Affordable Housing to Make Apna Ghar a Reality
Looking for an affordable home loan in India? We offer housing loans starting at ₹5 lakhs, with interest rates from 9% p.a.* and flexible EMIs up to 30 years. Whether you’re salaried, self-employed, or earning from informal sources, you can apply with minimal documents and quick approvals.
With 200+ branches and 85,000+ happy customers, Grihum specializes in first-time home loans for EWS and LIG families. Customers also benefit from PMAY subsidies up to ₹1.8 Lakhs, balance transfer options, and personalized doorstep service through dedicated relationship managers.
Our focus is on simple processes, transparent pricing, and inclusive eligibility—making homeownership possible for people often overlooked by traditional lenders.
Flexible Repayment Tenure
Minimum Documentation
Fast and Transparent Loan Procedure
Attractive Interest Rates
End-to-End Doorstep Service
Top-Up Loan for Additional Needs
Grihum Housing Finance has simplified Home Loan eligibility criteria to ensure that your dream home is within your reach.
| Salaried Individuals | Self-Employed Individuals | |
| KYC – Identity Proof PAN Card is mandatory, and any one of these |
|
|
| KYC – Address Poof |
|
|
| Income Documents |
|
|
| Experience norms | Minimum 1 Year or more | Minimum 2 Years or more |
| Bank Account Statement | Lastest 6 months’ bank statement | Latest 6/12 months Operative bank account statement |
We offer transparent and competitive interest rates to ensure that homeownership remains within your reach.
Competitive Interest Rates
Foreclosure Charges
Processing Fee
Whether you’re an entrepreneur running a business, or a professional in the public or private sector, we are here to make your dream home a reality.
Apply now and take the first step toward owning your dream home with Grihum Housing Finance!
Apply NowA housing loan is financial help you get from a lender to buy, build, or renovate a home, which you repay in EMIs over time.
The home loan process is simple. Just fill out the form, submit documents, and our team will guide you through every step to apply for a housing loan easily.
Depends on your income and property value. Loans up to a maximum of 50 lakhs are available.
You can expect loan sanction within 3-7 working days, subject to document completion.
You can use our free home loan EMI calculator to estimate your monthly payments based on loan amount, tenure, and interest rate.
Not mandatory, but it helps improve loan eligibility.
We specialize in lending to customers with informal incomes. Alternate income assessment is done by our field teams.
Yes. We help eligible customers apply for the Interest Subsidy Scheme (ISS) under PMAY-Urban 2.0.
A score above 680 improves your chances, but we also evaluate based on other home loan eligibility criteria.
Your home loan or housing loan EMI usually begins one month after the full disbursement of your loan amount.
Union Budget announcements often reshape the financial decisions of people wanting to own a home...
Read More >>
Union Budget 2026 has brought some new questions for people thinking about housing. The decision between renting and home purchasing now stands as their main dilemma...
Read More >>
Homebuyers start to evaluate their upcoming borrowing expenses and subsequent monthly payment obligations after the annual Union Budget announcement...
Read More >>
The Union Budget announcements create an impact on residential housing planning decisions, which specifically affect homes that are being constructed...
Read More >>
The Union Budget announcements often have an impact on how people in India go about purchasing a home and how they plan their loan repayments...
Read More >>
The Real Estate (Regulation and Development) Act, commonly known as RERA, was introduced to bring transparency, accountability, and efficiency to India’s real estate sector...
Read More >>
When lenders evaluate a borrower’s creditworthiness, one of the most critical indicators they assess is repayment behaviour...
Read More >>
Stamp duty and registration charges are mandatory statutory payments applicable to all property transactions in Haryana...
Read More >>
Stamp duty and registration charges are statutory costs that apply to every property transaction in Karnataka...
Read More >>
Stamp duty and registration charges are mandatory statutory payments applicable to all property transactions in Gujarat...
Read More >>
Stamp duty and registration charges are statutory and compulsory fees levied on every transaction of property in the State of Rajasthan..
Read More >>
Stamp duty and registration charges are mandatory government fees applicable to all property transactions in Punjab.
Read More >>
Stamp duty in Andhra Pradesh is one of the most critical cost components when you buy, transfer, or register a property.
Read More >>
Indiramma Illu Housing Scheme is one of the major welfare initiatives put forward by the Telangana government, aimed at providing permanent housing assistance to economically weaker households.
Read More >>
Bigha and Gaj are two of the most commonly used land measurement units across North India. While Bigha is traditionally a non-standardized unit, different in each state, Gaj is a standardized, widely accepted unit used quite frequently for residential plots and pieces of land within urban areas.
Read More >>
Buying a home is one of the most rewarding financial decisions you can make. However, beyond the property’s price and home loan considerations, buyers in Delhi must account for stamp duty and registration charges—mandatory costs that legally validate property ownership.
Read More >>
Purchasing property in Tamil Nadu has a number of inevitable financial steps involved, with stamp duty and registration fees being some of the most imperative.
Read More >>
Buying a property in Telangana involves various financial responsibilities, of which registration fees and stamp duty are a must.
Read More >>
Buying or transferring property in Madhya Pradesh is accompanied by some obligatory expenses, primarily stamp duty and registration fees.
Read More >>
Purchasing property in Uttar Pradesh entails more than simply concluding the sale deed and transferring the money to the vendor.
Read More >>
Purchasing property in Maharashtra involves more than just paying the market price. Buyers must consider stamp duty and registration charges, which are essential for the legal validation of ownership.
Read More >>
Maharashtra Housing and Area Development Authority (MHADA) has introduced the Pune Lottery 2025, which is an excellent opportunity for all individuals residing in Pune and the surrounding areas to purchase affordable apartments.
Read More >>
The Rajiv Gandhi Rural Housing Corporation Limited (RGRHCL) 2025 is one of the flagship schemes of the Karnataka State government for offering economically weaker sections
Read More >>
In a huge initiative to address Delhi's housing problem, the Delhi Development Authority (DDA) has launched the Jan Sadharan Awaas Yojana 2025
Read More >>
The Tamil Nadu Housing Board (TNHB) is a state government agency that constructs affordable housing for people throughout Tamil Nadu.
Read More >>
The Bangla Awas Yojana (BAY) 2025 is a Government of West Bengal flagship housing program that focuses on providing low-cost housing to economically weaker sections of families living in both rural and urban regions
Read More >>
Uttar Pradesh Awas Vikas Parishad (UP Awas Vikas) or the UP Housing and Development Board is one of the significant bodies for providing affordable housing throughout the state.
Read More >>
Basava Vasati Yojana is an affordable housing scheme of the Government of Karnataka, implemented by Rajiv Gandhi Rural Housing Corporation Limited (RGRHCL).
Read More >>
HUDA Affordable Housing Scheme, operated by Haryana Shehri Vikas Pradhikaran (HSVP) under TCP Haryana, provides first-time buyers with planned and transparent housing at Gurugram.
Read More >>
The EPF is a compulsory retirement savings plan for salaried Indian employees. The EPFO regulates it and assists employees in creating a financial safety net over a long period of time.
Read More >>
Buying a house is one of the biggest accomplishments in life. For many families, it is also an investment of a lifetime.
Read More >>
Homeownership is a milestone in life, especially for families living in rural India.To make this dream a reality, the Government of India launched the Pradhan Mantri Awas Yojana – Gramin (PMAY-G) initiative.
Read More >>
The MHADA Konkan Lottery 2025 is arguably the most eagerly awaited low-cost housing program in Maharashtra.
Read More >>
Delhi Development Authority (DDA) is a major institution that provides economic housing facilities to people living in the capital city.
Read More >>
Learn how home loan interest rates work, factors that influence them, and smart tips to secure the lowest rate for your home loan in India.
Read More >>
Understanding the income from house property is vital to all property holders. According to the
Read More >>
When you apply for a home loan, lenders consider your income, credit score, and repayment
Read More >>
OCR in home loan: Know what it is, why banks ask for it before disbursing funds, and how to ensure a smooth and timely loan process.
Read More >>
With a resounding vision of "Majhe Ghar, Majha Adhikar" (My Home, My Right), the Maharashtra State Housing
Read More >>
Loans are financial tools that help individuals achieve goals such as buying a home, funding
Read More >>
House tax, or property tax, is the tax imposed by the government on owning a piece of property
Read More >>
Availing a home loan is one of the most significant monetary decisions of your life.
Read More >>
Home ownership has always been a dream for many. However, rising real estate prices and loan repayment burdens have made this dream seem distant.
Read More >>
- 7030445445
