We offer an easy-to- apply home loan with attractive interest rates, to turn your dream into reality. Our housing loan facilities are available for a range of needs such as purchase a home, renovation or expansion of your existing home or purchase a plot of land and build a home.With our international representative offices, you can now avail our NRI Home loan services right at the comfort of where you are based, in any part of the world. 

Features

The maximum term of your home loan can be up to 20 years.

Your home loan amount depends on your annual income and ability to repay the loan. Loan amount will be subject to cost of selected property* as per ABL norms and policy guidelines.

*Minimum home loan amount is Rs. 5 Lakh.

Your home loan interest rate starts from 10%* p.a. Know more about fees and charges Call to Us (*T&C Apply)

You can pay your home loan EMIs through:

  • Electronic Clearing Service (ECS)/ National Automated Clearing House(NACH)- based on standing instructions, given to your bank
  • Post Dated Cheques (PDCs) – Drawn on your salary/savings account. (Only for locations where ECS/NACH facility is not available.)

Documents

ID & Address Proof (Any One Required)

  • Aadhaar card
  • PAN card
  • Valid Passport (mandatory)
  • Voter ID card
  • Driving license

Residence Proof (Any One Required)

  • Utility Bill: Electricity, Telephone, Postpaid mobile, water bill etc.
  • Ration card
  • Letter from employer
  • Letter from recognized public authority
  • Bank statement / Pass book with address
  • Valid Rent Agreement
  • Sale Deed
  • Overseas address proof, if available (Not mandatory)
  • Salary slips for the last 2 months or salary certificate*
  • Work Permit or any other employment proof issued by concerned government / employer
  • W2 / Overseas IT payment details, if applicable
  • Copy of all overseas bank account statements for the last 6 months (compulsory updated until end of previous month). Net Banking PDF copy also accepted.
  • Copy of NRE/ NRO Bank accounts for last 6 months (compulsory updated until end of previous month). Net Banking PDF copy also accepted

*If variable components like over time and incentives are reflected, then salary slips for the past 6 months are required.

  • Allotment letter from builder
  • Agreement of Sale
  • Registration and stamp duty receipt
  • Index- ii
  • NOC from builder
  • Demand letter
  • Own Contribution Receipt  (OCR )
  • All builder linked documents (Applicable for cases which are not approved or previously not funded by ABL)
  • Development Agreement
  • Tripartite Agreement
  • Partnership Deed
  • Sale Deed
  • Title Search Report
  • NA order

Note: Original documents are required for verification purpose only.

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