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Loan Services

Home Loan

Buy, build, extend or renovate your dream home with EMIs that fit your budget.

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Key Features

Why Choose Our Home Loan?

Loan up to 90% of property value

Tenure up to 30 years

Interest rates starting 8.45% p.a.

Balance transfer & top-up available

Eligibility Criteria

Who Can Apply?

Age 23–65 years (at loan maturity)

Stable salaried or self-employed income

CIBIL score of 700 or above

Clear and marketable property title

Documents Required

What You'll Need

Identity & address proof
Income proof (salary slips / ITR)
Property documents (sale deed, title papers)
Bank statements (last 6 months)
Passport-size photographs
Pricing

Interest Rates & Charges

Indicative rates — your final rate depends on profile, lender and loan amount.

ParameterDetails
Up to ₹75 Lakh8.45% p.a. onwards
₹75 Lakh – ₹1.5 Crore8.65% p.a. onwards
Above ₹1.5 Crore8.85% p.a. onwards
Processing FeeUp to 0.5% of loan amount
Benefits

What You Gain With TOPS CAPITAL

Tax benefits under Section 80C & 24(b)

Doorstep document pickup

Dedicated relationship manager

Flexible step-up/step-down repayment options

How It Works

Home Loan Process

A simple, guided journey from your first inquiry to money in your account.

Submit Inquiry

Share your requirement with us in under 2 minutes.

Free Consultation

Our expert understands your profile and goals.

Document Collection

Doorstep pickup of all required paperwork.

Bank Processing

We coordinate directly with the lender for you.

Loan Approval

Sanction letter issued after successful review.

Amount Disbursed

Funds credited directly to your account.

FAQs

Home Loan — Frequently Asked Questions

Eligibility depends on your income, age, existing obligations and the property value — typically up to 90% of the property value for eligible applicants.

Yes, principal repayment qualifies under Section 80C (up to ₹1.5L) and interest paid qualifies under Section 24(b) (up to ₹2L) per financial year.

Yes, if you have an existing home loan at a higher rate, we can help you transfer it to a lender offering better terms.

Not mandatory, but adding an earning co-applicant (spouse/parent) can increase your loan eligibility significantly.

Talk to a Home Loan Expert

Get a callback within a few hours and a free consultation on your best rate options.

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Ready to get started?

Talk to our loan experts today — free consultation, no obligation.