Home Loans

The Right Loan for Every Home

Competitive rates from 8.5% p.a., 50+ lending partners, and a fully digital process — so you spend less time on paperwork and more time finding your perfect home.

RBI Registered
Approval in 24 Hours
Zero Hidden Fees
Free EMI Calculator

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

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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

Extra Funds

Top-up Loan

Rate

9.0% p.a.

Tenure

Up to 20 years

LTV

Up to 75% of property

Get additional funds against your existing home's equity — for renovation, education, medical needs, or any other purpose.

  • No end-use restriction
  • Lower rate than personal loans
  • Quick disbursal in 72 hrs
  • Flexible repayment

Quick Estimate

What Will Your EMI Be?

On a ₹50 Lakh loan at 8.5% p.a. for 20 years, your EMI is approximately ₹43,391/month.

Loan Amount

₹50 Lakhs

Rate p.a.

8.5%

Monthly EMI

₹43,391

*Indicative only. Actual rate and EMI may vary based on credit profile and lender terms.

Eligibility

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.

Age
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

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.

Ready to Apply?

Get an in-principle approval in 24 hours — no commitment required.