Surat is an amazing city located in the western part of India. It is a major hub for commerce, industry, textiles, and diamonds. The city offers a wide variety of housing options to suit any budget - from traditional Gujarati-style homes to modern apartments with all the amenities. Surat also has many excellent schools, hospitals, entertainment venues, and shopping areas - making it an ideal place to live and work. When it comes to financing a home purchase in Surat, there are many options available. Piramal Finance strives to make the home loan process as straightforward and hassle-free as possible. With our competitive interest rates, flexible repayment options, and personalized customer service, we’re here to help you find the best home loan solution for your needs.

Features and Benefits of Home Loans in Surat

Dedicated Support

Don't miss out on the incredible chance to transfer your current home loan balance at a discounted interest rate! Piramal Finance makes it incredibly straightforward and hassle-free. The bare minimum of paperwork is all that's required, after which you can relax while they take care of the rest!

Top-Up Loan

Applying for a Top Up Loan with Piramal Finance is an effortless process if you already have an existing loan. With rates that are lower than usual, this funding opens up the door to help pay for needs such as home renovations, college tuition expenses, and even launching new business endeavors--all without submitting any additional paperwork! Now that's something worth celebrating!

Prepayment and Foreclosure Facility

If you're in the position to do so, take advantage of Piramal Finance's pre-payment and foreclosure facilities. Not only will this considerably reduce your costs associated with taking on a loan, but it also grants an opportunity for early repayment prior to its duration!

Minimal Documentation

Piramal Finance makes the process of applying for a Home Loan in Surat stress-free, quick, and effortless - all with only minimal paperwork required! This accelerates the loan approval procedure so that you can obtain funding faster than ever before.

Required Documents for a Home Loan

  • Documents proving identity and a photograph.
  • Proof of address and identification
  • Recent copy of Form 16
  • Income Proof (if you are salaried, then the Latest Salary Slip)
  • Bank account statements from the previous six months
  • Property-related documents
  • If you're a self-employed applicant, you'll need to show proof of business

Criteria for Getting a Home Loan in Surat

  • Piramal Finance has certain criteria that you need to fulfill in order to qualify for a home loan in Surat. You must be an Indian citizen, be at least 21 years old, have an income source, and possess a good credit score. Additionally, you must submit all the necessary documents, such as ID proof, address proof, bank statements, and salary slips. Once these criteria are fulfilled, our experts will begin processing your loan application.
  • We understand that paperwork and processes can be tedious, so we have designed our process to be as streamlined and stress-free as possible. If you're based in Surat and looking for a quick home loan approval, let us take care of it all - no more worrying about stacks of documents or complex procedures!

Interest Rates and Charges

  • Piramal Finance boasts its home loan rates in Surat. We offer home loan interest rates starting at 11%* p.a. We offer both floating and fixed interest rates for any home loan application. It’s up to the customer and their preference. Our experts decide the exact interest rate for your home loan based on factors like income, employment history, credit rating, and your relationship with us.

Things to Consider While Buying a Home in Surat

Know What You Want

Before you embark on your house-hunting journey, take a few moments to make sure that your vision for the dream home is feasible and attainable. Consider financial goals, present lifestyle demands, and potential family requirements to set an affordable budget. Next up: determine aspects such as how many floors are necessary, where it should be located geographically, and features desired of the property - eventually forming a solid understanding of what kind of dwelling suits you best! After gathering all this information together, one can logically compare the different loan options available before making a final decision.


Picking the right neighborhood is essential to a great quality of life. Having all the necessary amenities nearby, such as universities, healthcare facilities, supermarkets, and leisure centers, can make everyday activities much more efficient. Accessibility to public transport and low traffic congestion also allow for an easier connection with other parts of the city - making it an enjoyable experience! When considering your next place of residence, think about how this decision will affect you daily and ensure those needs are met.


No matter where you choose to live, your security should be at the forefront of your considerations. Burglary and other criminal offenses have increased significantly in recent years, making it essential to select a safe neighborhood. Ensure that any contractor or builder includes features such as state-of-the-art surveillance cameras, 24/7 protection services, alarm systems, and smoke detectors – they must prioritize ensuring your safety!

Legal Clearances

Before investing in a home, make sure to review all the necessary NOCs and verify that the Gujarat government approves it. Taking this precautionary measure will ensure you are making an informed decision with your hard-earned money.

How to Apply for Home Loan in Surat?

Here is a step-by-step guide for applying for a housing loan in Surat

Step 1:

Go to the Piramal Finance Home Loan Noida page. Read the features and eligibility criteria, and start the application process.

Step 2:

Click on Apply Now

Step 3:

Fill in the required Personal details such as Name, Contact Number, Birth Year, and Home Loan Amount.

Step 4:

Choose the employment type 'Salaried' OR 'Self-Employed'

Step 5:

Add your monthly income

Step 6:

Select the State and branch (enter the branch by city) and Submit the home loan application form.

Step 7:

Wait for a call from the official representative to move ahead with the processes.

After completing all the steps, like scanning, uploading the required documents, and paying the processing fees, wait until your home loan application is approved.

Wrapping Up

Surat is a beautiful and vibrant city located in the state of Gujarat. With its bustling economy, renowned educational institutions, emerging technology industry, and rich culture - Surat has become one of India’s most popular destinations for homeowners! Not only are there plenty of properties available at attractive prices, but there is also the possibility to avail of tax benefits, low stamp duty charges, and fixed interest rates for any home loan application.

With Piramal Finance’s help, you can realize your dream with our tailor-made offers and features specifically designed for Surat residents. So what are you waiting for? Get in touch with us today!

Nearest Branches of Piramal Finance where you can visit and apply for a home loan in Surat

Ring Road
The Ring Road branch of Piramal Finance is located at B503 & 504 at the International Commerce Centre. If you want to reach here, the best way is to take a bus from the Surat Ring Road Bus Stop to this branch. Loan applicants can easily apply for a home loan in Ring Road and can expect quick disbursal.
The Adajan branch of Piramal Finance is located at No. 203 & 204, Raj Arcade. The right way to reach the branch is to use NH 8. The area has many bus stops and auto rentals available, making it easy for customers to get there quickly. Also, getting a home loan in Adajan is the best option, as they offer competitive interest rates, flexible repayment options, and minimal documentation.

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Frequently asked questions

How is the EMI calculated for a home loan in Surat?
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What is the minimum income requirement to get a home loan in Surat?
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