Housing Loan

Fund your dream home-buy, build, or renovate with our housing loan options. A housing loan, also known as a home loan, is one that is extended to the borrower by a bank or financial institution for buying, constructing, or renovating a house or property.
A housing loan, better known as a home loan, is a certain type of loan given by banks or any other financial institution for buying, building, or renovating a house or property.

Key Features:

• Purpose: To purchase a new or existing home, construct a house, or renovate/expand an existing property.
• Loan Amount: Based on te borrower’s income, property value, and repayment capacity.
• Repayment: Usually repaid in monthly installments (EMIs) over a period of 5 to 30 years.
• Interest Rate: Can be fixed or floating.
• Security: The property being purchased is kept as collateral until repayment.

Benefits:

• Helps achieve the dream of owning a home.
• Offers tax benefits on principal and interest payments.
• Flexible repayment options.

📄 Documents List for Housing Loan (All Categories)

KYC Documents:

• Aadhar Card, PAN Card, and 2 Passport Photos
• Voter ID / Passport / Driving License (any one)

Income Proof:

• Salary Slips.
• Employee ID / Form 16
• Salary Account Statement (1 Year)
• ITR

📄 Documents List for Salaried

KYC Documents:

• Aadhar Card, PAN Card, and 2 Passport Photos
• Voter ID / Passport / Driving License (any one)

Income Proof:

• 3 Month Salary Slip
• Bank Statement for One Year
• ITR (Income Tax Return)
• Form 16

📄 Documents List for NRI

KYC Documents:

• Aadhar Card, PAN Card, and 2 Passport Photos
• Voter ID / Passport / Driving License (any one)

Income Proof:

• Salary Certificate (Embassy-attested) – 6 months
• Account Statement – 6 months (Salary Account)
• Account Statement – 6 months (NRE/NRO Account)

📄 Documents List for Business Class

KYC Documents:

• Aadhar Card, PAN Card, and 2 Passport Photos
• Voter ID / Passport / Driving License (any one)

Income Proof:

• D&O License from Panchayath / Corporation / Municipality
• GST Registration and Filing
• IT with Computation
• Bank Statement (One Year)
• Vintage Proof for 3 Years
• MSME Registration Certificate (If any)n

Property Loan

A property loan, also known as a loan against property (LAP), is a type of secured loan where you mortgage your property to get funds.

Key Features:

• Purpose: Can be used for business expansion, education, medical expenses, or personal needs.
• Security: Property is pledged as collateral until full repayment.
• Loan Amount: Up to 70–80% of property’s market value.
• Repayment: EMIs over 5 to 20 years.
• Interest Rate: Lower than unsecured loans.

Benefits:

• Large loan amount available.
• Lower interest rates.
• Long repayment tenure.

📄 Required Documents (NRI Class)

KYC Documents of Applicant and Co-Applicant:

• Photo – 2
• Aadhaar Card
• PAN Card
• Passport
• Voter ID / Passport / Driving License (any one)

Land Documents

• Deed
• Prior Deed
• Encumbrance Certificate
• Possession Certificate
• Land Tax
• Building Tax
• Location Sketch
• Location Certificate
• Pattaya (if any)

Income Proof:

• Visa
• Labour ID Card
• Salary Slip (3 months)
• NRI Account Details
• Bank Account Details
• One-year Bank Statement (both)

📄 Documents List for Salaried

KYC Documents:

• Aadhar Card, PAN Card, and 2 Passport Photos
• Voter ID / Passport / Driving License (any one)

Income Proof:

• 3 Month Salary Slip
• Bank Statement for One Year
• ITR (Income Tax Return)
• Form 16

📄 Documents List for NRI

KYC Documents:

• Aadhar Card, PAN Card, and 2 Passport Photos
• Voter ID / Passport / Driving License (any one)

Income Proof:

• Salary Certificate (Embassy-attested) – 6 months
• Account Statement – 6 months (Salary Account)
• Account Statement – 6 months (NRE/NRO Account)

📄 Documents List for Business Class

KYC Documents:

• Aadhar Card, PAN Card, and 2 Passport Photos
• Voter ID / Passport / Driving License (any one)

Income Proof:

• D&O License from Panchayath / Corporation / Municipality
• GST Registration and Filing
• IT with Computation
• Bank Statement (One Year)
• Vintage Proof for 3 Years
• MSME Registration Certificate (If any)n

Purchase Loan

Purchase loans are provided for buying new or used property with document variations for Salaried, NRI, and Business applicants.

Requirement

• KYC: Photo, Aadhar, PAN, Passport/Driving License/Voters ID.
• Income Proof: Salary slips, ITR, Form 16, or D&O license with GST filings.
• Land & Legal Documents: Deed, EC, Possession Certificate, Land Tax, Sale Agreement, etc.

📄 Documents List for Salaried

KYC Documents:

• Aadhar Card, PAN Card, and 2 Passport Photos
• Voter ID / Passport / Driving License (any one)

Income Proof:

• 3 Month Salary Slip
• Bank Statement for One Year
• ITR (Income Tax Return)
• Form 16

📄 Documents List for NRI

KYC Documents:

• Aadhar Card, PAN Card, and 2 Passport Photos
• Voter ID / Passport / Driving License (any one)

Income Proof:

• Salary Certificate (Embassy-attested) – 6 months
• Account Statement – 6 months (Salary Account)
• Account Statement – 6 months (NRE/NRO Account)

📄 Documents List for Business Class

KYC Documents:

• Aadhar Card, PAN Card, and 2 Passport Photos
• Voter ID / Passport / Driving License (any one)

Income Proof:

• D&O License from Panchayath / Corporation / Municipality
• GST Registration and Filing
• IT with Computation
• Bank Statement (One Year)
• Vintage Proof for 3 Years
• MSME Registration Certificate (If any)n

Mudra Loan

Mudra Loan is a government scheme launched under PMMY to help small businesses, entrepreneurs, and startups get financial support without heavy collateral.

Scheme

• Shishu – Up to ₹50,000 (Startups)
• Kishor – ₹50,001 to ₹5 lakh (Growing businesses)
• Tarun – ₹5 lakh to ₹10 lakh (Established units)

Documents Required:

• KYC: Aadhar, PAN, Photo, Passport/Driving License/Voter ID
• Residential Proof: Land Tax, Ration Card, Utility Bill, Rent Agreement
• Business Proof: D&O License, GST, MSME, FSSAI (if any)
• Income Proof: GST Returns, Audited Balance Sheet, ITR, Project Report

Business Loan

A business loan provides financial assistance to start, manage, or expand business operations. It can be secured or unsecured depending on the applicant’s eligibility and business profile.

Key Features:

• Purpose: For business operations, expansion, or new ventures.
• Loan Amount: Based on business performance, credit score, and income proof.
• Repayment: Tenure between 1–10 years with flexible or fixed EMI options.
• Type: Secured or unsecured loans based on business category.

Benefits:

• Improves working capital and cash flow.
• Supports business expansion and sustainability.
• Helps build a solid business credit profile.

📄 Required Documents (Unsecured Loan):

KYC Documents of Applicant and Co-Applicant:

• Aadhar Card, PAN Card, and 2 Passport Photos
• Voter ID / Passport / Driving License (any one)

📄 Documents List Business Proof:

Business Proof:

• D&O License from Panchayath / Corporation / Municipality
• GST Registration and Filing
• IT with Computation
• Bank Statement (One Year)
• Vintage Proof for 3 Years
• MSME Registration Certificate (If any)n
• Land Tax

Education Loan

Requirement

🎓 1. Student Documents

KYC Documents:

• Aadhaar Card
• PAN Card

Identity Proof:

• Passport
• Voter ID / Driving Licence (any one)

Address Proof:

• Aadhaar
• Passport
• Utility Bill
• Rental Agreement

Academic Records:

• 0th, 12th, and Degree mark sheets & certificates
• Admission letter from the college/university
• Fee structure (tuition, hostel, and other fees)
• Entrance exam scorecard (if applicable — e.g., NEET, JEE, CAT, etc.)
• Passport-size photographs (2–4 copies)
• Student’s Bank account statement (last 6 months)

📄 Documents List for Co-applicant / Guarantor

KYC Documents:

• Aadhaar Card
• PAN Card

Address Proof:

• Passport
• Electricity Bill
• Ration Card
• Aadhaar

Income Proof (as applicable):

For Salaried:

• Latest 3 months’ salary slips
• Form 16 or latest 2 years’ ITR (Income Tax Return)
• Bank statement (last 6 months)

For Self-Employed:

• Business registration proof
• 2–3 years’ ITR with computation
• Profit & Loss and Balance Sheet (CA certified)
• Bank statement (last 6 months)

📄 Collateral Documents (only for secured loans)

• Property title deed
• Sale deed / Gift deed
• Latest property tax receipt
• Approved building plan
• Encumbrance Certificate (EC)
• Valuation report by bank-approved valuer

📄 For Overseas Education (if applicable)

• Valid passport & visa copy
• Proof of travel & accommodation
• I-20 / Offer Letter from foreign university
• Cost of living estimate provided by institution