online lending house

Apply for home loan online at Magicbricks & get affordable home loan at a lowest interest rate. minimum paperwork, low cost EMI, & Instant approval! Federal Bank's quick processing home loan service enables you to buy or renovate your home. Check Federal bank home loan interest rates online and build. Home Loan - Apply Online for Home Loan at Hero Housing Finance Limited and avail housing loan in easy steps.

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PNB Housing - Home Loans

Thanks and Congratulate for exhibiting the excellent support and swiftness in getting my Home Loan approved and disbursed in 5 working days. Really appreciate the efforts in making this happen in such a short span of time. Hats off to PNB HFL team Read More

Ved Bhushan Gulati
Project Director with an MNC

Thank you for the support extended for sanctioning my loan for purchase of Plot in a swift and smooth manner. Really appreciate the way things were handled and in a short span of time. I will definitely recommend you to any of my friends/wellwishers looking for a home loan. Read More

P Brian Antony
Asst.General Manager with a Public sector unit

This is to place on record my appreciation for highly prompt and efficient service provided by PNB Housing Finance in not only sanctioning House loan for a property but also in timely disbursal of the first part of the loan. I would like to compliment the entire team. Read More

Naveen Prakash
Chief Vigilance Officer with a public sector unit

Thank you very much for helping me to get a home loan and for a rapid action. I really appreciate the prompt responses and immediate delivery. I like the services and will refer to my friends who might need a home loan. Read More

Rushikesh Vanarse
Software Product Manager with an IT company

My case was processed very speedily & to everybody’s surprise I got the sanction letter from your company in less than two weeks. Read More

Ajay R. Sawatkar
Sr. General Manager, BSNL, Yavatmal Telecom, District Yavatmal

Based on my experience interacting with you over the past few weeks, I can confidently state that PNB Housing has certain unique qualities that will surely propel you forward. The strongest one being your ability to be a trusted business advisor to your customer. Read More

Tone Thomas
General Manager - Executive Education, S P Jain School of Global Management

I wish to express my sincerest thanks and heartiest appreciation for your great customer orientation, supportive nature and diligence which I experienced during my home loan processing. Read More

Satya Tiwari
Commercial Director, GSK Asia Pvt. Ltd.

Everything was done in a speedy and transparent manner. The status updates right from initial application through the underwriter’s query were helpful. While signing the final documents, branch Manager Mr Nilay Bhargava, courteously assured us of the first disbursement within a short time frame. Read More

Abhishek Srivastava
Director, Financial Engineering, Chicago Trading Company

During my all interactions with the organization I could always sense a feeling of respect and value for the customer and the same was remarkable with all of my interactions with Ms. Ruchi Gupta. I really appreciate her timeliness and cooperative way to deal with a customer. Read More

Harbaksh Singh
Manager, Godrej & Boyce Mfg. Co. Ltd.


Instant Personal Loan Online with MoneyTap

Get quick and easy personal loans up to ₹5,00,000 for 2-36 months. MoneyTap offers instant loans through our mobile app with minimum documentation and approval within minutes.

Apply Now

What is MoneyTap Personal Loan?

Now you can get an instant MoneyTap Personal Loan of up to ₹5 Lakh without any collateral or guarantors. Use this money for travel plans, mobile phones, medical emergencies, weddings, education loans, home renovation, and more.

MoneyTap Personal Loans start at an interest rate of 1.08% per month (13% per annum). The best part is, you can get an approved credit limit of up to ₹5 Lakh, but you don’t have to pay any interest until you transfer this money to your bank account. What’s better? You don’t even have to transfer the entire amount at once; you can borrow only as much as you need from your limit. The interest will be charged only on the used amount. Repay when it’s convenient for you by choosing flexible EMI options of 2-36 months.

Apply online with 3 easy steps and get instant loan approval with minimum documentation.

  • Download the MoneyTap app on Android or iOS
  • Fill in your details
  • Get approved within minutes

MoneyTap is India’s first and most trusted app-based credit line loan. More than 10 Million people have downloaded the MoneyTap app.

Experience quick, easy, and hassle-free digital loan approval with MoneyTap’s new generation Personal Loan 2.0 and get your loan approved within minutes!

Benefits of Using MoneyTap Personal Loan

  • Instant Approval

    Get online approval in 4 minutes with minimal documentation. Just download the app, fill in your details and upload pictures of your documents.

    Personal loans from traditional banks have cumbersome paperwork and take multiple days to provide approval.

  • Borrow in Parts

    You can borrow any amount from ₹3,000 up to your entire approved credit limit again and again, as and when you need the money. You don’t pay interest for the money you don’t use.

    Loans from other banks only allow you to borrow the entire amount at once.

  • Save on interests

    Since the interest is charged only on the used amount and not on the entire approved limit, you can save a lot on interests compared to traditional personal loans. Our interest rates start as low as 1.08% per month.

    For personal loans from other banks, you pay interest on the entire amount from day one.

  • Doubles as a Credit Card

    With MoneyTap Personal Loan 2.0 you also get a complimentary MoneyTap-RBL Credit Card* loaded with features and benefits. You can use this credit card for online & offline purchases and spend up to your approved limit, which you can then convert into EMIs if you want. (*Valid only for RBL approved customers.)

  • Flexible Repayments

    You can choose your repayment schedule. Choose flexible EMI options of 2-36 months and pay as per your convenience.

    Banks only provide fixed EMI tenures for personal loans.

  • Manage Credit, Repayments and Fund Transfer Through an App

    Everything is at your fingertips. With our easy-to-use mobile app, manage your account without any hassles from the safety of your home.

Eligibility Criteria

  • Must be a full-time salaried employee with a minimum take-home salary of ₹ 30,000/month


    Must be a self-employed professional with an income of at least ₹ 30,000/month.

    (Only certain professionals like doctors, lawyers, or business owners qualify)
  • Must be above 23 years and below 55 years of age
  • Must be a resident of one of the following cities:
    View city list

View More

Required Documents

  • Pan Card Number
  • Professional Selfie
    (To be taken on the MoneyTap App)
  • Address Proof
    (Valid Driving License / Valid Passport / Aadhar Card)
  • ID Proof
    (Valid Driving License / Valid Passport / Voter’s ID / Aadhar Card / Pan Card)

View More

Personal Loan EMI Calculator


Total Interest Payable


Total Payment (Principal + Interest)

Our journey so far

5 years and counting as India’s 1st app based Credit Line

How to apply for Personal Loan 2.0

Download MoneyTap App & register

Fill up basic details such as age, city, PAN number, & income so we can determine your eligibility.

KYC documentation

After the approval from our system, we’ll schedule a KYC visit to your house / office to collect documents.

Fill up basic details such as age, city, PAN number, & income so we can determine your eligibility.

After the approval from our system, we’ll schedule a KYC visit to your house / office to collect documents.

Credit line is ready to use! From the approved limit, transfer as much money as you need to your bank account.

Someone like you is happy with MoneyTap


You can have credit cards but you have to pay hefty interest rates if you want to use them as a loan. You need to go for a personal loan if you need cash. But MoneyTap credit has a kind of 2-in-1 facility that lets you withdraw cash when you need it and change it to EMI as well [with lower interest rates]. I think it's really helpful and unique.



The best feature on the app is instant feedback. You say "thank you" and it replies "welcome" - its' all done by the app. I have not seen this kind of intelligence in any other app. Absolutely love it.


N Cavin Misao

I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.

N Cavin Misao

MoneyTap's Personal Loan is
Now Available Across India

MoneyTap Personal Loan FAQs

A personal loan is money borrowed from a lender that you need to repay in monthly instalments that typically range from 2 to 5 years.

There are two types of personal loans:

  • Secured personal loans: A secured personal loan requires you to pledge your car, valuable assets or your house to guarantee repayment. While a secured loan has lower interest rates, there is also a risk of losing your valuable assets if you fail to repay the debt.
  • Unsecured personal loans: Unsecured personal loans require no collateral and can be used for any reason, including wedding expenses, travel costs, medical emergencies, home renovation, or debt consolidation depending on your current financial needs.

To know more about a personal loan and types of personal loans, read this.

Yes, a personal loan makes perfect sense for several circumstances because it is a feasible option that gives you easy access to cash. Unlike specific loans that are granted for a particular reason, a personal loan can be used in any way you like.

  • Personal Loan Amount & Tenure
    Evaluate your financial needs and your capability of repaying that amount before deciding on a loan.
  • Eligibility Criteria
    Determine the eligibility criteria of different banks to figure out which criteria you fit in.
  • Documents Required
    Check the list of documents that you will need and arrange for those documents before applying for a personal loan.
  • Processing Time
    Verify the time it will take to process your loan so you can avail of the fund in the timeframe best suitable for you.
  • Charges, Fees, APR & Interest Rates
    Be aware of the interest rates, fees & processing charges as they can make or break your loan experience.
  • Annual Percentage Rates (APR)
    Compare APRs of various lenders to check which lender offers the lowest. Low APR will help bring the overall cost down.
  • EMI Payment Options
    Figure out if you will be able to make EMI payments before applying for and committing to a loan.
  • Foreclosure Policy
    Be aware of foreclosure charges that different banks charge as this is often missed by a lot of people.
  • Credit History
    Your CIBIL score will define your creditworthiness. Make sure you have a score that banks will accept.

No, you cannot get a personal loan from any bank or NBFC if you do not have a bank account.

A secured loan is protected by collateral in the form of a house or a car or an asset of some sort. A secured loan requires you to guarantee security that you will pay back the loan on time or lose your assets if you default.

As the name implies, unsecured loans are the exact opposite of secured loans and do not need a collateral. They include education loans, signature loans as well as credit card purchases.

A flat interest rate is the interest rate calculated on the full loan amount throughout the loan tenure without considering the monthly EMIs that reduce the loan amount with every repayment.

Here’s an example to help you understand how the flat interest rate works for a principal loan amount of ₹ 100,000 with a yearly interest rate of 10%.

yearly interest rate

In reducing interest rates, the interest is calculated on the outstanding amount that keeps reducing with every monthly repayment. This means that the EMI is calculated every month taking into consideration both the interest on the outstanding loan amount and the principal.

Now let’s look at the same example, but this time with a reducing interest rate.

reducing interest rate

You can get MoneyTap’s line of credit for a personal loan if you are:

  • Salaried employees or self-employed professionals like doctors, lawyers, shop owners, business owners, etc. with a minimum monthly salary of ₹ 30,000 in hand.
  • Self-employed professionals who are eligible to apply for MoneyTap’s credit line include Doctors, Lawyers, Architects, Government Employees and CAs.
  • Above 23 years of age and below 55 years.
  • Residents of Ahmedabad, Anand, Bangalore, Chennai, Chandigarh, Coimbatore, Delhi, Gandhinagar, Hyderabad, Indore, Jaipur, Mumbai, Mohali, NCR, Panchkula, Pune, Rajkot, Secunderabad, Surat, Vadodara, Vijayawada, and Vizag. We will be expanding to other cities shortly.

The interest rates for MoneyTap loans typically range from 13% to 18% annually. The exact interest rate depends on your credit score which is based on your repayment record, defaults and bounced cheques. With MoneyTap Personal Loan 2.0, you have the advantage of paying interest only on the amount you use and not on your entire approved limit. The applicable interest rates are shown to you upfront with your EMI and you are charged only after you approve it.

A good CIBIL score is a prerequisite for you to get credit. So, when you get approved for a MoneyTap credit line, use the cash and repay on time, and you start building your credit history. Taking credit and repaying on time is the best way to improve your credit score. To make sure you don’t miss out on your repayments, we send you reminders every month.

Yes, you can visit the website of our partner bank that has approved your loan application and follow their instructions to set up the auto-debit system for your repayments.

If you are able to repay the entire outstanding amount of your loan before your predetermined loan tenure ends, it will definitely help you save big on the interest because it automatically reduces.

However, if you don’t wish to prepay your entire loan amount in one shot and want to prepay a part of the outstanding loan amount early, you can do so by paying part of the total loan value at a time convenient to you. Please note that not all banks or lending platforms offer part prepayment.

No, with MoneyTap’s app-based credit line you get instant access to cash anytime, anywhere without needing any security, collateral or guarantor.

No. Being an unsecured loan by nature, MoneyTap Personal Loan 2.0 from your available credit line does not need any guarantors!

With MoneyTap, you can get approved for a personal line of credit of up to ₹ 5 Lakh for any need you may have for a personal loan without needing any collateral or security.

MoneyTap Personal Loan 2.0 is a flexible credit line with some great features like no usage-no interest, lifetime credit availability, flexible borrowing options, no collateral and no guarantors! It is a ready source of funds that can be accessed anytime for personal and professional needs. You can withdraw as little as ₹ 3,000 or the entire approved limit in one shot in case of an emergency.

Since MoneyTap Personal Loan 2.0 is a revolving credit line, you can withdraw money, repay based on your cash flow and spend it as and when you like because your credit cycle is virtually never-ending! The money upon repayment will be available again so you don’t need to reapply as long as you make the monthly payments on time.

MoneyTap’s personal line of credit can be used for just about anything – from a home remodel and a family wedding to online shopping and medical emergencies. You can also use the credit line to cover your education expenses, when travelling abroad, to buy a laptop, to pay for unexpected business expenses or for debt consolidation.

Let's take a look at a hypothetical example to understand how MoneyTap's Personal Loan 2.0 works:
Arjun has been approved for a credit line of ₹ 1 Lakh with MoneyTap but he uses only ₹ 50,000 out of it. If he had taken a traditional personal loan he would have been charged interest on the entire ₹ 1 Lakh from day 1. But, with MoneyTap, he will only be charged interest on the amount he uses (₹ 50,000).

With MoneyTap:
Amount to be paid after 1 year, assuming 13% interest rate, loan amount = ₹ 100,000, used only = ₹ 50,000:
50,000 X 13 = 56,500
Arjun will end up paying ₹ 56,500 by end of the year.

With a traditional personal loan:
Amount to be paid after 1 year, assuming 13% interest rate, loan amount = ₹ 100,000: 100,000 X 13 = 113,000
Arjun will end up paying ₹ 113,000 by end of the year.

When applying for MoneyTap’s personal loan online, you need to have the following documents handy:

  • PAN Card
  • Aadhaar Card
  • Identity Proof (Driving license/Voter ID/Passport/Aadhar/PAN)
  • Address Proof (Driving license/Voter ID/Passport/Aadhar/Utility Bills/Scheduled Bank Statements)

No. All you need is a few minutes to follow our 100% hassle-free online process. Simply download the MoneyTap app, register online, follow the preapproval process by submitting your basic details, complete the KYC online and get the money on approval! You can also track all your transactions with a single tap.

The minimum amount that can be borrowed from MoneyTap’s line of credit is ₹ 3,000 and the maximum you can borrow is up to your approved credit limit which can be up to ₹ 5 Lakh.

MoneyTap’s personal loans can be repaid in equal monthly instalments of your choice over a convenient tenure which can be anywhere between 2 months to 36 months.

You can repay through cheque, online through the MoneyTap app or directly to the bank where it is automatically deducted with eNACH.

The processing happens instantly once you submit your basic details and the pre-approval takes nothing more than a few minutes. However, the final approval may take a few more days after you complete the eKYC.

On an average, people typically take around 4-5 minutes to get a pre-approval after they have installed the app. The speed might vary depending on your typing speed.

However, the final loan disbursal may take a few more days after you complete the KYC.

Everything from your withdrawals to your repayments can be tracked in real-time on the app.

Yes, you need to download the app because the entire process is completely online to eliminate the hassles of paperwork and ensure faster approvals. You’ll also need the app to transfer money from MoneyTap to your bank account. However, you can get pre-approved for the loan on the MoneyTap website here.

Yes, the bank will check your CIBIL score to assess your creditworthiness. The higher you score, the better are your chances of approval.

You can get approved for a credit line starting at ₹ 35,000 up to ₹ 5 Lakh from which you can take a personal loan of ₹ 3,000 up to your entire approved amount.

All the information provided by you is safely stored in our access-controlled system that has data encryption and restricted access. So, you can rest assured that all your data is safe with us. To know more about our secure socket layer, please go through our privacy policy.

You can choose from convenient EMIs of 2-36 months to repay your MoneyTap Personal Loan 2.0.

Being a revolving credit line, MoneyTap loans can have a lifetime credit limit. This is because every time you repay the borrowed amount, your credit limit gets recharged by the same amount. So, as long as you are regular with your repayments, you have the freedom to withdraw as many times as you want.

No, this is basic documentation requirement if you wish to apply for MoneyTap’s personal line of credit to borrow personal loans from.

MoneyTap's processing fee depends on the amount you are withdrawing. It's divided into the following brackets:

  • ₹ 3,000 - ₹ 199 + GST
  • ₹ 5, 000 - ₹ 399+ GST
  • ₹ 10,000 - ₹ 499 + GST
  • ₹ 25,000 and above - 2% of borrowed amount + GST

Note: You are charged a processing fee on the amount transferred and not on the approved limit. This fee is added to your next statement.

Yes, you can use MoneyTap’s personal line of credit to fund a small business or for managing cash flow.

We send you reminders on your app so that you never miss out on your payments but if you do miss out on your payment, it will have the following implications:

  • Our partner bank will report this to all the credit bureaus including Experian, Highmark, CIBIL, and Equifax. This will have a negative impact on your credit report so if you apply for a loan or credit card in the future, it will affect your approval limit and your interest rates.
  • You will invite a late payment fee of 15% which can range anywhere between ₹ 350 to ₹ 1000.
  • If you fail to repay the loan even after repeated reminders, the bank may initiate their recovery procedures.

So, make sure you don’t miss out on your payments.



Congratulations on finding your dream home!

Choose from one of our home loan options and allow us to make your dream a reality. Our home loans, with their extensive features, host of benefits and competitive interest rates, have been specially designed to suit your home finance needs. With the Citibank Home Credit option, you can also avail the benefits of interest savings available for withdrawal, or faster repayment, towards your home loan.

Learn about how Citibank home loans can provide the financing you desire and when you're ready, apply for a housing loan.

You can also visit our 'Useful Links' section below to find more information about our home loan interest rates and other details.

Check out our Home Loan Eligibility Calculator to determine your home loan eligibility

Click here to see the list of residential properties in your city which are approved with Citibank

Check out our Home Loan EMI Calculator to calculate your home loan EMI

Enjoy the fineries of life by owning a home you can call your own. Citi is offering home loan interest rates starting as low as 6.65%*. The loans, which offer a limit of up to INR 10 crores, will extend to 80% of the property value. Also, with the optional Home Credit feature, you can make faster repayments or savings. *Please refer pricing grid for further details

You must be an Indian citizen to avail a Citi home loan for buying any residential property in India. You must have a good credit score and a stable flow of income. The eligibility criteria also depend on your source of income, demographics and nature of property.

Eligibility criteriaSalaried ApplicantsSelf-Employed Applicants
NationalityIndian ResidentIndian Resident
Minimum Age21 years (if income not considered); 23 years (if income considered)21 years (if income not considered); 23 years (if income considered)
Maximum Age65 years at loan maturity65 years at loan maturity
Work Experience / Business Continuity2 years min.3 years min.
Maximum loan10cr10cr
Home Loan

Home Loan

Congratulations on finding your dream home! Citibank Home Loan with its extensive features and competitive interest rates will help you in making your dream home a reality.*



Special features of Citibank Home Loan

  • Attractive Interest Rates.
  • Easy Home Loan up to Rs. 10 crore.
  • Flexible repayment tenure up to 25 years.
  • Home Loans up to 80% of the property value.
  • Flexibility to pay interest only during construction period.

Benefits of Citi Home Loan

Citi’s home loans can turn your dream of owning a home into reality. Use the customer-friendly features of the home loans to renovate your property or to buy a new one. Citi also provides tailor-made options and support to ensure seamless Citi home loan and repayment processes. Applying for and managing a home loan have never been more attractive:

  • Transparent home loan interest rates linked to TBLR which is an external benchmark linked lending rate
  • Interest calculated on daily reducing balance
  • No co-borrowers/guarantors required for security
  • Flexible repayment tenure of up to 25 years
  • Opportunity to save on loan interest by parking your excess balances in the linked home credit account
  • Option of paying only interest during under construction period
  • Get your queries answered by our telephonic service platform- Citiphone
  • Online access to your Home Loan account, 24x7

Home Credit Advantage

Citibank offers you to power pack your loan through the unique Home Credit option which lets you decide what interest you pay on your loan.

Home Credit loans operate through Home Credit Account which is a current account linked to your loan. All amounts deposited in the Home Credit account in excess of the threshold amount and subject to a maximum of your outstanding loan is transferred on a daily basis to your loan account to offset the interest being charged on your loan. This amount is always available for withdrawal by you as an overdraft line.

Citibank offers you 2 options in Home Credit loans that you can choose depending on your needs:

Home Credit Vanilla option

Home Credit Vanilla option gives you the option of maintaining liquidity. An overdraft line is set on the Home Credit account and interest savings arising out of the Home Credit facility go towards increasing this line, which is always available for withdrawal by you.

Home Credit Fast Track option

Home Credit Fast Track gives you the option of repaying your home loan faster. Interest saves are adjusted towards reducing your loan outstanding, which effectively reduce the tenure of your loan and help you close your home loan faster.

Click here to know more about Home Credit facility.

Click here to see how you can save interest and reduce tenure using Home Credit Fast Track.


Loan Amount

How do I avail a Citi Home Loan?

You can now buy any property and turn it into your dream home by using a Citi home loan. Check the options below to apply for one.

  1. Visit Citibank Online:
    1. Click our application site to apply now
    2. Enter your name, contact details and city of residence
  2. Call us:
    24*7 CitiPhone Numbers (applicable across India)**
    Mortgage Loans1860 210 2484 (Local call charges apply) Use +91 22 4955 2484 for calling us from outside of India.

    *Operational between 9 AM – 7 PM (Monday – Saturday) except on national holidays.

  3. Text us:
    1. SMS HOME to 52484

What is the minimum eligibility for availing a Citi Home Loan?

The minimum eligibility to avail a home loan from Citi is that you should be at least 23 years of age, and have work experience of at least two years if you are a salaried professional

if you are a self-employed professional, you should be at least 23 years of age and have a continuous work experience of at least 3 years and 2 years of cash profit in your business, excluding carry forward losses

The final sanction of home loan is at the discretion of Citi.

Can I get a pre-approval for my loan now and avail a Home Loan later?

Yes, based on your income and capacity to repay, Citi can give you an in-principle approval for a home loan to purchase a premium property. You may use the approved loan amount to identify the property that you want to buy. However, the property should meet Citi credit parameters to be eligible for a final sanction. Validity for a pre-approved home loan will be 90 days.

How long will my loan application process take?

The Application will be processed within 15 working days on a best effort basis, on receipt of all the required documents mentioned at the time of application collection. The document requirements are indicative and Citibank reserves the right to request for further documents, if required. Terms and conditions as mentioned in the Loan agreement will apply.


What is an EMI and how is the EMI calculated on my Citi Home Loan?

EMIs are monthly installments that you pay to resolve your loan amount. Each installment includes both the Principal and Interest Components. Citi Home Loans are repaid through EMIs (Equated Monthly Installments) over the period of the loan. Click here to find out the EMI on your loan.

Loan Tenure (in Years)EMI Per Lakh (in Rupees)

How do I repay my Home Loan EMI?

Citi offers you a choice of repayment options for your loan EMI:

  • Standing Instruction (SI) on your existing Citi account
  • Through NACH (National Automated Clearing House).

Can I prepay my Citi home loan?

Yes, you may prepay your loan if you wish. You can also choose to make partial prepayments on your home loan. Please refer to the terms and conditions mentioned in the loan agreement to know more about the applicable charges on prepayments and loan foreclosure.

Home Credit

Home Loan

What is a home loan and how does it work?

A home loan is the amount that a bank or a non-banking financial institute (NBFC) provides you to purchase an apartment or any premium residential property. The borrowed amount (principal), plus interest, is to be paid back within a fixed tenure. The residential property/ home which is purchased is used as collateral for the loan. The final sanction of a home loan is at the discretion of Citi

What are the documents required for a home loan?

Citi home loans are available with minimal documentation. You will need basic documents as proof of identity, address and income. The list is as below:

Proof of Identity, Signature, Address & date of Birth (for individuals)

document Nameidentity ProofCurrent Address ProofSignature ProofDate of Birth ProofMandatory
Aadhaar Card / Letter issued by the Unique Identification Authority of india containing details of name, address and Aadhaar number / Proof of possession of Aadhaar **YYNY
Voter's identity CardYYNY
Valid PassportYYYY
Valid Driver's LicenseYYYY
Job Card issued by NREGA signed by an officer of State GovernmentYYNY
National Population RegisterYYNY

** By submitting a copy of Proof of Possession of Aadhaar Number, containing Aadhaar number, the client confirms and agrees that the Bank has duly explained that submission of Proof of Possession of Aadhaar number is no longer mandatory, and they have the option to submit any one of the documents as per the list of Officially Valid Documents (updated by the RBI from time to time) towards submission of KYC/proof of address documents. If they provide such Proof of Possession of Aadhaar number containing their Aadhaar number, please note that they are providing the same as an officially valid document voluntarily in accordance with extant rules and regulations;

They are required to redact/ blacken out the first eight digits of Aadhaar number such that only last four digits of the Aadhaar number are visible; and in case you do not redact/ blacken out the first eight digits of Aadhaar number, it shall be deemed that they have authorized Citibank to redact/blacken out the same on their behalf.

Am I eligible for affordable housing loan?

No. Currently, there are no options available for affordable housing loans.

Property papers: for the processing of the loan, copies will be required. Original property papers are required to submitted to the Bank prior to the loan disbursal.

For Builder Under construction properties:

  • Copy of the Allotment letter
  • Copy of Builder buyer agreement
  • Copy of Possession letter
  • Copy of payment plan
  • Copy of Receipts of payments made to the developer
  • Copy of Agreement of sale with the seller if it is a resale property

For Resale property:

  • Copy of Title deed including previous chain of the property
  • Copy of the approved sanction plan
  • Copy of agreement to sell

Other documents:

  • Passport-size photograph to be pasted on the application form

Which factors affect your home loan eligibility?

The home loan eligibility and terms are affected by the factors below:

  • Your credit score and repayment history
  • Your income/revenue per annum
  • Other loan repayment property
  • The value of your property


  • Quick Links

    Whether you're a first-time buyer or looking to transfer your existing loan or leveraging your property's equity to expand your business, Compare home loans Citibank offers that come with a host of benefits and competitive interest rates.

    • Citi Loan against Property - Allows you to leverage your residential or commercial property's value by availing a loan against property.
    • Citi Home Loan Takeover Plus Enhancement - Enjoy lower interest rates with our home loan balance transfer facility and then top up your loan to supplement further financial requirements.
    • Top-up Existing Home Loan - Avail of the home loan top-up facility and get more money on the basis of your repayment record and the current property value.

    View all home loan options and apply for home loan with Citi to start with your home loan journey today!


Loans – Meaning, How They Work, Types, and Features

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    Bank of India offers to finance new and used cars across various applicants, i.e. resident individuals, non-resident individuals, and companies. It includes a defined structure for interest rates based on the CIBIL score for individuals.

  6. IndusInd Bank Car Loan Interest Rates

    IndusInd Bank assists you in your venture of car purchase in the form of car loans. You don’t have to wait forever for the loan disbursement.

  7. Federal Bank Car Loan Interest Rates

    Federal Bank car loan interest rates vary based on whether you are purchasing a brand new car or a used one. Read on to know more.

  8. IDBI Bank Car Loan Interest Rates

    IDBI Bank offers express auto loans for you to realise your dream of owning a car even quicker. You can book the car of your dreams, and the bank will take care of the financing part.

  9. Union Bank of India Car Loan Interest Rates

    Union Bank of India has acquired Andhra Bank and Corporation Bank under its brand name. The bank offers a vehicle loan scheme that finances used/new cars and new two-wheeler vehicles.

  10. Central Bank of India Car Loan Interest Rates

    Central Bank of India offers car loans at attractive interest rates and not-too-stringent terms and conditions to their retail customers.

  11. PNB Car Loan Interest Rates

    Punjab National Bank (PNB) offers different car loan schemes to cater to retail and commercial customers. There are separate schemes for government employees and existing home loan customers.

  12. Andhra Bank Car Loan Interest Rates


  13. Oriental Bank of Commerce Car Loan Interest Rates

    Check OBC Car Loan Interest Rates and information for latest year. Compare OBC Car Loan Interest Rates (floating) for various schemes & loan slabs.

  14. ICICI Bank Car Loan Interest Rates

    ICICI Bank provides you with a hassle-free car loan process at affordable rates and special discounts on processing fee. You can take an auto loan for a brand new or used car.

  15. State Bank of India Car Loan Interest Rates

    Check SBI Car Loan Interest Rates and information for latest year. Compare SBI Car Loan Interest Rates (floating) for various schemes & loan slabs.

  16. HDFC Bank Car Loan Interest Rates

    HDFC Bank is the fifth-largest bank in India, offering good deals on car loans, such as competitive interest rates compared to other banks and part-payment options to conclude the loan before the tenure.

  17. Axis Bank Car Loan Interest Rates

    Axis Bank offers you great benefits on car loans, such as competitive interest rates, no need for a guarantor, and nil pre-closure charges if you decide to settle the loan early. Read on to know more.

  18. Central Bank of India Home Loan Interest Rates

    Central Bank of India, is one of India’s oldest and largest state-owned commercial banks. Here are all possible questions and answers related to the Central Bank of India Home Loan.

  19. IDBI Bank Home Loan Interest Rates

    IDBI Bank, established in the year 1964, offers home loans with attractive options and quick services in terms of documentation, processing, and other home loan financing requirements.

  20. Bank of India Home Loan Interest Rates

    Bank of India (BOI), founded in 1906, is a government-owned bank. All possible questions related to Bank of India home loans are now answered.

  21. HSBC Bank Home Loan Interest Rates

    Check HSBC Home Loan Interest Rates and information for latest year. Compare HSBC Bank Home Loan Interest Rates (floating) for various schemes & loan slabs.

  22. PNB Home Loan Interest Rates

    Check PNB Home Loan Interest Rates and information for latest year. Compare PNB Home Loan Interest Rates (floating) for various schemes & loan slabs.

  23. Union Bank of India Home Loan Interest Rates

    Check Union Bank of India Home Loan Interest Rates and information for latest year. Compare Union Bank of India Home Loan Interest Rates (floating) for various schemes & loan slabs.

  24. Corporation Bank Home Loan Interest Rates

    Check Corporation Bank Home Loan Interest Rates and information for latest year. Compare Corporation Bank Home Loan Interest Rates (floating) for various schemes & loan slabs.

  25. RBL Bank Home Loan Interest Rates

    Check RBL Bank Home Loan Interest Rates and information for latest year. Compare RBL Bank Home Loan Interest Rates (floating) for various schemes & loan slabs.

  26. Andhra Bank Home Loan Interest Rates

    Check Andhra Bank Home Loan Interest Rates and information for latest year. Compare Andhra Bank Home Loan Interest Rates (floating) for various schemes & loan slabs.

  27. Citibank Home Loan Interest Rates

    Usually, a home loan is a big amount taken for a longer period upon which interest is levied. In this article, we are going to cover all possible questions that are related to Citibank Home Loan.

  28. YES Bank Home Loan Interest Rates

    Check Yes Bank Home Loan Interest Rates and information for latest year. Compare Yes Bank Home Loan Interest Rates (floating) for various schemes & loan slabs.

  29. Mortgage Caclulator

    Use ClearTax Mortgage Calculator to calculate your monthly mortgage payment & how much you can afford. Estimate your monthly payments and see the effect of adding extra payments.

  30. Personal Loan – Interest Rates, Eligibility, Features, and Factors Affecting Eligibility

    Personal Loan - Looking for a personal loan from bank/ NBFC? You need to take care of few important things. Know about personal loan interest rates, eligibility, process & documents required, no collateral needed, interest rates, how to increase your savings

  31. Education Loan – Types, Rates, Features, and Eligibility

    Looking for higher education? If yes & thinking of a bank loan, you need to take care of few important things. Know about education loan interest rates, eligibility, process & documents required.

  32. Home Loan – Meaning, Types, Eligibility, and Features

    Are you buying a brand new home? If yes and you're buying a home on a bank loan, you need to take care of few important things. Know about home loan interest rates, eligibility, process & documents required.

  33. Car Loan – Meaning, Features, and Eligibility

    Are you buying a brand new car? If yes and you're buying a car on a bank loan, you need to take care of few important things. Know about car loan interest rates, eligibility, process & documents required.

  34. Kotak Mahindra Bank Home Loan Interest Rates

    Kotak Mahindra Bank offers home loans to retail customers. Choose the right home loan scheme for you by matching the loan features with your requirements.

  35. ICICI Bank Home Loan Interest Rates

    ICICI Bank helps you own a house by offering several home loan schemes. This article will highlight the important factors you should know before you apply for a home loan.

  36. Axis Bank Home Loan Interest Rates

    Axis Bank, one of India’s renowned banks, offers home loans at an easy-going interest rate. Here's everything you need to know.

  37. HDFC Bank Home Loan Interest Rates

    HDFC Bank presents a convenient way to fulfil your dream of owning a house with HDFC Bank home loan. Here's everything related to HDFC Bank Home Loan.

  38. SBI Home Loan Interest Rates

    SBI offers several home loan schemes for various purposes. Read through to know more about the schemes, interest rates, eligibility, and more.


DMI Housing Finance

With our mission aligned to that of the nation – i.e. facilitate housing for all, especially those in the lower income and economically backward segments – DMI Housing Finance Private Limited is registered as a housing finance company with the National Housing Bank (NHB). With the weight of our parent company – DMI Finance – behind us, we provide Housing loans to individuals and Loans against Property (LAP), builder loans, corporate loans, etc.

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Nirankar Singh

My wife and I had been discussing purchasing a home of our own since we married. It is only after we took this discussion to DMI Housing Finance that our dream became a reality. They made everything so simple and affordable for us that now we wonder why we did not approach them earlier.

Sanni Chauhan

Our ancestral home was in very bad condition and although we loved it very much, we were unsure about how to restore it to its former glory. Then we met DMI Housing Finance and they helped us with a loan that perfectly matched our requirements. Today, our entire family – from the youngest to the oldest – enjoys the restored home, we feel very grateful to them.


When my family gifted me a plot of land in my native place, I was overjoyed as I have very happy childhood memories of my times spent there. I wanted to build a home on that land. Although pressures of city life were taking a toll on my finances, DMI Housing made it possible for me to build that house and revive my roots.


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