Our Products
Loan Products
Most Popular
Home Purchase Loan
- Rate
- 8.5% p.a.
- Tenure
- Up to 30 years
- LTV
- Up to 90% of value
Finance your new home — ready-to-move or under construction — with India's most competitive rates and the fastest approvals.
- Up to ₹5 Cr loan amount
- Pre-approved in 24 hrs
- No prepayment penalty
- Tax benefits u/s 80C & 24
Save More
Balance Transfer
- Rate
- 8.5% p.a.
- Tenure
- Retain existing tenure
- LTV
- Switch without hassle
Already have a home loan at a higher rate? Transfer it to Taksh Fin and save lakhs in interest over the remaining tenure.
- Save up to ₹8L in interest
- No additional collateral
- Minimal documentation
- Same-day in-principle approval
EligibilityAge 21 – 65 years at loan maturity Employment Salaried or self-employed Min. Income ₹25,000/month (salaried) | ₹3L/year (self-employed) Credit Score 700+ (higher score = better rate) Property Residential — ready-to-move or under-construction Loan Amount ₹10 Lakh to ₹5 Crore
Who Can Apply?
Home loans are available to Indian residents who meet the following basic criteria. Final eligibility is assessed on a case-by-case basis.
Documents
What Do You Need?
Our documentation process is fully digital. Upload once — we do the rest.
Identity Documents
- Aadhaar Card
- PAN Card
- Passport / Voter ID
Income Documents
- Last 3 months salary slips
- Form 16 / ITR (2 years)
- Bank statements (6 months)
Property Documents
- Sale deed / agreement
- Approved building plan
- NOC from builder / society
FAQ
Common Questions
How quickly will I get a decision on my loan?
Most applicants receive an in-principle approval within 24 hours of submitting their application. Final disbursement typically happens within 7–10 working days after property verification.
Can I get a home loan if I am self-employed?
Yes. Self-employed borrowers with a minimum of 3 years in the same profession and an annual income of ₹3 Lakhs or more are eligible. You will need to provide ITRs for 2 years and audited financials.
What is the maximum loan amount I can get?
You can borrow up to ₹5 Crore depending on your income, credit profile, and property value. We typically fund up to 90% of the property value for amounts below ₹75 Lakhs.
Are there any hidden fees or charges?
No. We follow a zero-hidden-fee policy. The only charges you will see are the processing fee (disclosed upfront) and statutory government charges. What we quote is what you pay.
Can I prepay or foreclose my loan early?
For floating-rate home loans, there is zero prepayment penalty as per RBI guidelines. You can part-prepay or foreclose at any time without extra cost.
What CIBIL score is required for the best home loan rates?
A CIBIL score of 750 or above typically gets the most competitive rates from salaried borrowers. Scores between 700–749 still qualify for most lenders but may attract a slightly higher rate. If your score is below 700, our advisors can guide you on improvement steps before applying.
What is the maximum loan tenure available?
Most lenders offer home loan tenures of up to 30 years. Longer tenures reduce your monthly EMI but increase the total interest paid. Use our EMI calculator to find the tenure that balances your monthly budget with total interest cost.
Can I transfer my existing home loan to a better rate?
Yes. A balance transfer lets you move your outstanding home loan to a new lender offering a lower rate. If you are paying more than 9% p.a. on your current loan, a balance transfer through Taksh Fin could save you lakhs over the remaining tenure. Contact us to check your savings.
Do I need to visit a bank branch at any point?
No. The entire process — application, document upload, lender selection, and disbursement coordination — happens digitally through Taksh Fin. Some lenders may require a one-time video KYC call, but physical branch visits are not required in our standard process.
How long does it take from application to disbursement?
Once you submit your complete application with all documents, most applicants receive a conditional approval within 24 hours. Final disbursement after property verification and legal checks typically takes 7–10 working days.