Home Loan
Finance your dream home — purchase, construction or renovation — with long tenures and competitive interest rates.
Apply NowLoan Amount
₹5,00,000 – ₹1,00,00,000
Tenure
Up to 20 years (240 months)
Interest Rate (APR)
9% p.a.
Processing Fee
Up to 1% of loan amount + GST
Loan-to-Value (LTV)
Up to 80% of property value
Disbursal Time
7–15 working days after approval
*Indicative figures. Actual interest rate, LTV and tenure depend on property valuation and credit assessment. See our Interest Rate & Fees Policy for full details.
Eligibility Criteria
- • Indian resident aged 21–65 years (at loan maturity)
- • Salaried or self-employed with stable income
- • Property with clear, marketable title
- • Credit score of 700 or above preferred
- • Valid PAN and Aadhaar
Documents Required
- • Identity Proof: PAN Card, Aadhaar Card or Passport
- • Address Proof: Aadhaar Card, utility bill or rent agreement
- • Income Proof: Salary slips (3 months) or ITR (2 years) for self-employed
- • Bank Statement: Last 6 months
- • Property Documents: Sale deed/agreement, title deed, approved building plan
- • Photograph: Recent passport-size photo
All documents are collected digitally during the application process — no physical paperwork or branch visit required.
What You Can Use Home Loan For
Home Purchase
Buy a new or resale residential property.
Construction
Build a house on a plot you already own.
Home Renovation
Extend, repair or upgrade your existing home.
Balance Transfer
Move your existing home loan for a better rate.
Plot Purchase
Buy residential land for future construction.
Factors That Affect Your Loan Approval
Property Valuation & Title
A clear title and accurate valuation of the property are essential for approval.
Income & Repayment Capacity
Stable income relative to the EMI amount improves your eligibility.
Credit History
A strong credit score helps secure a lower interest rate.
Loan-to-Value Ratio
A lower LTV (higher down payment) generally leads to easier approval.
Representative Example
For a loan of ₹20,00,000 at an interest rate of 10.5% p.a. (APR) for a tenure of 180 months (15 years), with a processing fee of 1% + GST:
- • Monthly EMI: approx. ₹22,108
- • Total amount payable: approx. ₹39,79,436
- • Total interest + fees: approx. ₹19,79,436
This is an illustrative example only. Your actual rate, fees and EMI will depend on your credit profile and will be shared before loan acceptance. Use our EMI Calculator for a personalised estimate.
Home Loan FAQs
You can choose a repayment tenure of up to 20 years, subject to your age at loan maturity and repayment capacity.
Yes, home loans are available for both new and resale residential properties with a clear title.
LTV is the percentage of the property value that can be financed through the loan. Adarsh Capital offers financing up to 80% of the property value, subject to assessment.
Yes, balance transfer is available if you wish to move your existing home loan to Adarsh Capital for better terms.
Home loan principal and interest repayments may be eligible for tax deductions under applicable provisions of the Income Tax Act. Please consult a tax advisor for personalised advice.