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Home Loans

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Home Loan
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Home Improvement Loans/

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Eligibility Documents
Salaried Self Employed Professional Self Employed Non-Professional NRI
  • Application form with photograph duly signed
  • Identity, residence and age proof
  • Last 6 months bank statements
  • Last 3 months Salary-slips
  • Processing fee cheque
  • Form 16 / Income Tax Returns
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  • Duly filled application form with photograph
  • Age proof (PAN card or passport or any other certificate from statutory authority)
  • Residence proof (Passport or driving license or telephone bill or ration card or election card or aadhaar card)
  • Education qualifications – certificate
  • Certificate & proof of business existence along with business profile
  • Last 3 years Income Tax Returns (self and business) with profit & loss account & balance sheets duly certified/audited by a Chartered Accountant
  • Last 12 months bank account statements (self & business)
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  • Duly filled application form with photograph
  • Age proof (PAN card or passport or any other certificate from statutory authority)
  • Residence proof (Passport or driving license or telephone bill or ration card or election card or aadhaar card)
  • Certificate & proof of business existence along with business profile
  • Last 3 years Income Tax Returns (self and business) with profit & loss account & balance sheets duly certified/audited by a Chartered Accountant
  • Last 12 months bank account statements (self & business)
View Details
  • Duly filled application form with photograph
  • Age proof (PAN card or passport or any other certificate from statutory authority)
  • Residence proof (Passport or driving license or telephone bill or ration card or election card)
  • Education qualifications – certificate
  • Last 3 months salary statements
  • Form 16 for last 2 years
  • Last 6 months bank statements (salary account)
  • Credit Report
View Details
FAQs

Availing a home loan from Capital India Home loans is simple. Here is the 4-step process:

  • Step 1: Submit your duly filled loan application form along with the required set of documents.
  • Step 2: Your application would be appraised based on our policies and the pre-approval will be communicated to you.
  • Step 3: Property related checks pertaining to the value and title of the collateral will be carried out through a Capital India Home Loans empanelled agency.
  • Step 4: The loan will be disbursed on submission of original property documents along with duly signed loan agreements and other required documents.

Your home loan is repaid through Equated Monthly Instalments (EMI), which includes the principal and the interest component. EMI repayment starts from the month, after the month of final disbursement. Pre-EMI Interest is the simple interest, payable every month till the loan amount is not fully disbursed. You also have an option to start the EMI payments before the final disbursement of the home loan.

Yes, you can avail re-finance at the applicable home loan rate within 6 months from the date of property purchase.

Keeping our customer’s convenience in consideration, the EMI can be kept constant while the remaining loan tenure is adjusted. In an exceptional situations, the EMI may be changed to support the principal repayment, within a time frame.

Yes, you can prepay your home loan. For applicable loan pre-payment fees, please check your Capital India Home Loan sanction letter for the terms & conditions and schedule of charges.

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Disclaimer

It has been brought to our notice that certain unscrupulous persons, agencies, firms or companies are issuing fake sanction letters to customers purporting to be a loan sanction letter from Capital India Home Loans Limited (“CIHL”) or any of its group entities and such persons, agencies, firms or companies are attempting to extort money by demanding upfront or advance payments towards fees, charges, cash, fixed deposit, demand drafts, etc., from vulnerable customers for processing the required loan. This disclaimer is to caution the general public against such fraudulent practices.

We hereby inform you that CIHL, its group entities or any of their authorized representatives will never: (i) ask for any upfront or advance payments like fees, charges, cash, fixed deposit, demand drafts, etc., for any reason whatsoever; (ii) offer any lucrative deals, gifts, vouchers, etc.; or (iii) send e-mails, SMSs or make phone calls asking for any confidential or sensitive information like login ID or username, transaction password, one time password (OTP), bank account details, card details, grid card values, CVV and / or any personal information such as name, date of birth, mother’s maiden name, identity proof, income details, etc. If you receive any e-mail, SMS and / or phone call asking for any advance payments like fees, charges, upfront cash, fixed deposit, demand drafts, etc., or requesting for any confidential, sensitive or personal information, you are advised to not respond to such e-mail, SMS and / or phone call. Making any such advance payment or sharing of any confidential, sensitive or personal information may result in fraud and loss.

CIHL or its group entities shall not be liable for any kind of loss incurred or damage suffered as a result of any person (including but not limited to an individual, firm, company, trust or society) dealing with such unscrupulous persons, agencies, firms or companies or relying on or responding to such e-mail, SMS and / or phone call.

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Products

Home Loans Home Improvement Loans Home Extension Loans Loan against Property Home Loan Balance Transfer Personal/Consumer Loans
Registered Office

701, 7th Floor, Aggarwal Corporate Tower,
Plot No. 23, District Centre,
Rajendra Place,
New Delhi – 110008
Tel: +91 11 69146000
CIN: U65990DL2017PLC322041
IRDAI Registration Code for Corporate Agent: CA0688

Corporate Office

Level - 20, Birla Aurora,
Dr. Annie Besant Road,
Worli, Mumbai – 400030

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