INDIA'S MOST TRUSTED HOME LOAN PARTNER
अपना सपना, अपना घर
Get home loans starting at 8.5%* p.a. with minimal documentation, fast approval in 24 hours, and a dedicated relationship manager for your entire journey.
No prepayment charges • Free credit score check • 100% digital process
Interest Rate: 8.50% p.a. *CIBIL 750+
PLAN YOUR FINANCES
Use our smart calculator to estimate your monthly installments and plan your dream home purchase.
OUR LOAN PRODUCTS
From first-time home buyers to NRI investors — we have a loan tailored for every dream.
For Ready-to-Move Homes
CIBIL 750+
Build Your Home From Scratch
CIBIL 700+
Buy Land, Build Later
CIBIL 700+
Upgrade Your Existing Home
CIBIL 700+
Switch to a Better Rate
CIBIL 700+
Invest in Your Homeland
For NRIs, PIOs & OCIs
SIMPLE PROCESS
From application to disbursement — fast, transparent, and completely digital.
Complete our 5-minute online form with basic details.
Submit KYC, income proofs, and property documents digitally.
Our team evaluates your eligibility and property valuation.
Receive your conditional approval letter within 24 hours.
Funds transferred directly to seller or builder. Welcome home!
WHY GHARKALOAN
We go beyond just loans — we make your home ownership journey smooth, fast, and rewarding.
Our AI-powered credit assessment ensures you get a conditional approval letter in as fast as 24 hours, so you never miss a property deal.
We partner with 25+ banks and NBFCs to ensure you always get the most competitive interest rate, starting from 8.5% p.a.
Our smart system requires only 6 key documents. Everything else is handled through banking integrations and DigiLocker.
Apply, track, upload documents, and sign agreements entirely online — any time, anywhere, from any device.
A personal advisor assigned to you from day one — available on call, WhatsApp, or in-branch — guiding you through every step.
256-bit SSL encryption, RBI-regulated operations, and 99.9% uptime SLA ensure your data and transactions are always secure.
CUSTOMER STORIES
Real stories from real homeowners across India — their journey, our pride.
GharKaLoan made my dream of owning a 3BHK in Pune come true. The entire process from application to getting the keys took less than 3 weeks. My relationship manager Priya was always available on WhatsApp. Highly recommended!
Being an NRI working in Dubai, I was worried about getting a home loan for my parents in Chennai. GharKaLoan's NRI team handled everything remotely with just power of attorney. Disbursement in 10 days. Absolutely seamless experience.
Transferred my home loan from my previous bank and saved over ₹3.2 Lakhs in interest! The team handled all paperwork with my old lender. Zero hassle for me. I wish I had done this balance transfer 2 years earlier.
QUICK CHECK
Answer 4 quick questions and find out your loan eligibility in under 60 seconds.
Step 1 of 4 — Employment Type
What is your employment type?
FREQUENTLY ASKED
Find answers to the most common questions about home loans, eligibility, rates, and documentation.
Most lenders require a minimum CIBIL score of 700, though some may approve loans at 650 with higher interest rates. At GharKaLoan, we work with borrowers across credit profiles and help you find the best available option. A score above 750 generally qualifies you for the most competitive rates starting at 8.5% p.a.
As a general rule, lenders offer a home loan of approximately 60 times your monthly net salary. For example, if your monthly net salary is ₹1,00,000, you may be eligible for up to ₹60,00,000. This is subject to your existing obligations, credit score, property value, and LTV ratio. Use our eligibility calculator above for a personalised estimate.
Basic documents include: (1) KYC — Aadhaar, PAN, passport-size photo; (2) Income proof — 3 months salary slips and 6 months bank statements for salaried, or 2 years ITR and CA-certified financials for self-employed; (3) Property documents — sale agreement, title deed, NOC; (4) Employment proof — offer letter or employment certificate. Our team helps you compile and verify all documents digitally.
Yes, absolutely. For self-employed borrowers, we accept ITR filings, bank statements, audited balance sheets, and GST returns as income proof in lieu of salary slips. We have specialised loan products with dedicated underwriting teams for business owners, professionals (doctors, CAs, lawyers), and merchants.
A fixed interest rate remains constant throughout the loan tenure, giving you predictable EMIs. A floating rate (linked to MCLR or REPO rate) fluctuates with RBI policy changes — typically lower in the long term. At GharKaLoan, we offer both. Currently, most customers benefit more from floating-rate loans given the declining rate cycle. Our advisors can help you choose based on your risk profile.
Yes. For floating-rate home loans, RBI mandates zero prepayment penalty — you can prepay any amount at any time without additional charges. For fixed-rate loans, a small fee (typically 2–4% of outstanding principal) may apply. We recommend part-prepaying when you have surplus funds as it significantly reduces total interest outgo. Our online portal makes prepayment calculations and submissions completely paperless.
GET IN TOUCH
Fill in your details and our relationship manager will call you within 2 business hours.
Quick 2-minute application · No credit score impact