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Home Loan
A home loan is a secured loan where the borrower can get up to 80 to 90 percent of the home value. This loan is used to buy/construct a house for themselves or their families or personal use.
Home Loans are tax-deductible under Sections 80C, 24(b) and 80EEA of the Income Tax Act, 1961.
Business Loan
A Business Loan can be used for business expansion such as rent, utilities, salaries, inventory, and supplies, especially when cash flow is low. The approval process for a Business Loan typically depends on what the lender is offering and the business history of the borrower.
We offer a maximum loan amount up to Rs. 50 Lakhs without any collateral.
Personal Loan
A Personal loan is an unsecured loan, meaning they do not require collateral. Personal loans can be used for a long-awaited holiday, home improvements, education expenses, medical bills, or debt consolidation.
The approval and terms of the loan often depend on the borrower's credit score, financial stability, credit history, income level, repayment capacity.
Loan Against Property
We provide smooth & hassle-free funding for all types of properties such as residential, commercial, industrial, plots, schools, hospitals, restaurants, godowns, etc. Your property can help fulfill your dreams when you have a financial requirement for business expansion, child's higher studies, wedding or medical emergency.
You can transfer your existing Loan Against Property with ease & amazing benefits like the top-up facility and lower interest rates.
Commercial Vehicle Loan
Expand or start your business with transportation business, travel agency or add more trucks to your delivery fleet, whatever your business we offer new and used commercial vehicle loan at attractive interest rates, with a flexible repayment tenure.
Gold Loan
A gold loan is a secured loan category when you keep your gold ornaments or coins as a collateral to borrow money from a lender. The lender offers lower interest rates due to the collateral or security against this loan. The amount sanctioned as the loan is generally a certain percentage of the total cost of the gold's market value.
Once you repay the entire loan on time with interest, the gold is returned in the same state as you first deposited them at the time of taking the loan. Gold loans are generally offered for a fixed period of 6 months to 12 months.
When does my home loan EMIs start?
EMIs start after the entire home loan is disbursed. Example: If your loan sanction date is 1st of a month and full disbursement date is 15th of a month then first EMI date typically 5th of the next month.
How to change my Home Loan EMI date?
Changing your Home Loan EMI date, visiting the nearest branch, or using the bank's online customer portal.
What are the benefits of a home loan EMI calculator?
A quick, easy and simple tool to determine your Home Loan EMI based on the loan amount, interest rate, and tenure.
It gives exact results for your monthly installment amount, which helps in better financial planning.
Change the loan parameters (amount, duration and interest rate) and observe the impact on your EMI amount.
The Home Loan EMI calculator online is available 24/7, to get immediate results without having to visit a bank branch.
What is the maximum home loan amount that I can obtain?
You can get up to 80-90% of the property's value and the remaining 10-20% is a down payment made by you. Your higher credit score 750+ can increase your eligibility for a higher loan amount. If you have other loans like: personal or vehicle loans, it may reduce the loan amount you are eligible for.
What are the tax benefits on my housing loan?
You can get tax benefits on repayment of the principal and interest components of your Home Loan as per sections 80C, 24(b) and 80EEA of the Income Tax Act, 1961. Since the benefits may vary each year, please consult your chartered accountant or tax expert for the latest information.
Can I reduce the tenure of a home loan after taking it?
Yes, you can reduce the tenure of a home loan after taking it by paying higher EMI payments. Most lenders allow adjusting EMI amount during the loan tenure, depending on your repayment capacity.
Can I transfer my home loan balance from one bank to another bank?
Yes, you can transfer your loan to another bank offering a lower interest rate and negotiate for a shorter tenure.
Do I need a home loan guarantor?
No, there is no need to have a guarantor if your profile matches with eligibility criteria. Home Loan Guarantor is required when an applicant has a weak financial standing.
Is taking home loan insurance mandatory?
No. Home loan insurance is not mandatory. However, it is advisable that you buy insurance to protect your family from loan liability during unforeseen circumstances.