Home Loan By Reliance Capital

 Reliance Home Loans - Features


  •  No income proof scheme available from Rs. 5 lacs to 4.5 cr.
     Customized loan solutions.
     Loan tenure up to 20 years.
     Easy repayment options.

Conditions Apply
All loans are at the sole discretion of Reliance Home Finance Ltd.



 Reliance Home Loans - Eligibility


  •  Minimum Age of Applicant: 21 years.
     Business / Service Continuity.
     Residency Stability.
     Minimum Gross Annual Income of Rs 200,000.
     Salaried / Self employed professional and Self employed non professional.

Reliance Home Loans - Indicative list of Documents



  • Application form  
  • KYC Documents : Passport copy / PAN Card
  • Passport sized photographs of all applicants / co-applicants
  • Latest Form 16 and 3 months salary statement
  • Latest 6 month bank statement
  • Repayment track record, if any

Sole Proprietry/Partnership/Pvt Ltd Company

  • Application form
  • Passport copy / PAN Card / Ration card
  • Passport sized photographs of all applicants / co-applicants
  • Certified copies of MOA / AOA /Partnership deed
  • 2 years audited financials
  • 2 yrs ITR of directors/partners
  • 6 months bank statement of main operating account
  • Professional qualification certificate in case of Doctors/CA/Lawyers/Architects


FAQs on Home Loans


Who can avail of Home Loans from Reliance Home Finance? 

  • Salaried individuals in the age group of 21 to 58 or 60 years depending upon retirement age.
  • Self-employed individuals in the age group of 21 to 65 years(at the end of the loan tenure) .
  • Partnership Firms & Private Ltd. Companies.

Which Products can be Financed ?

  • Residential Property Purchase .
  • Balance Transfer cum Top Up .
  • Existing Customer Top Up.

How much finance can I avail of?

To be updated as : You can borrow up to 80% of the property value towards purchase of your dream home for home loans upto Rs. 75 lacs and 75% of property value for home loans above Rs. 75 lacs.
What are the tenure options?

Home loans range from a minimum of 3 years upto a maximum of 20 years.
How long will it take to process the loan?

Loans are processed within 2 working days of completing the documentation.
Do I have the option of pre-paying the entire loan amount?

Yes.One can pre-pay the loan at any time, after availing the loan.
How do I repay the loan ?

You can make part pre-payments of a minimum amount of Rs 50,000 anytime after the date of first disbursement of the loan.
How do I repay the loan ?

  • Electronic Clearing System (ECS) OR
  • Post dated cheques (PDCs)

What are the stages involved in availing a loan? The stages involved are:

  • Application
  • Processing
  • Documentation
  • Sanctioning of the loan
  • Disbursement


Reliance Home Loans - Fees & Charges

Loan Processing Charges
0.75% of loan amount + Service Tax

Non Refundable processing fees (included in processing fees)

Cheque bounce charges

Late Payment charges
3% pm on unpaid amount

Cheque swapping charges
Rs. 500 per swap

Prepayment charges
Nil repayment charges for loans with floating rate of interest.



Terms and conditions apply.

Figures and indicative. Terms and conditions apply. All loans are disbursed at the sole discretion of the Company. All information herein is subject to change without notice. Please contact the nearest Reliance Home Finance's office to get the exact details including the eligibility criteria and EMI amount.

Reliance Capital, a constituent of CNX Nifty Junior and MSCI Global Small Cap Index, is a part of the Reliance Group. It is one of India's leading and amongst the most valuable financial services companies in the private sector.

Reliance Capital has interests in asset management and mutual funds; life and general insurance; commercial finance; equities and commodities broking; wealth management services; distribution of financial products; asset reconstruction; proprietary investments and other activities in financial services.

Reliance Mutual Fund is amongst top Mutual Funds in India with over five million investor folios. Reliance Life Insurance and Reliance General Insurance are amongst the leading private sector insurers in India. Reliance Securities is one of India’s leading retail broking houses. Reliance Money is one of India’s leading distributors of financial products and services.

Reliance Capital has a net worth of Rs. 13,547 crore (US$ 2.2 billion) and total assets of Rs. 47,440 crore (US$ 7.6 billion) as on March 31, 2015.


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