1. Home
  2. Products

A home loan with an enhanced digital experience? Yes, please

Home Loans to build your dream home

video-img
Flowers

Overview

You're one of a kind. Your home loan should be, too.

A comprehensive home loan platform with a variety of solutions tailored to your unique financial needs. Enjoy a smooth end-to-end experience with a 5x faster processing time by being identified by 90+ lenders who suit your requirements.

Flowers Flowers

Home Loan

The most common type of loan availed to purchase a home. Depending on your financial institution you can get up to 80%-90% of the house’s market price in the form of financing.

Home Loan Balance Transfer

Stabilise your finances by opting for transferring of home loan. Whether you’re looking to lower your EMIs or consolidate your debts, refinancing your current home loan is easier than you think.

Loan against property

Smoothest means to raise a loan for your business or personal needs against your Commercial, Residential or Industrial property under attractive interest rates and a dedicated relationship manager to help you along.

Plot or Construction Loan

Build a home that fulfills all your needs with our customized options of Home Loans. Especially for you to buy a plot of land and build a new house on it in the following years.

Renovation or Extension Loan

Give your home a much-needed makeover with our Home Improvement Loan at exciting interest rates. It will allow you to repair and renovate your worn-out property and make it brand new for you and your family.

Home Loan Top Up

If you're having difficulty repaying your home loan or running out of funds, you can opt for the Home Top-up Loans. We have options to ensure that you can enjoy lower interest rates than a personal loan.

Features & Benefits

Lowest Interest Rates

Home loan interest rates have never been this low in the past 15 years. With the current range of home loan offers, you might be able to receive a low rate of interest on your house loan for any amount.

Affordable EMI Plans

With the greatest repayment flexibility, you may get the lowest home loan EMI of Rs. 626 per lakh. Some options are step- up EMIs, step-down EMIs, OD facility, balance transfer, top-up, and more.

No Foreclosure Charges

Prepayment options for home loans with a variable interest rate are the most flexible. There are no costs associated with partial or complete repayment. Depending on your income flow, you may be able to pay off your debt sooner and save money that way.

PMAY Subsidy

Beneficiaries of Economically Weaker Section (EWS)/Low Income Group (LIG), Middle Income Group (MIG)-I- and Middle-Income Group (MIG)-II seeking housing loans are eligible for an interest subsidy of 6.5%, 4% and 3% on loan amount up to Rs. 6 Lakh, Rs. 9 Lakh and Rs. 12 Lakh respectively.

Income Tax Benefits

If you are a first-time purchaser, you can claim a tax exemption on principal repayment under Section 80C, interest payments under Section 24 (b), and an extra benefit on interests under Section 80EE.

get started

The Home Loan Process, Now Online

Avoid Confusion Get it Right with BASIC

Flowers

Apply at BASIC

Apply at BASIC

Applying on our website takes only 30 seconds. Once we have your details, we will assign an advisor who will help you in the end-to-end fulfillment of your application. Our advisors are industry experts and stay by your side throughout your journey, as a single point of contact.

Flowers

Get available bank offers, sitting at home

Get available bank offers, sitting at home

An assigned advisor visits your house and using our proprietary technology built on actual credit policies of the banks, checks your eligibility across 90+ lenders and generates offers from banks. No more visiting any bank branch or paying an upfront fee.

Flowers

Advisor does a paperless application

Advisor does a paperless application

Once you select an offer, our advisor will do digital verification and onboarding for you. Post which our advisor will make a paperless login to the selected bank. No more hassles of complicated or pending documentation.

Flowers

Advisor does the final documentation, and you get the loan

Advisor does the final documentation, and you get the loan

Once the application is approved, our advisor will collect all hard copy documents and submit them to the bank and your loan will be processed. It's that BASIC!

vector

Eligibility Criteria

PRIMARY

  • Age

    18-60 years - Salaried

    18-65 years - Self-Employed

  • Employment Status

    The applicant can be (any one):

    Salaried / Self-Employed / Self-Employed Professionals At least 3 years of experience

  • Nationality

    Resident Indian

    NRI (Non-Resident Indian)

  • Minimum Income

    Salaried - INR 15,000 Per Month

    Self-Employed - INR 20,000 Per Month

co-applicant

  • Adding a financial co-applicant can help in availing the bigger loan amount.

  • Enjoy better interest rates by adding women as co-owner.

  • All co-applicants need not necessarily be co-owners.

  • Generally, co-applicants are close family members.

Documents Required

Please note that the list of documents mentioned is indicative. During loan processing, additional documents may be needed. The same shall be communicated to you as and when required.*

Residents

Residents

  • KYC Documents – Passport, Driving License, Aadhaar Card, Voter ID Card, Registered Rent Agreement.
  • Employment details – ID Card, last 3 months’ salary slips.
  • Bank account statements for the last 6 months (salaried)/ 12 months (self-employed).
  • Document of proof of business of minimum 5 years (for businessmen/ self-employed professionals)
  • Form 16 (Part A & Part B) and filed Income Tax Returns (ITR) for the past two years

Non-Residents

Non-Residents

  • The PAN Card for both applicant & co-applicant(s)
  • 2 passport-sized photographs need to be attached to the application form
  • An HR confirmation letter mentioning designation, gross salary, present address, and contact details.
  • Work permit/CDC required
  • All pages of the passport needed for both the applicant and co-applicant(s) along with a valid work visa
  • Payslips for the last 3 months
  • An overseas bank statement for the previous 6 months (in which salary is getting credited)
  • The latest 6-month NRE/NRO bank statement
  • Income tax returns for the last 2 years. (If you have been working with the same organization for more than 2 years, then you only need to submit the income tax returns for the last year)

EMI Calculator

Avoid Confusion Get it Right with BASIC

5 Lac10 cr
5%20%
130

Break up of Total Payment

Your monthly EMI is

Total Amount Payable

  • Principal Amount

  • Total Interest

Interest rates & Charges

Get the lowest interest rates with our most trusted banking partners

Banks Rate of Interest (Starting From) Processing Fees Tenure (Years)
bank 8.50% 0.35% 30
bank 8.70% Up to 0.50% or INR 3000 whichever is higher 30
bank 8.50% Up to 4% 40
bank 8.70% 0.5% - 1.0% 30
bank 8.75% 1% 30
bank 8.50% 0.50% to 1.75% 25
bank 8.75% INR. 999 30
bank 10.5% Upto 2% 25
bank 8.5% INR 20,000 30
bank 8.55% INR 10,000 30
bank 8.75% Up to 3% 30
bank 8.75% 0.50% 30
bank 8.60% INR 10,000 30
bank 9.5% 1.20% 30
bank 8.75% 0.75% 25
bank 9.75% Up to 3 % 30
bank 9.75% Up to 2.5% 30
bank 10.25% 3% 30
bank 8.75% 1.25% to 2.25% 30
bank 8.60% No processing fee; discounted upfront fee 30
bank 8.35% 0.50% , Min. INR 10,000 30
bank 8.50% 0.50% up to INR 20,000 30
bank 8.90% 1.5% or INR 10,000, whichever is higher 30
bank 9.00% INR 2,500 - INR 7,500 25
bank 8.45% 0.50% 30
bank 11.00% Up to 2.5% 30
bank 9.50% 1.5% 30
bank 9.5% Up to INR 5100 or 1.5% whichever is higher 30
bank
8.50%

Rate of Interest

(Starting From)

0.35%

Processing Fees

30

Tenure (Years)

bank
8.70%

Rate of Interest

(Starting From)

Up to 0.50% or INR 3000 whichever is higher.

Processing Fees

30

Tenure (Years)

bank
8.50%

Rate of Interest

(Starting From)

Up to 4%

Processing Fees

40

Tenure (Years)

bank
8.70%

Rate of Interest

(Starting From)

0.5% - 1.0%

Processing Fees

30

Tenure (Years)

bank
8.75%

Rate of Interest

(Starting From)

1%

Processing Fees

30

Tenure (Years)

bank
8.50%

Rate of Interest

(Starting From)

0.50% to 1.75%

Processing Fees

25

Tenure (Years)

bank
8.75%

Rate of Interest

(Starting From)

INR. 999

Processing Fees

30

Tenure (Years)

bank
10.5%

Rate of Interest

(Starting From)

Upto 2%

Processing Fees

25

Tenure (Years)

bank
8.5%

Rate of Interest

(Starting From)

INR 20,000

Processing Fees

30

Tenure (Years)

bank
8.55%

Rate of Interest

(Starting From)

INR 10,000

Processing Fees

30

Tenure (Years)

bank
8.75%

Rate of Interest

(Starting From)

Up to 3%

Processing Fees

30

Tenure (Years)

bank
8.75%

Rate of Interest

(Starting From)

0.50%

Processing Fees

30

Tenure (Years)

bank
8.60%

Rate of Interest

(Starting From)

INR 10,000

Processing Fees

30

Tenure (Years)

bank
9.5%

Rate of Interest

(Starting From)

1.20%

Processing Fees

30

Tenure (Years)

bank
8.75%

Rate of Interest

(Starting From)

0.75%

Processing Fees

25

Tenure (Years)

Piramal Housing finance
9.75%

Rate of Interest

(Starting From)

Up to 3 %

Processing Fees

30

Tenure (Years)

Capri Home Loan
9.75%

Rate of Interest

(Starting From)

Up to 2.5%

Processing Fees

30

Tenure (Years)

bank
10.25%

Rate of Interest

(Starting From)

3%

Processing Fees

30

Tenure (Years)

bank
8.75%

Rate of Interest

(Starting From)

1.25% to 2.25%

Processing Fees

30

Tenure (Years)

bank
8.6%

Rate of Interest

(Starting From)

No processing fee; discounted upfront fee

Processing Fees

30

Tenure (Years)

bank
8.35%

Rate of Interest

(Starting From)

0.50% , Min. INR 10,000

Processing Fees

30

Tenure (Years)

bank
8.5%

Rate of Interest

(Starting From)

0.50% up to INR 20,000

Processing Fees

30

Tenure (Years)

bank
8.90%

Rate of Interest

(Starting From)

1.5% or INR 10,000, whichever is higher

Processing Fees

30

Tenure (Years)

bank
9.00%

Rate of Interest

(Starting From)

INR 2,500 - INR 7,500

Processing Fees

25

Tenure (Years)

bank
8.45%

Rate of Interest

(Starting From)

0.5%

Processing Fees

30

Tenure (Years)

bank
11.00%

Rate of Interest

(Starting From)

Up to 2.5%

Processing Fees

30

Tenure (Years)

bank
9.50%

Rate of Interest

(Starting From)

1.5%

Processing Fees

30

Tenure (Years)

bank
9.5%

Rate of Interest

(Starting From)

Up to INR 5100 or 1.5% whichever is higher

Processing Fees

30

Tenure (Years)

Disclaimer: Interest rates and fees on loans vary based on eligibility and lender criteria. All applicable fees and charges are subject to GST and other relevant taxes. Rates and fees are subject to change at the lender’s discretion. Please review loan terms carefully before acceptance.

GET STARTED