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Overview – Home Loan for Self-Employed / Salaried

If you have found it difficult to get a home loan in the past for not having adequate income proof or other institutions refusing to provide you with a loan due to the nature of your business, you are not alone. If you find the loan application process complicated, we are here to help you at every step of the way. With the right support, getting a home loan can be a quick, easy, and rewarding experience.

Our home loan has been designed with you in mind. We offer easy eligibility norms and require very few basic documents. You can get a home loan in as less as 72 hours as we have a team of legal and technical experts at all of our branches.

Nothing should come between you and your dream of owning a home. We are here to assist you even after your loan is disbursed – be it during repayment or whenever you need any type of funding in the future.

Loans for all aspiring homeowners:

Our home loan helps salaried individuals like government employees and corporate professionals, as well as self-employed individuals like doctors, lawyers, CAs, traders, and small business owners. We are committed to your dream of owning a home of your own.

Easy eligibility:

Getting a home loan is quicker with us due to our flexible eligibility norms and basic document requirements. Even if you don’t have formal income proof documents like ITR, but have a good history of repaying loans, our local experts will help you get the support you need. 

Tip: To increase your eligibility, you can even add a co-applicant like your spouse or immediate family member.

Home loans from ₹ 3 lakhs to ₹ 5 crores:

Whether your need is big or small, we finance them all. You can get a home loan for all of the following: 

1. Under-construction property, ready-for-possession property, or builder property

2. New property or resale property

3. Property from state housing boards such as DDA and MHADA/existing Co-operative Housing Society/Apartment Owners' Association/Development Authorities settlements/homes by private developers.

4. For property in cities, regularised colonies, and gram panchayat properties

5. For multi-unit or self-constructed property or even to construct a house on a plot of land you own or to refinance a residential property

6. For construction on a freehold/leasehold plot or on a plot allotted by a Development Authority

Gold Loan Overview:

No matter how much you plan, there will be unexpected expenses along the way. It could be a medical emergency or an urgent cash requirement for your business. Our Gold loan is a convenient way to manage short-term cash needs as it comes with non-jumping interest rates that stay the same throughout your loan tenure.

Convenient repayment options:

• Pre-pay anytime during the loan tenure

• Pay in full at the end of the tenure (Bullet repayment)

Gold Loan Eligibility:

There are a few basic criteria you must fulfill in order to be eligible for a gold loan from us.

• You must be an Indian resident

• You must be at least 21 years of age

• Your age at the time of the maturity of the loan should not exceed 70 years, so that you can enjoy your golden years without paying EMIs

• You must be the owner of the gold jewelry you are depositing,

• You must be an individual (our gold loan is not available to non-individuals)

Documents Required for Gold Loan:

To apply for a gold loan with us, make sure you carry these documents to your nearest branch:

• KYC Documents (Proof of Identity and Proof of Address)

• PAN/Form 60

• Photograph

• Blank canceled cheque

OTHER TYPES OF LOANS:

1. CAR LOAN, 2. PERSONAL LOAN, 3. BUSINESS LOAN, 4. LOAN AGAINST PROPERTY & MORTGAGE LOAN, 5. LOAN AGAINST SHARES(LAS) ETC.

Disclaimer: 

• The rates, and fees, as stated hereinabove, are subject to changes/ revision from time to time at the sole discretion of the Company. 

Walk into any of our branches to meet your local experts. They are committed to helping you at every step of your journey. They speak your language and are familiar with your locality.

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