Buy a home
Purchase a ready or under-construction house, flat or plot in Jalandhar and nearby towns.
Home & Property Loan
A loan built around the place you call yours.
Buy, build, renovate or borrow against property — arranged from our Jalandhar office with tenures that keep the monthly outgo comfortable and every charge explained upfront.
- Longer tenures
- Loan against property
- Balance transfer
What we finance
Four ways property can work for you
Build or renovate
Construct on your own plot, add a floor, or upgrade an ageing house room by room.
Loan against property
Unlock the value of a house, shop or commercial space for business or family needs.
Balance transfer
Move an existing property loan to us and restructure the EMI to something more comfortable.
Features & benefits
Big decisions, kept simple
Longer, easier tenures
Spread repayment over a longer period so a large loan still leaves room in the monthly budget.
Higher loan amounts
Property-backed lending means a bigger sanction than an unsecured loan of the same profile.
Paperwork we handle with you
Title papers and valuations can feel heavy — our team sits with you and works through the list.
Practical eligibility
Salaried, self-employed or shop owner — we look at real income, not just a printed salary slip.
Transparent charges
Processing fee, valuation and every other cost explained before you sign anything.
Prepay when you can
Part-prepay from a good year or bonus and bring the tenure or EMI down.
How it works
From first visit to disbursal
- 01
Share your plan
Tell us the property, the amount you need and what you can pay each month.
- 02
Check the EMI
Use the calculator below to see how tenure changes the monthly figure.
- 03
Documents & valuation
We collect KYC, income and title papers, then arrange the property assessment.
- 04
Sanction & disbursal
On approval we walk through the terms in plain language and release the funds.
Plan ahead
Calculate your EMI
Property loans run for years — try a few tenures below to see what keeps the monthly payment comfortable.
Your monthly EMI
₹5,274
- Loan amount
- ₹1,50,000
- Total interest
- ₹39,848
- Total payable
- ₹1,89,848
Eligibility & documents
What you need to bring
Application form
Personal, income and property details — filled in with our help if needed.
Identity & address proof
Aadhaar, PAN, voter ID, passport or driving licence.
Income proof
Salary slips, bank statements, ITR or business income records.
Property papers
Sale deed, registry, mutation, approved map or builder agreement as applicable.
Tax & utility receipts
Latest property tax receipt and a recent electricity or water bill.
Co-applicant details
Co-owners of the property usually join as co-applicants.
Frequently asked questions
Questions from customers
What kinds of property can be financed?+
Residential houses, flats and plots, plus shops and commercial spaces with clear, marketable title in Jalandhar and surrounding areas of Punjab.
Can I get a loan against a property I already own?+
Yes. A loan against property lets you borrow against a house, shop or commercial unit you own, for business expansion, education, medical or other genuine needs.
How much can I borrow?+
The sanction depends on the property's assessed value, your income and repayment capacity, and the existing loans on the property. We give you a realistic figure before you spend on paperwork.
Do you accept self-employed applicants?+
Yes. Shopkeepers, traders and self-employed professionals are welcome. Bank statements, ITR or consistent business records help us assess income.
Can I transfer my existing home loan to you?+
Yes. Bring your current sanction letter and repayment record and we will look at a balance transfer with terms that suit you better.
How long does the process take?+
Property loans need title checks and a valuation, so they take longer than a vehicle loan — usually a few working days once all papers are with us.
Let's talk about your property plan
Bring your papers — or just your questions. Our Jalandhar team will tell you where you stand before you commit to anything.