Home Loan offerings by Piramal Capital & Housing Finance Ltd. (Piramal Finance)

Key Features

Loan amount

₹ 5 Lakhs - 2 Crore

Loan tenure up to

30 years

Interest rates starting at

9.50%* p.a

For detailed fees and chargesClick here *T&C apply

Who Can Apply?

The eligibility criteria mainly depends on your employment. Choose the employment type and check your eligibility.

Calculate EMI & Check eligibility
  • EMI Calculator

  • Eligibility Calculator

Your home loan EMI is
Principal amount
Interest amount

Documents Required

For a House construction loan, we require certain documents based on the profession/occupation of the applicant.

KYC Documents

Proof of Identity & Address

Income Documents

Proof of Income

Property Documents

Land & property related documents


Passport Size photographs


Whatsapp me this document list

Fees & Charges for Home Loan

Features & FeesDetails
Interest Rates9.50%* p.a. onwards
Loan Amount₹ 5,00,000 to ₹ 2,00,00,000
Processing FeesUpto 5% of loan amount + applicable taxes
Loan TenureUpto 30 years
Part Pre-Payment of Business LoanFixed rate HL: 2% of principal of loan being prepaid + Applicable taxes
- NHL for business purpose (indiv): 4% of principal of loan being prepaid + Applicable taxes
- NHL by non-individual: 4% of price of loan being prepaid + Applicable taxes
Home Loan Pre-Closure ChargesFixed rate HL: 2% of principal of loan being prepaid + Applicable taxes
- NHL for business purpose (individual): 4% of principal of loan being prepaid + Applicable taxes
- NHL by non-individual: 4% of principal of loan being prepaid + Applicable taxes
Stamp DutyAt actuals + Applicable taxes
Cash/ Overdue EMI/ PEMII collection Charges₹ 500 + applicable taxes
Loan Repayment Instrument Dishonor Charges₹ 750
Loan cancellation after disbursal/ cheque handover₹ 5,000 + Interest accured & due + Applicable taxes

Our Happy Customers

I applied for the Gruh Sethu home loan plan, which got approved for 29 years of tenure, which is what I needed. My family and I are so excited and happy to be moving into our new home soon.

Rajendra Rupchand Rajput

Advantages Of Home Loan By Piramal Finance

Easy Procedures

When you want to apply for a home loan from Piramal Finance, you only need to fill out the application form and submit the listed documents. Shortly, a relationship manager will get in touch with you and start the procedure as per your convenience. The option of an online home loan application makes the process quicker and simpler.

Tax Benefits

Another major benefit that you can avail of when seeking a home loan is tax benefits. Under Section 80C of the Income Tax Act, 1961, you can claim up to INR 1.5 lakhs on the principal amount, registration cost and the stamp duty charges of the housing loan.

In the case of a joint home loan, each borrower (provided they are also the co-owner of the property) can claim up to INR 1.5 lakhs in an annual year.

Flexibility Of Repayment

Several options are available when it comes to creating a home loan plan that suits your requirements. Our loan plans are designed to be flexible in the tenure, prepayment, and foreclosure terms.

Home Loan EMI That Fits Your Pocket

To make paying your home loan all the more convenient, we also offer you the choice to opt for a floating or a fixed interest rate when you opt for a home loan. With a loan up to 90% of the purchase price, you stand so much closer to turning your dream into a reality.

Loans For All

For salaried as well as self-employed individuals, Piramal Finance offers the best deals possible when it comes to home loans.

Minimum Documentation

To further ensure an easy and hassle-free process of a home loan application, Piramal Finance requires minimal documentation.

Frequently asked questions

How can I get an estimate of the home loan amount?
piramal faqs

Are there any tax benefits on the home loan?
piramal faqs

Can I get a home loan for the entire amount?
piramal faqs

What are the maximum home loan tenure and loan amount offered by Piramal Finance?
piramal faqs

What is a home loan & how does the home loan work?
piramal faqs

How often do home loan interest rates change?
piramal faqs

Are there any advantages of taking a home loan from Piramal Finance?
piramal faqs

How to Apply for a Home Loan at Piramal Finance?
piramal faqs

Get quick approvals for home loan in Metro Cities

Avail Piramal Finance quality service and housing loan instantly in the top commercial and metropolitan cities of India to buy the home of your dreams.