Pragati Home Loan simplifies the path to homeownership with easy eligibility and minimal paperwork. Our loan offers a seamless financing solution to help you achieve your housing aspirations without hassle.
*Download to get more details about Pragati Home Loan
Get financing between ₹5 lakhs to ₹1.5 crore to meet your home-buying needs.
Choose a repayment plan of up to 30 years for comfortable EMIs.
Finance up to 90% of your property’s market value, reducing upfront costs.
Available for salaried and self-employed individuals, even without ITR.
Simple KYC, income proof, and property papers required for quick processing.
Avail loans against various collaterals with multiple eligibility options.
No hidden charges, ensuring a seamless borrowing experience.
Expert assistance at every step of your loan journey.
Meeting the eligibility requirements ensures a hassle-free loan application process.
Nationality:
Indian citizens
Age:
Minimum 21 years for salaried, 25 years for self-employed; maximum 60 years for salaried, 70 years for self-employed
Income:
Minimum monthly income of ₹7,000 for salaried, annual income of ₹1 lakh for self-employed
Credit Score:
675 & above or NTC (New-to-Credit) applicants eligible.
Minimum 3 years of continuous service
Minimum 3 years in business/profession
Latest 3 months salary slips & bank statements
Last 2 years ITR & financial statements
5 to 15 days
5 to 15 days
Note: Fulfilling the eligibility criteria does not guarantee loan approval. Final approval depends on multiple factors, including credit history and property evaluation.
Owning your dream home is now easier than ever:
Assess your loan qualification based on income, credit score, and property value.
Prepare essential documents, including KYC, address proof, income proof, and property-related papers for a smooth application process
Fill out the online application form with accurate personal and financial details.
Our team will review your submitted documents and may request additional details if required.
Once verification is complete, receive a loan offer detailing the approved amount, interest rate, and terms. Review and accept the offer to proceed.
A thorough assessment of the property will be conducted to ensure it meets lending criteria.
After successful verification and property evaluation, the loan amount will be disbursed as per the agreed terms
Estimated Processing Time: The entire process typically takes 5 to 10 working days, subject to timely document submission and property evaluation
0.25% onwards of the loan amount + applicable GST (may vary as per customer risk profile).
12% p.a. above current applicable interest rate (aggregate not exceeding 24% p.a. + GST).
₹3,000 per month (for delay in submission of Title document, Security perfection documents, Mortgage Deed, Charge creation with MCA, or non-adherence to loan agreement terms).
₹750 per instance.
₹1,000 per month in case of secured loans (for invalid, inactive, or closed/frozen bank accounts).
₹750 per instance per loan account.
As applicable based on actual delayed status or as communicated by the lender from time to time.
₹1,000 per instance.
₹750 per instance.
₹200 per instance.
₹750 per instance.
0.5% of principal outstanding + applicable GST (Change in EMI/tenor as per eligibility norms).
0.25% + GST on principal outstanding (capped at ₹7,500 per instance).
₹500 per instance.
2% of principal outstanding + applicable GST.
As per actual, where applicable.
Wherever applicable, GST @ prescribed rates will be levied on these charges.
Having the necessary documents ready ensures a speedy approval:
KYC – Aadhaar Card, PAN Card, Passport, Voter ID
Address Proof – Utility bills (not older than 3 months), Aadhaar, Rent Agreement, Passport
Identity Proof – PAN Card, Aadhaar, Voter ID
Easily calculate EMIs and check eligibility with our user-friendly tools.
*Note- The calculated interest is an estimate, the final amount will be determined upon approval.
From home financing to business funding, we offer a variety of loan options with flexible terms and a seamless process. Find the right financial solution for you.
Discover surprising benefits and features that make your home loan journey easier and smarter.
Find answers to all your home loan queries in our FAQ section. Learn about eligibility, loan tenures, interest rates, required documents, application process, and more. Simplify your journey to owning your dream home with clear guidance.
A CIBIL score of 675 or above is recommended for easy approval and better loan terms.
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