1 Home Loan Products
Explore our comprehensive range of financing solutions tailored to your needs
Home Purchase Loans
Finance your dream home with flexible terms and competitive rates for residential properties
Plot Loan
Finance the purchase of residential plots for future construction projects
Composite Loan
Combined financing for land purchase and construction in one single loan
Construction Loan
Staged disbursement for new construction with flexible payout schedules
House Renovation
Upgrade and modernize your existing home with quick financing options
Home Extension
Expand your living space by adding extra rooms or stories to your property
Top Up Loans
Borrow additional funds against your existing property at competitive rates
Loan Against Property
Get funds for any purpose by mortgaging your residential or commercial property
Balance Transfer
Switch to better rates and terms by transferring your existing home loan
NRI Housing Loans
Special financing for Non-Resident Indians investing in Indian properties
2 Eligibility Criteria
Check if you meet our key requirements for home loan approval
Age-Based Eligibility
| Age Group | Loan Tenure | Repayment Conditions |
|---|---|---|
| 18-30 years | Up to 30 years | Most flexible with longer tenures for lower EMI |
| 31-45 years | Up to 25-30 years | Standard terms with balanced EMI |
| 46-60 years | Up to 20 years | Shorter tenure, higher EMI expectations |
| 60-70 years | Up to 15 years | Stricter limits & higher rates possible |
Minimum Income Requirements
Minimum Annual Income: ₹1,20,000
Preferred Monthly Income: ₹15,000 – ₹25,000+
Minimum Employment History: 2 Years
Minimum Annual Business Income: ₹2,00,000
Minimum Business Continuity: 2-3 Years
Credit Score Requirements
700-749 : Good – Competitive rates
650-699 : Average – Approval possible with rate premium
No Credit History : Considered with co-applicant
Key Eligibility Metrics
You must contribute 10% – 25% as down payment.
6 Personal Documents Required
Complete document checklist for all applicant categories
💼 Salaried Employees Documents
All required documents for salaried employees in private/public organizations
Company ID / Employee Card
Current employee identification from your organization
✓ Shows employer name & employee details
Appointment/Experience Letter
From current employer showing designation, date of joining, and CTC
✓ Dated within last 3 months
Last 3 Months Salary Slips
Recent payslips showing salary, deductions, and net income
✓ Bank account transfer details
6 Months Bank Statements
Bank statements showing salary credits and all transactions
✓ Clear salary deposits visible
Form 16 (Last 2 Years)
Income tax withholding certificate from employer
✓ Signed by employer & CA
ITR Acknowledgment (2 Years)
Income tax return filed with income tax department
✓ Bank statement attached
Form 26AS (2 Years)
Tax assessment details from Income Tax portal
✓ Shows TDS credit
Previous Employer Letter
Experience letter from previous employer (if experience < 3 years in current job)
✓ Company letterhead & stamp
• If you have 2+ consecutive annual bonuses, average bonus can be considered
• If you have housing rent receipts, can strengthen your application
• If you changed jobs recently, a relieving letter from previous employer is required
• Fresh employees (< 6 months) may need educational certificates for verification
🏢 Self-Employed Professionals Documents
All required documents for CA, Doctor, Engineer, Lawyer, Architect, etc.
Professional Certificate
License/degree in your profession (CA, MBBS, B.Tech, etc.)
✓ Valid & recognized qualification
Professional Registration Certificate
Registration with relevant professional body (ICAI, IMC, IEI, Bar Council, etc.)
✓ Council/Board certificate copy
Practice Registration / License
Clinic/office registration or business license
✓ Shows practice address
Office Address Proof
Lease agreement or ownership proof of clinic/office
✓ Utility bill in professional name
ITR (Last 3 Years)
Complete income tax returns showing professional income
✓ Showing consistent income
CA Certified Income Certificate
Certification of income by Chartered Accountant
✓ CA’s PAN mentioned
Last 12 Months Bank Statements
Professional account statements showing regular income
✓ Showing professional deposits
Last 6 Months Personal Account Statements
Personal savings account showing financial stability
✓ No frequent withdrawals
Profit & Loss Statement (2-3 Years)
CA certified P&L showing business profitability
✓ CA stamp & signature
GST Registration (if applicable)
GST registration certificate if business turnover is above threshold
✓ Last 6 months GST returns
• Minimum practice duration: 2-3 years of professional practice required
• Income consistency: Show consistent or growing income trend
• Client references: May be asked for professional client lists
• Practice location: Registered/known practice location required
👨💼 Business Owners Documents
All required documents for proprietary, partnership, and company business owners
Business Registration Certificate
Incorporation or partnership deed registration
✓ Shows business structure
Business License
License from municipal corporation or relevant authority
✓ Shows business type & location
GST Certificate
GST registration certificate (if applicable)
✓ Last 6 months GST returns
PAN Certificate
Business PAN certificate issued by tax department
✓ Not suspended/cancelled
Partnership Deed
For partnership firms – registered partnership deed
✓ Registered with registrar
MOA & AOA
For private/public companies – Memorandum & Articles of Association
✓ Director signatures visible
Board Resolution
Board approval for loan application (for companies)
✓ Director signatures
ITR (Last 3 Years)
Complete business income tax returns
✓ Auditor’s report included
Audited Balance Sheet (3 Years)
CA certified financial statements
✓ CA stamp & signature
Profit & Loss Account (3 Years)
CA certified P&L statements
✓ Auditor certified
Cash Flow Statement
Business cash flow showing liquidity
✓ CA certified
Last 12 Months Business Bank Statements
All pages of business bank account statements
✓ Regular business deposits
Last 6 Months Personal Bank Statements
Personal account showing personal financial position
✓ No defaulted cheques
Business Address Proof
Ownership deed or registered lease agreement
✓ Trade mark/shop certificate
Import/Export Code (if applicable)
IEC registration for import/export businesses
✓ Shows business scale
TDS Certificate (Form 16A)
TDS certificates received if applicable
✓ Shows business payments
• Minimum business duration: 2-3 years documented history required
• Profit consistency: Minimum 10-15% profit margin preferred
• Business references: May require customer/supplier verification
• Inventory valuation: For trading/manufacturing, current inventory value required
🌍 NRI (Non-Resident Indians) Documents
Additional documents required for NRI applicants purchasing property in India
Passport Copy
Valid passport showing NRI status
✓ All pages clear photocopy
Visa/Travel Document
Visa or travel document showing residency status
✓ Showing country of residence
NRE Bank Account Statement
NRE (Non-Resident External) account statements
✓ Showing regular deposits
Employer’s Letter (Foreign)
Letter from foreign employer showing employment details
✓ Dated within 3 months
Salary Slips (Foreign)
Last 3 months salary slips from foreign employer
✓ Clear salary details
ITR (India) – Last 2 Years
Indian income tax returns if filing in India
✓ Bank statement attached
Foreign Tax Return
Income tax return in country of residence
✓ Translated to English
Reference Letter from Foreign Bank
Solvency/reference letter from foreign bank
✓ Recent (< 6 months)
Remittance Certificate
From RBI/authorized dealer showing foreign funds remitted
✓ For funds brought to India
Property Registration Consent
RBI permission/consent to purchase property
✓ Valid authorization
PAN Card
PAN card (if obtained) or PAN application proof
✓ Or PAN request status
Co-Applicant Documentation
If co-applicant is resident Indian, all resident documents
✓ Identity & address proof
• Currency conversion: Foreign income converted to INR at current RBI rates
• Funds source: Must show legitimate source of funds for down payment
• Co-applicant: Having resident Indian co-applicant (spouse/parent) strengthens application
• Power of Attorney: If not visiting India, notarized POA may be required
• Loan transfer: Some banks allow conversion to resident loan after return to India
📋 Common Documents (All Applicants)
Essential documents required from all applicant types
Identity Proof Documents
PAN Card
Permanent Account Number card from Income Tax Department
✓ Must be current
Aadhaar Card
UIDAI issued identity card with photograph
✓ Valid & current
Voter ID Card
Election Commission issued identity document
✓ With photograph
Passport
Valid passport with photograph
✓ Valid for 6+ months
Driving License
Valid driving license with photograph
✓ Current & not suspended
Address Proof Documents
Electricity/Utility Bill
Recent electricity or water bill showing current address
✓ In applicant’s name
Telephone Bill
Landline or broadband bill with current address
✓ Shows applicant name & address
Rental Agreement
Registered rental agreement for current residence
✓ Applicant as tenant
Property Ownership Deed
If you own current residence
✓ Applicant as owner
Insurance Policy
Health or vehicle insurance with current address
✓ Shows address
Financial & Legal Documents
Bank Account Details
Bank account information for salary/income deposits
✓ Minimum 6 months old
Affidavit
Self-declaration affidavit for personal information verification
✓ On stamp paper (as per state)
No Objection Certificate
If spouse/family member’s consent needed (if applicable)
✓ Spouse signature if required
Divorce/Separation Deed
If previously married (if applicable)
✓ Shows final settlement
Marriage Certificate
If married, government issued marriage certificate
✓ Both names on certificate
Co-Applicant Documents
Co-Applicant Income Proof
All income documents as per co-applicant’s category
✓ Latest 6 months
Co-Applicant Identity Proof
Valid identity document for co-applicant
✓ Clear photocopy
Co-Applicant Address Proof
Recent utility bill or rental agreement
✓ Recent (< 3 months)
Co-Applicant Bank Statements
Last 6 months personal account statements
✓ Clear transactions
• Get certified copies: Get all documents notarized or bank-certified
• Recent documents: Most documents should be less than 6 months old
• Clear photocopies: All copies should be clear and readable
• Original verification: Banks will verify originals at final stage
• Document organization: Keep documents organized in chronological order
• Digital copies: Keep PDF copies for faster submission if needed
• Translation: Foreign language documents must be officially translated to English
7 Property Documents Required
Complete checklist of property documents required for home loan approval
Property Ownership Documents
Sale Deed / Purchase Agreement
Primary document showing property ownership transfer.
All pages with stamps
Signatures of all parties
Registered Lease Deed
For leasehold properties – registered lease agreement.
Shows lessor & lessee
Lease period & conditions
Gift Deed
If property acquired by gift.
Donor & donee names
Property description
Will Copy
If property inherited through will.
Court certified
All pages
Original Title Deed
Oldest available ownership document for property.
Shows original owner
Ownership chain
Succession Certificate
If property inherited from deceased parent.
Legal heir declaration
Certified copy
Verify ownership at sub-registrar office
Check encumbrance certificate for last 30 years
Confirm no pending litigation
Match seller ID with deed documents
Conduct site & boundary inspection
Verify society & builder reputation
