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Home Loan
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Make your dream home into reality with Home Loan for up to ₹ 10 Crore* and interest rates starting from 8.65%* p.a. Get up to 90%* of the property value, with tenure from 3 years to 30 years. Enjoy a fully digitised process, supported by a dedicated relationship manager to assist you at every step of the way. Additionally, you can also get tax benefits under Sections 80C and 24 of the Income Tax Act.

Competitive Interest Rates

Home Loan interest rates starting from 8.65%* p.a.

High Loan Amount

Loan amount starting from ₹ 20 Lakh* up to ₹ 10 Crore*

Loan Tenure

Flexible tenure starting from 3 years up to 30 years

Digitised Process

Online application process with a dedicated relationship manager

Minimal Documentation

Apply for a Home Loan online with minimal documentation

Tax Benefits

Avail tax benefits under Section 80C and Section 24 of the IT Act

emi-calculator

EMI Calculator

Information

Results generated by the calculator(s) are indicative in nature.

Preferred loan amount

₹
₹20,00,000
₹10,00,00,000

Interest rate (per annum)

%
8.65%
13%

Loan tenure (months)

36 months
360 months

Estimated EMI

per month
  • ₹ 36,690

  • Interest payable

    ₹52,41, 690
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Eligibility & Documents

Residency:

Indian resident or NRI

Age:

Salaried: 23 years to 70 years
Self-employed: 25 years to 70 years

Profession:

Salaried / self-employed professionals and non-professionals

Other:

Can be increased by adding co-applicant income or other verifiable income sources

Age Proof

Aadhaar Card | PAN Card | Passport

Address Proof

Utility bills (not older than 2 months | Aadhaar Card | Driving License | Passport | Voter ID etc

Photo ID Proof

PAN and any one of the following- Aadhaar Card | Driving License | Passport | Voter ID | Job card by NREGA | Letter issued by the National Population Register containing details of name and address

Income Proof

Income proofs vary for different professionals across salaried, non-salaried and self-employed. List of required income documents

Fees And Charges

List of all fees and charges for Home Loan

How to Apply

Apply for Home Loan with these steps

FAQs & Support

View all

How frequently can I repay my home loan ahead of schedule?

There is one part pre-payment option available for each quarter.

Can I get an additional loan in my existing loan account?

You could get additional loan in your existing loan subject to your repayment history and credit norms of the company. Kindly get in touch with our Sales Representative for further details.

Are there any restrictions on transfer of immovable properties?

In terms of Chapter XX C of the Income Tax Act, 1961, the Central Government has the first option to purchase certain immovable properties exceeding certain value and as such transactions covered by this Chapter can be proceeded with only after complying with the requirements prescribed therein.

How will LTF decide my Home Loan eligibility?

LTF assesses a customer's repayment capacity based on various criteria - including income, age, qualifications, number of dependents, spouse's income, assets, liabilities, stability and continuity of occupation, savings history, etc.

How is loan repaid?

All loan repayment are done via equally monthly instalments.

What are the benefits of Home Loan?

Home Loan can help you secure the home you've always wished for. Additionally, it can also allow you to renovate, refurbish or redo your home, exactly the way you want.

What is pre-EMI interest?

In the case of part disbursement of the loan, monthly interest is payable only on the disbursed amount. This interest is called pre-EMI interest (PEMI) and is payable monthly till the final disbursement is made, after which the EMIs would commence.

Can the EMI calculator help me plan my Home Loan repayment?

Yes, the calculator can help you plan your repayments by showing you the total interest payable, the principal amount paid each month, and the remaining loan balance.

What is the processing time of loan?

We are committed to giving the best in class service. We will ensure the fastest turnaround time for processing the loan is 6-10 working days ensuring faster TAT. Subject to complete documentation and due diligence.

Which documents are required to avail of a Home Loan without ITR?

Alternatives include bank statements, salary slips, and Form 16, but requirements may vary by lender.

Explore all FAQs

Testimonials

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Housing Loan

Buying a home in Mumbai was always a dream of mine, and Aadhar Cash has made this dream come true. They offered competitive interest rate, quick approval with easy documentation. I would highly recommend Aadhar Cash to anyone looking for a reliable home loan provider.

Yadika Hussain

Mumbai

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Housing Loan

As a 2nd generation entrepreneur, expanding my PVD coating business was easy with Aadhar Cash. The process was fast, smooth, with minimal paperwork and the best interest rates. Thanks to PLANET, I can make part payments and withdrawals with ease. They've provided full funding for my growth.

Harsh Gosalia

Pune, Maharashtra

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Business Loan

As a steel and aluminum trader, I needed constant capital post-COVID. Aadhar Cash's DLOD service impressed me with a seamless, fully digital process. Their executive guided me well, leading to a swift sanction. The competitive interest rate & round the clock transaction facility were game-changers for my business.

Jignesh Solanki

Mumbai

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Housing Loan

Aadhar Cash made my homeownership and business growth easier! After taking a home loan with another bank, I needed additional funds to expand my business. L&T offered a quick response, pre-approval, & a streamlined process with minimal paperwork. Plus, I received lower interest rate & maximum funding!

Amol Hirawadekar

Mumbai

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Housing Loan

Choosing Aadhar Cash for our home loan was seamless. The team was supportive, with transparent documentation, quick responses, and competitive rates. Their efficient process made our home-buying journey smooth, and the L&T Emerald’s location, amenities, and security make it the perfect choice for our family.

Amit Chaturvedi

Mumbai, Maharashtra