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Quick, easy & convenient loans

Quick, Easy & Convenient Loans

Only 2 Documents Required

  • Any <font color='red'>ONE</font> of the below documents

    PAN Card is compulsory for all loans

      • PAN Card1
        Or 
        Form No. 602
       
  • Any <font color='red'>ONE</font> of the below documents

    Any ONE of the below documents

      • Voter ID
      • Passport3
      • Driving Licence3
      • Masked Aadhaar
  • PAN Card is compulsory for all loans (except two wheeler loans)
  • If the Customer doesn’t have the PAN, the Customer needs to provide Form No. 60 (as per Income Tax Rules, 1962, as amended from time to time) (applicable only for two wheeler loans)
  • Expiry of the Passport/Driving License should not be within three months of application

In certain cases, additional income proofs/documents may be required. 

Eligibility Criteria

Eligibility

The applicant must meet the following criteria:

  • Be an Indian citizen aged between 18 and 60 years.
  • Have valid ID proof and current address proof.
  • Be employed, self-employed, or a pensioner.
  • Maintain an active bank account.
  • Ensure a minimum gap of 90 days between two Home Credit loan applications.
  • Have a monthly household income exceeding ₹25,000. For this purpose, ""household"" refers to a single family unit consisting of a husband, wife, and their unmarried children.
     

Loan Amount

Up to ₹ 75,000

Loan Term

Up to 13 months

Minimum advance cash/
down payment

0% - 33% depending
on commodity price

Fees & Charges

 

Glossary of Fee & Charges

Eligibility

The applicant must meet the following criteria:

  • Be an Indian citizen aged between 18 and 60 years.
  • Have valid ID proof and current address proof.
  • Be employed, self-employed, or a pensioner.
  • Maintain an active bank account.
  • Ensure a minimum gap of 90 days between two Home Credit loan applications.
  • Have a monthly household income exceeding ₹25,000. For this purpose, ""household"" refers to a single family unit consisting of a husband, wife, and their unmarried children.
     

Loan Amount

Up to ₹ 75,000

Loan Term

Up to 13 months

Minimum advance cash/
Down payment

0% - 33% depending
on commodity price

Fees & Charges

 

Glossary of Fee & Charges

Eligibility

The applicant must meet the following criteria:

  • Be an Indian citizen over 21 and up to 60 years of age.
  • Have valid ID proof and current address proof.
  • Be employed, self-employed, or a pensioner.
  • Maintain an active bank account.
  • Ensure a minimum gap of 90 days between two Home Credit loan applications.
  • Have a monthly household income exceeding ₹25,000. For this purpose, ""household"" refers to a single family unit consisting of a husband, wife, and their unmarried children.
  • Be an existing Home Credit customer and must have previously availed at least one of the following products: Ujjwal EMI Card, Consumer Durable Loan, Instant Personal Loan, or Flexible Personal Loan.
     

Loan Amount

₹10,000 - ₹4,80,000

Loan Term

12 Months - 60 Months

Minimum advance cash/
down payment

NA

Fees & Charges

 

Glossary of Fee & Charges

Eligibility

The applicant must meet the following criteria:

  • Be an Indian citizen aged between 21 and 58 years.
  • Have valid ID proof and current address proof.
  • Be Salaried, self-employed, House wife and pensioner
  • Maintain an active bank account.
  • Ensure a minimum gap of 90 days between two Home Credit loan applications.

Fees & Charges
Eligibility

The applicant must meet the following criteria: 

  • Be an Indian citizen with a minimum age of 23 years
  • Have a valid ID and address proof
  • Be a Salaried Individual/Self-employed Professional/Self-employed Individual (Proprietorship / Partnership / Pvt Ltd Companies etc.)
  • Maintain an active bank account
  • Property Documents/Ownership should be in the name of the applicant or Co-applicant

Fees & Charges
Eligibility

The applicant must meet the following criteria:

  • Be an Indian citizen aged between 18 and 60 years.
  • Have valid ID proof and current address proof.
  • Be employed, self-employed, or a pensioner.
  • Maintain an active bank account.
  • Ensure a minimum gap of 90 days between two Home Credit loan applications.
  • Have a monthly household income exceeding ₹25,000. For this purpose, ""household"" refers to a single family unit consisting of a husband, wife, and their unmarried children.
     

Fees & Charges

 

Glossary of Fee & Charges

Approach for gradation of Risk

The above information on interest rates provides a range of standard interest rates for the loan product. However, the Company may offer different interest rates to different customers based on the loan amount, tenor, down payment, payment history, credit score provided by credit information companies, the customer’s age and income, the type of documents provided by the customer, and any other information required for the purpose of credit evaluation. Further, in certain schemes, a discount or subvention may be offered in collaboration with partner entities, leading to an effective interest rate of 0% for the customer.

Frequently Asked Questions

Frequently Asked Questions

To get answers to the frequently asked queries, please check out our FAQs section here.

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