable income able to support a long-term EMI at this scale.
Employment stabilityA reasonable, documented tenure with your employer or business.
Property statusA clear-titled property, approved by the lender's legal team.

What strengthens your case

Credit scoreA strong score matters more at this loan size than almost anywhere else.
Margin money readyHaving your down payment arranged smooths the whole process.
Co-applicant incomeAdding a co-applicant can improve the loan amount you qualify for.
Complete KYCPAN, Aadhaar and address proof kept current.

Documents

Sorted by Who You Are

Pick the category closest to yours. Requirements can still shift slightly by lender.

PAN card and Aadhaar, or another valid ID
Latest 3 months' salary slips
Salary account statement for the last 6 months
Form 16 / latest ITR

PAN card and Aadhaar, or another valid ID
Business registration and continuity proof
Income tax returns for the last 3 years
Bank statements for the last 12 months

Sale agreement or builder allotment letter
Title deed and chain of documents
NOC from builder or society
Approved building plan and latest tax receipts

How to apply

From Property Selection to Registration

Share property & income details

Tell us about the property and your income, so we can gauge what's realistic.

Property & legal verification

The lender's legal and technical teams review the property's papers and value.

Value & margin assessment

The lender confirms the loan-to-value ratio and the margin money you'll need to bring in.

Sanction letter & offer

Review the approved amount, rate and tenure before accepting anything.

Registration & disbursal

Funds are released, typically in line with the property's registration or construction stage.

Plan the repayment

See What It Might Cost You Each Month.

Move the sliders to get an illustrative EMI before you apply. Your actual offer depends on the property, your profile and the lender's assessment.

Example only—not an offer or approval.

I’d like to borrow₹ 35,00,000

₹5L₹5Cr

Over a period of180 months

5 years30 years

At an interest rate of8.75% p.a.

8.5%13%

Estimated monthly payment₹ 34,900at an illustrative 8.75% p.a.

Apply Now

FAQs

Home Loan Questions, Answered

Most lenders fund up to 75–90% of the property's value, so you'd typically arrange the remaining 10–25% yourself, depending on the loan amount and property type.

Not always, but adding one—often a spouse or parent—can increase the loan amount you're eligible for by combining incomes.

The loan is usually disbursed in stages, matching the builder's construction milestones, rather than as one lump sum upfront.

Floating-rate home loans to individuals are generally free of prepayment charges, though this is worth confirming against your specific sanction letter.

Home loans commonly qualify for benefits on principal and interest under applicable tax laws, but the specifics change and depend on your situation—please confirm with your tax advisor.

It may mean a higher rate, a lower loan-to-value ratio, or a request for a co-applicant—rather than an automatic decline. Worth discussing your specific case with an advisor.