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Our Home Loan is a housing loan designed to assist you in purchasing your dream property, whether it’s a new apartment, row house, or construction, Renovation & repair & Plot purchase+ construction. By offering the property as collateral, you can avail of a loan amount ranging from ₹2,00,000 to ₹30,00,000. This loan is suitable for purchasing both under-construction and ready-to-move-in properties from developers or development authorities.

The loan is available to individuals between the ages of 23 and 60 years for salaried individuals, or retirement age (whichever comes earlier). For self-employed professionals (SENP), the maximum age is 70 years at the time of application. In cases where the borrower is a non-income earner, but a property owner, the loan can extend up to 80 years at the time of loan maturity, provided all legal heirs are included in the loan structure.

The repayment tenure for this loan is flexible, with a maximum duration of up to 20 years for a Home Loan. The loan repayment is made through monthly instalments/ENACH, ensuring a manageable and consistent payment schedule.

To be eligible for this loan, the target segments include bank salaried individuals and self-employed professionals with regular ITR and assessment income. Additionally, female must be on loan structure, either as the applicant or co-applicant. KYC documentation, such as an Aadhar card or any other document as per the KYC policy defined by RBI/NHB, is required for the application process.

A high credit score and clean repayment records will significantly enhance your chances of quicker loan approval.

Our Home Loan is a convenient solution for those looking to own a new home or invest in property with an easy and flexible financing option. To learn more or apply for a loan, feel free to contact us or visit our nearest branch.

Loan Against Property (LAP)* is a secured loan product that provides a flexible financial solution for both salaried individuals and businesses. The loan is sanctioned once you mortgage your residential or commercial property, with the credit amount being based on the current market value of the property. You can mortgage a self-occupied property, Plot, or any piece of land that you own, as long as the title of the property is clear. The loan amount ranges from ₹2,00,000 to ₹30,00,000, making it a viable option for large financial requirements.

The loan is available to individuals between the ages of 23 and 60 years for salaried individuals or retirement age (whichever comes earlier). For self-employed professionals (SENP), the maximum age at the time of application is 70 years. In cases where the borrower is a non-income earner but a property owner, the loan tenure can extend up to 80 years at the time of loan maturity, provided that all legal heirs are included in the loan structure.

The repayment tenure for LAP is flexible, with a maximum duration of up to 15 years. Repayment is done through *monthly instalments/ENACH, making the repayment process manageable and consistent for borrowers. To be eligible for this loan, the target segments include bank salaried individuals, and self-employed professionals who have regular ITR and assessment income. Additionally, female must be on loan structure, either as the applicant or co-applicant. KYC documentation, such as an Aadhar card or any other documents as per the KYC policy defined by RBI/NHB, is required for the application process.

A high credit score and clean repayment records are important factors that will significantly increase the chances of quick loan approval. The collateral for the loan is decided based on mutually agreed norms, following the SORP and SOCP.

Our Loan Against Property offers a reliable and flexible solution for those looking to leverage their property for urgent financial needs, whether it's for personal, business, or other investments. For more information or to apply, feel free to contact us or visit our nearest branch.