Apne sapno ka ghar,
ab sirf ek kadam door.
A quietly premium housing finance partner for modern Indian families. Transparent pricing, a dedicated relationship manager, and a calm, digital-first application — designed for the way modern India buys a home.
A loan crafted for every Indian dream.
From first-time buyers to seasoned investors — pick the product built for your journey.
Home Loan
from 8.40%Purchase your dream home — ready-to-move or under-construction — with up to 90% funding.
Apply NowBalance Transfer
from 8.25%Switch your existing home loan to HomeFirst for lower rates and better service.
Save NowHome Construction
from 8.60%Build your dream home on your own plot with structured, milestone-based disbursements.
Start BuildingPlot Purchase
from 9.00%Buy a residential plot for future construction, with tenure up to 20 years.
Buy PlotHome Renovation
from 8.90%Fund extensions, upgrades and interior projects for your existing home.
RenovateLoan Against Property
from 9.75%Unlock the value of your residential or commercial property for business or personal needs.
Get LiquidityBuilt for every profession.
Tailored eligibility, documentation and pricing across six customer archetypes.
Salaried
Age 21–60Employees of private companies, PSUs and government.
Self Employed
Age 23–65Professionals with stable practice or freelance income.
Business Owner
Age 25–65Proprietors, partners, directors with 3+ years vintage.
Doctor
Age 23–65MBBS, MD, BDS, MS with valid registration.
Farmer
Age 21–65Agricultural income with land ownership documents.
Pensioner
Age 55–75Government or corporate pension recipients.
From application to keys — in four steps.
A cinematic, transparent process. See exactly where you stand at every moment.
Apply Online
Fill our secure 6-step form. Takes under 10 minutes.
Upload Documents
Aadhaar, PAN, income proof and property papers.
AI Verification
Documents verified automatically. Eligibility scored in real time.
Sanction Letter
Choose your offer. Download signed sanction letter instantly.
Transparent rates.
Zero fine print.
Benchmark-linked pricing, disclosed processing fees, and no prepayment penalty on floating-rate individual loans.
| Product | Rate | Tenure | Processing |
|---|---|---|---|
| Home Loan — Salaried | 8.40% – 9.25% | Up to 30 years | 0.35% of loan amount |
| Home Loan — Self Employed | 8.75% – 9.75% | Up to 25 years | 0.50% of loan amount |
| Balance Transfer | 8.25% – 9.00% | Up to 25 years | Flat ₹ 4,999 |
| Construction Loan | 8.60% – 9.50% | Up to 20 years | 0.50% of loan amount |
| Loan Against Property | 9.75% – 11.00% | Up to 15 years | 1.00% of loan amount |
A better standard for home finance.
Eight commitments that redefine what a housing loan should feel like.
Low Interest Rates
Benchmark-linked pricing starting at 8.40% p.a.
Quick Processing
Sanction in as little as 24 working hours.
Paperless Application
100% digital journey with e-KYC and e-sign.
Doorstep Service
Executives visit your home or office at your convenience.
Secure Process
Bank-grade encryption and RBI-compliant data handling.
Trusted Advisors
Certified home-loan experts guide you end to end.
Transparent Charges
Every fee disclosed upfront. No surprises later.
Dedicated RM
A single relationship manager from application to disbursal.
Limited-time festive advantages.
Diwali Home Loan Offer
Zero processing fee on all Home Loans sanctioned this month.
Claim OfferReal families. Real keys. Real relief.
"Got my sanction letter in 26 hours. The digital process was refreshingly smooth compared to my earlier lender."
"The women's rate concession and doorstep verification saved me multiple bank visits. Highly recommended."
"Balance transfer saved me ₹ 4.2 lakh over the remaining tenure. Transparent, no hidden fees."
"First time buyer — the team walked me through every step. Truly felt like a partner, not a lender."
Subsidies that stretch your rupee.
PMAY Urban 2.0
Interest subsidy of up to ₹ 2.67 L under Pradhan Mantri Awas Yojana.
CLSS for MIG
Credit Linked Subsidy Scheme for Middle Income Group households.
Rural Housing Fund
Special financing for rural home buyers with agricultural income.
Answered before you ask.
Salaried applicants generally need ₹ 25,000 per month net take-home. Self-employed applicants need annual income of at least ₹ 3 lakh as per latest ITR.
Typically up to 90% of the property value for loans up to ₹ 30 lakh, 80% for loans between ₹ 30 lakh and ₹ 75 lakh, and 75% above ₹ 75 lakh, subject to eligibility.
Up to 30 years for salaried applicants and up to 25 years for self-employed, subject to retirement age.
No prepayment or foreclosure charges on floating rate home loans for individual borrowers as per RBI guidelines.
Most complete applications are sanctioned within 24 to 72 working hours.