No guarantors required.

Service at your doorstep.

Simple documentation and speedy processing

No charges on partial prepayments.

For Salaried

Gross annual income of Rs 1,00,000 or above

Minimum 23 and above, maximum age is of 58 years

At least 2 years of work experience.

For Self Employed

Gross annual income of Rs 85,000 or above.

Minimum of 23 years of age and above, and maximum age of 65 years

3 years of continuous business operation

Free Fire & Personal Accident insurance cover

Salaried Individuals

Permanent service in Government/Reputed Companies

Clubbing of income of husband and wife is permitted for salaried employees

Should be above the age of 24 years of age

Professionals

Professionals (i.e. Doctors, Engineers, Dentists, Architects, Chartered Accountants, Cost Accountants, Company Secretary, Management Consultants only)

The applicant should be above 24 years of age

Self Employed Individuals: Clubbing of husband-wife income is not permitted

Proof of Identity

For Salaried

Voter's ID Card

Driving License

PAN card

Photo Credit Card

Employees ID card

Defence / Police / Government Department ID card

Proof of Income-

Salaried-(Latest salary slip showing all deductions or Form 16 along with recent salary certificate

Others (IT Returns for the last 2 years and Computation of income for the last 2 years certified by a CA)

Proof of Residence

Salaried

Bank account statement

Latest Electricity Bill

Latest Mobile OR Telephone Bill

Latest Credit Card statement

Latest LIC policy

Insurance Premium Receipt

Employers letter certifying the current mailing address

Latest NSC

Others

Bank account statement

Latest Electricity Bill

Latest Mobile OR Telephone Bill

Latest Credit Card statement

Latest LIC policy

Insurance Premium Receipt

Other similar instruments indicating the address

Latest NSC

For 3 years 9.75%

For 5 years 10.00%

Floating 9%

5- 15 years--8.75%

15 years--9.00%

Salaried 20 years

Self Employed 15 years

90% of the property value subject to credit discretion

Security for the loan is a first mortgage of the property to be financed, normally by way of deposit of title deeds / or such collateral security as may be necessary.

One time processing fees

No hidden charges

Choice of variable and fixed rate loans

Application form with self-attested photograph

Identity, Age & Residence Proof

Bank Statement

Income Documents

Processing Fee Cheque

Competitive interest rates

Free Personal accident insurance

Doorstep Service

Simplified Documentation

Fixed Rate

(Money Market Clause) - 10.75% May change according to the clause natural calamity 11.25% (Fixed for the entire tenure period)

Floating - 9.75%

The loan terminates before or when one turns 65 years of age or before retirement, whichever is earlier

Employed or self-employed with a regular source of income

The applicant must be at least 21 years of age

Bank statement for the last six months

Income Documents:

Latest Form 16

Certified IT returns for latest 3 years

Admin Fee cheque

Loan Enclosure letter

For Individual Borrowers : (i) Photo Id Proof (ii) Residence Address Proof

For Non-Individual Borrowers : (i) Id Proof (ii) Office Address Proof

Income Documents

Latest Form 16

Certified IT returns for latest 3 years

Admin Fee cheque

Loan Enclosure letter

For Individual Borrowers (i) Photo Id Proof (ii) Residence Address Pro

Fixed Rate - 11%

Floating - 9.5%

Security for the loan is a first mortgage of the property to be financed, normally by way of deposit of title deeds and/or such other collateral security as may be necessary.

Interim security may be required, if the property is under construction.