Home Loan
Home loans at the lowest rate your profile can get
Home purchase, construction, plot + construction, renovation and balance-transfer loans for salaried and self-employed borrowers from leading banks and HFCs.
- Amount
- ₹5 Lakh – ₹10 Cr
- Rate
- From ~8.4% p.a.
- Tenure
- Up to 30 years
Indicative ranges. Final terms depend on the lender's assessment of your profile. Desk hours: Monday – Saturday, 10:00 am – 7:00 pm.
On this loan
What changes when we place a home loan
Up to 90% funding
Depending on the loan amount and the property's value.
Balance transfer + top-up
Move to a lower rate and get extra funds at the same time.
Tax benefits
Deductions on principal and interest under the Income Tax Act.
Self-employed friendly
Lenders that assess your income from banking or GST.
Eligibility
- Age 21–65 at loan maturity
- Salaried with 2+ years of work, or self-employed with 3+ years
- CIBIL score of 700+
Documents we ask for
- KYC, salary slips / ITR
- 6–12 months bank statements
- Property chain documents & approved plan
- Sale agreement / allotment letter
Your loan expert sends a shorter list once the lender and the profile are clear.
Common uses
The comparison
Where this loan usually lands
| What we weigh | Public sector bank | Private bank | NBFC |
|---|---|---|---|
| Rate | Usually the lowest, once the file is complete | Priced on turnover, banking and score | Higher, traded for speed and flexibility |
| Collateral | Often asked once the amount grows | Unsecured up to a limit, then secured | Often unsecured on smaller tickets |
| Time | Longer. More queries and checks | A few days to a couple of weeks | Fastest after the documents are in |
| Best fit | Clean GST and ITR, and scheme cases | Steady banking and a clear score | Thinner files, or when the date matters |
Indicative pattern for a home loan, not a rate card. We place your file with the lenders that fit. The bank or NBFC decides the offer.
EMI calculator
Calculate your home loan EMI
Monthly EMI
₹44,186
- Principal
- ₹50,00,000
- Total interest
- ₹56,04,529
- Total amount payable
- ₹1,06,04,529
Process
How we get your loan sanctioned
- 01
Share your requirement
Fill a 60-second form or call us. Tell us what you need the money for and how much.
- 02
Free profile assessment
A loan expert reviews your financials, CIBIL and documents and points out any gaps before a lender sees them.
- 03
Compare lender offers
We shortlist the banks and NBFCs that fit your profile and compare rates, fees and tenure.
- 04
Sanction & disbursal
We file the application, follow up on lender queries and stay with you until the money reaches your account.
FAQs
Home Loan: common questions
Fixed or floating rate?
Most home loans in India are floating and linked to an external benchmark such as the repo rate. We compare the spread across lenders for you.
Free consultation
Get your home loan on the right road
Talk to a loan expert today. Free consultation, no obligation.