Fulfill Your Dream Home Ambitions with Deepshikha Finance Home Loan
Deepshikha Home Loan
At Deepshikha Finance, we believe owning a home should not just be a dream. With our tailored home loan solutions, we are committed to helping you turn that dream into a reality. Whether you’re buying your first home, constructing one, or renovating your existing space, our home loans are designed to meet your needs with ease and flexibility.
No Running Between Banks
Goodbye to endless bank visits. With our online process, apply from the comfort of your office or home.
Online Process
A fully digitalized application process that saves you time and spares you the paperwork.
Fast Approval
Get quick approvals for your financing needs and get your dream home.
Easy Repayment Options
Flexible repayment plans that adapt to your business cash flow and financial structure.
Lowest Processing Fee
Our processing fee starts at 1% which is lowest in the industry.
No unnecessary calls
We know unnecessary calls are frustrating. We don’t bother our clients with unnecessary calls.
Home loan eligibility
| Income Criteria | A minimum salary of Rs 25,000 to Rs 30,000 to ensure you can comfortably afford the loan repayments. |
| Age Criteria | Applicants should be between 21 and 70 years old, offering a wide range for both young professionals and seasoned individuals. |
| Loan Tenure | Flexible repayment options with loan tenures of up to 30 years. |
| Nationality | Must be an Indian citizen to apply for a home loan with us. |
| Competitive Interest Rates | Benefit from interest rates starting as low as 5.5%* per annum. |
| Swift Disbursal | With our streamlined process, the funds could be in your account in just 2-7 business days*. |
Home loan processing fee
Processing Fees: 1 – 2.5%, determined by your loan eligibility. Investing in your dream home is a milestone, and Deepshikha Finance is here to make this journey as smooth as possible. Our processing fees, ranging from a minimal 1 to 2.5% based on your loan eligibility, are designed to be light on your finances, ensuring you can focus on what truly matters – making your dream home a reality.
*Terms and Conditions Apply. Interest rate and loan approval are subject to eligibility and creditworthiness. And the disbursal time may vary.
Home Loan Process
1. Submit Your Application:
Get started by filling out our online form and providing the necessary documentation.
2. We Match You:
Our experts will review your profile and match your need with banks that can offer the best rates.
3. Relax, While We Handle the Rest:
We take care of the loan approval process, so you can focus on your day to day life.
Home loan eligibility documents
| Personal KYC | A PAN card for identity verification. |
| Address Proof | Any valid proof of residence, such as a Rent Agreement, Driving License, or Aadhar Card. |
| Income Evidence | Recent salary slips for salaried individuals and financial statements or income tax returns for self-employed applicants. |
| Property Documents | Title deeds of the property and construction approvals. |
| Bank Statements | Last 6 months’ statements to prove financial stability. |
| Employment or Business Stability Proofs | Documents showcasing your stability and continuity in your current employment or business. |
| Co-applicant Documents | Job offer or appointment letter for employee. |
Apply for Your Home Loan Today
Transforming your dream home from a vision to reality is easier than you think with Deepshikha Finance. Our competitive interest rates, flexible eligibility criteria, and customized loan amounts are designed to provide you with the financial support you need. Apply now, and let us help you lay the foundation for your dream home.
Other loan
Land Loan
Frequently Asked Questions (FAQs)
What is a Home Loan?
A home loan is a financing option provided by financial institutions like Deepshikha Finance to help individuals purchase, construct, or renovate a residential property. The loan amount, along with interest, is repaid over a set tenure.
How do I apply for a Home Loan?
Applying for a home loan with Deepshikha Finance is straightforward. You can apply online through our website by filling out the application form and submitting the required documents, or you can visit one of our branches for personal assistance.
What are the eligibility criteria for a Home Loan?
The eligibility criteria for a home loan include a minimum age of 21 years and a maximum of 70 years, a minimum monthly income of Rs 25,000 to Rs 30,000, Indian nationality, and a stable income source. Loan tenure can extend up to 30 years, with the loan amount depending on your eligibility.
What documents are required for a Home Loan?
Required documents for a home loan include KYC documents (Aadhaar card, passport, or driving license), address proof (utility bills or rent agreement), income proof (salary slips, income tax returns, or Form 16), property-related documents (title deeds and construction approvals), bank statements for the last 6 months, and employment proof (job offer or appointment letter). If applicable, co-applicants’ documents for joint loan applications are also required.
What is the processing fee for a Home Loan?
The processing fee for a home loan at Deepshikha Finance ranges from 1 to 2.5%, determined by your loan eligibility. This fee covers the administrative expenses associated with processing your loan application.