Deepak Kumar (Senior Advisor) 9410928747 Mon - Sun: 9:00 AM - 8:00 PM
trust | Cooperation Prosperity
Direct Senior Advisor
Deepak Kumar
Call 9410928747

9410928747

deepakkumar@shriramindiafinance.com

Loan Assistance Featured Product

Home Loan

Loan to buy a house

View Eligibility Criteria
Key Highlights
Starting Interest Rate 8.40% p.a. Rates depend on benchmark repo rates, applicant profile, loan-to-value (LTV), and credit score.
Loan Tenure Up to 30 Years
Loan Amount Range ₹5 Lakhs to ₹5 Crore+

About This Loan

Buying or constructing a home is among life’s most significant financial milestones. A Home Loan offers high-value, long-tenure financing with attractive interest rates and substantial tax deductions under the Income Tax Act.

Shri Ram India Finance guides homebuyers through property legal verification, builder approvals, margin money requirements, and comparative interest options from leading banks and housing finance corporations (HFCs).

Key Features

Attractive long-term interest rates
Flexible repayment periods extending up to 30 years
Tax benefits on Principal repayment (Section 80C) and Interest paid (Section 24b)
Balance transfer and top-up loan options available
Assistance for ready-to-move, under-construction, and self-construction homes

Eligibility Criteria

Final eligibility parameters are evaluated by individual lenders based on credit bureau reports and repayment capacity.

  • Age: 21 to 65 years at time of maturity
  • Employment: Salaried with continuous service, or self-employed with stable income history
  • Co-applicants (spouse, parent, earning child) can be added to enhance eligibility
  • CIBIL Score: 720+ highly recommended for prime interest rates
  • Property must possess clear legal title and municipal sanctions

Documents Required

Keep these documents ready to ensure quick verification and smooth coordination with lending partners.
Identity & Address Proof of applicant and co-applicants
Income Documents: Form 16, Salary Slips (3 months), or 3 years ITR with financial statements
Bank statements of salary/business account for past 6 to 12 months
Property Documents: Sale agreement, Title deed chain, approved building plan, NOC from society/builder
Processing fee cheque / receipt

Benefits of Applying With Us

Ownership of an appreciating real estate asset
Substantial yearly tax exemptions on interest and principal components
Lender conducts independent legal and technical due diligence on property
Step-by-step assistance from application to disbursal

Who Can Apply?

Indian residents and Non-Resident Indians (NRIs) planning to purchase ready apartments, builder floors, or construct standalone houses.

Home Loan FAQs

Yes, adding a co-applicant (such as your spouse, parents, or siblings) combines your monthly incomes and significantly enhances the sanctioned loan amount.

As per RBI guidelines, LTV ranges between 75% to 90% depending on the loan bracket and property value.
Dedicated Support

Apply for Home Loan

Share your details for personalized partner assistance.

+91
₹
Deepak Kumar

Speak directly with our senior loan advisor.

Call 9410928747

Other Loan Categories You May Consider

Gold Loan

Fast liquidity backed by gold ornaments with minimal documentation and prompt turnaround.

Starting Rate 9.50% p.a.
Max Tenure 3 to 36 Months
Details

Two Wheeler Loan

Affordable and quick financing for purchasing daily commute bikes, scooters, and electric two-wheelers.

Starting Rate 11.00% p.a.
Max Tenure 12 to 48 Months
Details
Featured

Car Loan

Loan to buy a car

Starting Rate 8.75% p.a.
Max Tenure 1 to 7 Years
Details

Looking for Home Loan?

Share your requirement with us and our team will contact you to explain eligibility and partner options.