Home Loan

Flexible Home Financing with Instant Approvals

  • Quick sanction
  • Zero-touch loan
  • Easy customer support
  • Loan-to-value of up to 90%

Apply Now

Home Loan – Finance Your Dream Home with Ease

Owning a home becomes simpler when you choose a home loan designed for convenience and affordability. With the option to apply for a home loan online, borrowers can enjoy a smooth digital experience, quick approvals, and minimal documentation. Competitive interest rates, flexible repayment choices, and a transparent process ensure you can plan your purchase with confidence. Whether you're buying your first home or looking to upgrade, this home loan offers a fast, hassle-free way to move into a space you truly own.

Higher loan amount up to

₹ 10 crore

Home loan amount banner

Interest rates starting from

7.65% p.a.

Interest rates banner

High loan-to-value up to

90%

Home loan-to-value banner

High loan tenure up to

30 years

Home loan tenure banner
style
global-title-top-padding, global-top-padding-tab, font-style
animation
true
Animation-threshold
0.2

Features & Benefits of Home Loan

style
Padding-v1, global-title-component-padding, global-top-padding-tab
timing
2
teaser-target-id
homepage-carousel-secondary
style
Hero-carousel-secondary
summary
*Loans offered/financed by Godrej Housing Finance - T&Cs apply
pagination
true
progressbar
false

Design Your EMI

Customise your monthly payments and choose to pay interest-only for select period.

Start your homeownership journey without digging a hole in your pocket. Whether your dream house is under construction or a ready-to-move-in property, we have flexible repayment solutions designed to match your financial goals.

  • Pay interest-only for up to 12 months for ready-to-move-in properties
  • Pay interest-only for up to 48 months for under-construction properties
  • Ensure your chosen interest payment meets minimum and maximum thresholds

Apply Now
Know More

mobile-alignment
center
desktop-text-alignment
left
desktop-text-placement
left
type
carousel-v1
hide-button
primary
hide-button
secondary
teaser-target-id
homepage-carousel-secondary
Text-color
white

Parallel Funding

Pay upfront costs into smaller affordable portions.

Get closer to your dream of homeownership with a parallel funding option, making your perfect abode more attainable than ever.

  • Reduce the stress of upfront payment by sharing the load with us
  • Split your down payment contribution into affordable portions under various construction stages
  • Only applicable for under-construction properties

Apply Now
Know More

mobile-alignment
center
desktop-text-alignment
left
desktop-text-placement
left
type
carousel-v1
hide-button
primary
hide-button
secondary
teaser-target-id
homepage-carousel-secondary
Text-color
white
timing
100
teaser-target-id
homepage-carousel-secondary
style
Hero-carousel-secondary, term-condition-padding, know-more-color, rebrand-sec
summary
*Loans offered/financed by Godrej Housing Finance - T&Cs apply
pagination
True
progessbar
True
Own your dream home with attractive interest rates
Apply Now

Home Loan EMI & Eligibility Calculator

style
global-title-top-padding, calculater-heading, home-cal-heading
loan-amount-title
Loan Amount
loan-amount-min-value
2000000
loan-amount-max-value
100000000
Interest-rate-title
Interest Rate
loan-amount-step
25000
Interest-rate-min-value
7
Interest-rate-max-value
11
tenure-title-year
Loan Tenure (Year)
tenure-min-year-value
1
tenure-max-year-value
30
tenure-title-months
Loan Tenure (Months)
tenure-min-month-value
0
tenure-max-month-value
11
tab-title
EMI Calculator
calculator-id
homepage-calculator
style
Cal,no-padding,home-emi
Principal-amount-label
Principal Amount
Monthly-emi-label
Your Monthly EMI
Monthly-emi-label-mobile
Your Monthly EMI
Interest-payable-label
Interest Payable
Total-amount-payable-label
Total Amount Payable
Interest-rate-label
Interest Rate @
Total-tenure-label
Total Tenure
Apply-now-label
Apply Now
redirection-path-emi
/apply-now?target=applynowform-container&category=home_loan&gtm=homeloan_emicalculator_applynow
Rupee-symbol-english
INR
Percent-symbol
%
Year-span-label
Yrs.
Month-span-label
Mos.
Year-input-min-label
Year
Year-input-max-label
Years
Month-input-min-label
Month
Month-input-max-label
Months
Chart-year-symbol
Y
Chart-month-symbol
M
Chart-month-year-separator
|
Error-message-loan
Please enter value within range.
Error-message-interest
Please enter value within range.
Error-message-year
Please enter value within range.
Error-message-month
Please enter value within range.
income-title
Net Monthly Income
income-min-value
50000
income-max-value
2500000
existing-emi-title
Existing EMIs
existing-emi-min
0
Income-amount-step
25000
existing-emi-step
25000
existing-emi-max
1500000
interest-rate-title
Interest Rate
Loan-interest-rate-min-value
6
Loan-interest-rate-max-value
15
tenure-title-year
Loan Tenure (Year)
Loan-tenure-min-year-value
1
Loan-tenure-max-year-value
30
tenure-title-months
Loan Tenure (Months)
Loan-tenure-min-month-value
0
Loan-tenure-max-month-value
11
product-list

Home Loan

Plot Loan

Property Loan

redirection-path
/apply-now?category=home_loan&gtm=homeloan_eligibilitycalculator_applynow&target=applynowform-container
redirection-path-mobile
/apply-now?category=home_loan&gtm=homeloan_eligibilitycalculator_applynow&target=applynowform-container
select-product-place-holder
Select Product
font-size
18
Select-product-label
Select The Product You Are Interested In?
Interest-rate-label
Interest Rate @
Total-tenure-label
Total Tenure
Year-label
Y
Month-label
M
Tenure-separator
|
Principal-amount-label
Principal Amount
Interest-payable-label
Interest Payable
Loan-eligibility-label
Your Loan Eligibility Amount:
Total-amount-label
Total Amount Payable
Monthly-emi-label
Your Monthly EMI
Monthly-emi-label-mobile
Monthly EMI
Mobile-year
Years
Mobile-month
Months
Apply-now-button
Apply Now
Loan-Rupee-symbol-english
INR
Percent-symbol
%
Year-span-label
Yrs.
Month-span-label
Mos.
Year-input-min-label
Year
Year-input-max-label
Years
Month-input-min-label
Month
Month-input-max-label
Months
Error-message-loan
Please enter value within range.
Error-message-existing-emi
Please enter value within range.
Error-message-interest
Please enter value within range.
Error-message-year
Please enter value within range.
Error-message-month
Please enter value within range.
Tab-title
Loan Eligibility Calculator
Calculator-id
Homepage-calculator
Style
Cal , hide-dropdown, home-eligibility

Home Loan Interest Rates & Documents Required

Interest Rates

Low Home Loan interest rates make owning your dream home more affordable than ever - lesser EMIs, more savings!

Indian Resident Salaried

7.65%

per annum onwards*

Non-Resident Indian Salaried

7.65%

per annum onwards*

Business Self-Employed

7.90%

per annum onwards*

Professional Self-Employed

7.90%

per annum onwards*

queryIndexUrl
/interest_rate_document/query-index.json
interestRateTitle
With low interest rates, your journey to homeownership is more affordable than ever. Enjoy instant home loan approvals, flexible repayment options and complete transparency with no hidden charges just smarter borrowing that helps you save more.
viewCompleteLabel
View Complete List of Documents
viewCompleteLabelRedirection
https://godrejhf.com/ghf/information-and-policies?target=accordion.active&category=customer_information&show=Identity_And_Address_Proof_Documents&open_in_new_tab=true
disclaimer
*Disclaimer: All contents mentioned on this page, including documents, eligibility may vary for each borrower and are subject to the lender's discretion. The content is subject to change without prior notice.
style
global-padding , global-padding-tab
pagename
home-loans
quesansurl
/support/faq-ques-ans-sheet.json
desktopTitle

Frequently Asked Questions

cannotfindlabel
Can’t find what you are looking for?
viewallbuttonlabel
View All
viewallbuttonredirection
/support/faqs?category=home_loan
faqqMobileTitle
Frequently Asked Questions
productPageName
Home Loan
style
global-padding , global-padding-tab, lap-document
viewAllRedirectionIcon

Get access to 13+ partners to build,

plan and grow your business

Register Now

style
global-padding, global-bottom-padding-tab
testimonial

Stories in Focus - Blogs

style
Global-top-padding-mobile

/about-us/blogs/home-loan/a-complete-guide-to-home-loan-management

/about-us/blogs/home-loan/home-loan-tax-benefits-for-women

/about-us/blogs/home-loan/is-itr-for-home-loan-required

/about-us/blogs/home-loan/thinking-of-home-loan-balance-transfer

/about-us/blogs/home-loan/loans-for-same-gender-partners

read-more-label
Read More
Not-found-msg
Sorry, couldn’t find what you’re looking for.
style
global-padding ,global-bottom-padding-tab

Connect with Our Customer Support Team

false

Customer Support

true
Guroo Chatbot
false
WhatsApp Chat
false
Customer Portal Login
false
022-68815555
false
Email Support
false
Customer Care
true
Send an Email
true
ⓘ Need more information or answers to your questions? Check out FAQs
false
style
global-bottom-padding, mobile-last-padding, global-bottom-padding-mobile, tab-last-padding
WhatsApp Support
Quick Apply
style
Quick-tools-component
type
FAQPage
Question-1

What is a Home Loan?

Answer-1

A home loan is a financial product provided by lending institutions that allow individuals to borrow money to purchase a house.

The borrower agrees to pay back the loan over a set period, typically up to 30 years, through monthly payments that include both principal and interest.

Question-2

What are various types of Home Loans?

Answer-2

There are different types of home loans available in the market. However, at Godrej Capital, we provide:

Home loans for ready-to-move-in, under-construction, and resale homes

Balance transfer (shifting of loans from a different financier to Godrej Capital, resulting in savings for the customers)

Top-up on existing home loans for renovation or home improvement

Plot loan to purchase a land or a plot

Question-3

What home loan variants are offered by Godrej Capital?

Answer-3

Godrej Capital offers several home loan variants to meet your needs:

Home Loans for Ready-to-Move-In, Under-Construction, and Resale Homes#: Financing options for purchasing new homes, homes under construction, or pre-owned homes.

Balance Transfer#: Shift your existing home loan from another financier to Godrej Capital to take advantage of potential savings.

Top-Up Loans#: Additional funding on your existing home loan for renovation or home improvement projects.

Loans for Land/Plot Purchase#: Financial assistance for purchasing residential land or plots.

These options provide flexibility and tailored solutions for various home financing needs.

Question-4

What is an Under Construction Property?

Answer-4
An under-construction property refers to a housing unit that is undergoing the process of construction. Such properties are usually sold by the developer before they are entirely built but are handed over only post-completion.
Question-5

What is Design Your EMI?

Answer-5
Design Your EMI is a flexible repayment facility that allows borrowers to tailor their EMI schedules. This offers flexibility in repayment amounts according to their financial needs based on various variants available.
https://www.godrejcapital.com/applynowformbottom/applynowformbottom.json
Apply for a Home Loan
style
from-metadata-section ,global-bottom-padding-tab
outSource
GodrejCapitalWebsite
mx_Refferal_Type
google, bing, yahoo, duckduckgo, baidu,
termsandconditionsurl
/other-page/terms-and-condition?open_in_new_tab=true
TermsAndConditionsLabel
Terms & Conditions
thankuPageUrl
/apply-now-form/thankyou
editNumberLabelMobileAndTablet
Edit
authkey
0xy6fLPHQ0WfX59VKaAZGI54b2S38077
generateOtpApiUrl
https://h9qipagt5.godrejfinance.com/v1/ehf/outsources/generateotp
validateOtpApiUrl
https://h9qipagt5.godrejfinance.com/api/v1/shared/aemvalidateotp
nameValidationErrorMessage
Please enter a valid name
emailValidationErrorMessage
Please enter a valid email address
mobileValidationErrorMessage
Please enter a valid mobile number
wrongOtpValidationErrorMessage
Please Enter Valid OTP
loanTypevalidationErrorMessage
Please select at least one loan type
emptyOtpFieldValidationMessage
Please enter 4-digit OTP number
nameLengthError
Name length should be less then 50 characters
emailLengthError
Email length should be less then 254 characters
networkErrorLabel
Network Error Occurred
checkboxvalidationerrormessage
Please select checkbox
thankyouMessageTime
3000
Thank you for your valuable feedback