Home Loan
Apply for Home Loan Online. Affordable EMI | No income proof required.
Get loan of up to ₹300 Lakhs
Loan value up to 90%
Affordable EMI and speedy approvals
Get loan of up to ₹300 Lakhs
Loan value up to 90%
Affordable EMI and speedy approvals
Home Loan
Apply for Home Loan Online. Affordable EMI | No income proof required.
Get loan of up to ₹300 Lakhs
Loan value up to 90%
Affordable EMI and speedy approvals
Get loan of up to ₹300 Lakhs
Loan value up to 90%
Affordable EMI and speedy approvals
Features
Enjoy affordable EMI
Get speedy approvals
Key Details
ELIGIBILITY
Salaried and Self-employed individuals
PURPOSE
Self-construction of your home, purchase of a house, repairs & renovations, and loan take overs.
LOAN SIZE
Up to Rs 300 Lakhs
TENURE
Up to 30 years
Here are our Charges
Schedule of Charges
Mean rate and Interest rate range for the quarter April 2025 – June 2025
Annualised Percentage Return (APR) for the quarter April 2025 – June 2025
Housing Finance
Schedule of Charges
Charges
Details of Charges
Legal Charges
Rs.2,000/- for loan amount less than or equal to 5 lakhs
Rs.3,000/- for loans greater than 5 to 25 lakhs
Rs.5,000/- for loans greater than 25 lakhs
Processing Fees
Up to 2% on the sanctioned home loan
Admin Fee
Up to 0.2% on the sanctioned home loan
Login Fee (Non-refundable and part of Processing fees)
Rs.2,000/- inclusive of GST for loans upto 5 lakhs
Rs.3,000/- inclusive of GST for loans greater than 5 upto 25 lakhs
Rs.5,000/- inclusive of GST for loans greater than 25 lakhs
CERSAI Charges
Rs 50/- for all loans up to Rs 5 Lakhs and Rs 100/- for all other loans
Part Pre-Payment Charges (Fixed ROI period)
Payment made through own funds of the borrower(s) - 2%
Part Pre-Payment Charges excluding corporate borrowers (Floating ROI period)
Nil
Part Pre-Payment Charges for corporate borrowers (Floating ROI period)
Payment made through own funds of the borrower(s) - 2% on the prepaid amount
Foreclosure Charges (Fixed ROI Period)
Payment made through own funds of the borrower(s) - 2%. Payment made through funds/instruments from other financial institutions - 4% (Balance transfer of loan to other institution) on the outstanding balance
Foreclosure Charges for Excluding corporate borrowers (Floating ROI Period)
NIL
Foreclosure Charges for Corporate borrowers (Floating ROI Period)
Payment made through own funds of the borrower(s) - 2%. Payment made through funds/instruments from other financial institutions - 4% (Balance transfer of loan to other institution) on the outstanding balance
Cheque Bouncing Charges
Rs.500/-
Delayed Payment Charges
24% per annum for the delayed days from EMI due date till the date of payment on the EMI due
Mortgage Creation / Release Charges
As per applicable state laws
Stamp Duty
As per applicable state laws
Field Visit Charges
Rs.250 per visit for EMI collection
Documentation Charges
Rs.2580/-
Repayment Swap Charges
Rs.500/-
Charges for providing a photocopy of documents
Rs.500/-
Charges for providing physical Statement of Accounts/No due certificate - Once in six months
Nil
Charges for providing physical Statement of Accounts/No due certificate - More than once in six months
Rs.500/-
Charges for mortgage release/cancellation
Rs.1000/-
Credit Shield
As Applicable
Personal Accident Cover
As Applicable
Property Insurance
As Applicable
Switch Fee
One time charge of 0.25% on loan principal outstanding or Rs.5000/- whichever is higher
*Goods and Services Tax (GST) will be charged extra as per the applicable rates, on all the charges and fees (wherever GST is applicable)
*Market Linked Benchmark (MLB): External Benchmark Rate is arrived based on Repo Rate published by RBI. Rate is published at https://rbi.org.in/home.aspx
Application forms complete in all respects will be processed within 14 days from the date of receipt of application form.
Wherever additional information/documentation is required to process the application form, the same shall be intimated to the customer within 14 days from the date of receipt of the application form.
To make payments for the Loan via NEFT / RTGS, please contact your Home Branch – Branch Manager for further details.
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