Quick, easy & convenient loans

Get loan from Home Credit, even if you do not have a credit history

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

    Any ONE of the below documents

      • Voter ID
      • Passport2
      • Driving Licence2
      • NREGA3 Job Card
      • NPR Letter4
      • Masked Aadhaar
  • PAN Card is compulsory for all loans
  • Expiry of the Passport/Driving License should not be within three months of application
  • Issued by NREGA duly signed by an officer of the State Government
  • Issued by the National Population Register containing details of name & address

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

Eligibility Criteria

Eligibility

  • Applicant should be an Indian Citizen between 18 to 60 years of age
  • Should have a valid ID proof (PAN Card Mandatory) and address proof (Aadhaar Card, Voter ID Card, Driving License, Passport)
  • Should have an active source of income
  • Should have a gap of 90 days between two Home Credit Applications
  • Applicant's 'Monthly Household Income' should be more than ₹25000/-. Household means, an individual family unit consisting of a husband, wife, and their unmarried children
Loan Amount Up to ₹ 75,000
Loan Term Up to 26 months
Minimum advance cash/
Down payment
0% - 40% depending
on commodity price

Fees & Charges

 

Glossary of Fee & Charges

Eligibility

  • Applicant should be an Indian Citizen between 18 to 60 years of age
  • Should have a valid ID proof (PAN Card Mandatory) and address proof (Aadhaar Card, Voter ID Card, Driving License, Passport)
  • Should have an active source of income
  • Should have a gap of 90 days between two Home Credit Applications
  • Applicant's 'Monthly Household Income' should be more than ₹25000/-. Household means, an individual family unit consisting of a husband, wife, and their unmarried children
Loan Amount Up to ₹ 1,00,000
Loan Term Up to 26 months
Minimum advance cash/
Down payment
0% - 40% depending
on commodity price

Fees & Charges

 

Glossary of Fee & Charges

Eligibility

  • Applicant should be an Indian Citizen between 18 to 60 years of age
  • Should have a valid ID proof (PAN Card Mandatory) and address proof (Aadhaar Card, Voter ID Card, Driving License, Passport)
  • Should be salaried or self-employed, with an active source of income
  • Should have an active bank account
  • Applicant's 'Monthly Household Income' should be more than ₹25000/-. Household means, an individual family unit consisting of a husband, wife, and their unmarried children
Loan Amount ₹ 10,000 - ₹ 5,00,000
Loan Term 9 Months - 60 Months
Minimum advance cash/
down payment
NA

Fees & Charges

 

Glossary of Fee & Charges

Eligibility

  • Applicant should be an Indian Citizen between 18 to 60 years of age
  • Should have a valid ID proof (PAN Card Mandatory) and address proof (Aadhaar Card, Voter ID Card, Driving License, Passport)
  • Should be Salaried or Self-employed or Pensioner
  • Should have an active bank account
  • Should have a gap of 90 days between two Home Credit Applications
  • Applicant's 'Monthly Household Income' should be more than ₹25000/-. Household means, an individual family unit consisting of a husband, wife, and their unmarried children

Fees & Charges

 

Glossary of Fee & Charges

Eligibility

  • Applicant should be an Indian Citizen between 18 and 60 years of age
  • Should have a valid ID proof (PAN Card Mandatory) and address proof (Aadhaar Card, Voter ID Card, Driving License, Passport)
  • Should be salaried or self-employed, with an active source of income
  • Should have an active bank account
  • Applicant's 'Monthly Household Income' should be more than ₹25000/-. Household means, an individual family unit consisting of a husband, wife, and their unmarried children

 

Loan Amount ₹10,000 - ₹1,00,000
Loan Term 5 Years (3 years flexible + 2 years fixed)

Fees and Charges

 

Glossary of Fee & Charges

General FAQs

Can a person with no credit history apply for a loan?

Yes, an Indian citizen with an active source of income can avail Home Credit Loans even without a credit history

Can a retired person apply for a loan?
Can an existing Home Credit customer apply for an additional loan?
What is the maximum amount I am eligible to avail?
How can I make part payments against my EMIs?
How do I change my EMI due date?
How do I check the status of the payments I have made?
How many products can I buy in a single transaction?
When would I be levied late payment charges on my loan?
How can I foreclose my loan?
easy loans home credit