Home Loan
Planning your dream house? Janmudra can be your saviour — get an instant home loan and step into your own home without any financial worries.
Unlock Best Home Loan Offers From Janmudra
Get a House with Janmudra Home Loans
Purpose: Your data is collected exclusively to check your loan eligibility and securely connect you with your chosen lending partner. We process this information strictly in accordance with RBI guidelines to facilitate your application. We do not sell your data, and it is used exclusively to facilitate your loan application.
10K+
CustomersActive users
70+
BanksPartner banks
170
BranchesNationwide
What is a Home Loan?
A home loan lets you borrow money to build a new house, renovate the one you live in, or purchase a property outright. Banks and NBFCs lend at fixed interest rates, and you repay the amount through EMIs over a set period.
Janmudra is the home of the lowest-interest home loans — starting at 8.5% R.O.I with minimal documents and rapid disbursal straight to your bank account. With secured funds behind you, owning your dream home happens instantly.
Features & Benefits of Home Loan
Loan Amount
How much you can borrow is defined by the property's value and your capacity to repay the obligation.
Repayment Alternatives
Fixed and variable-rate loans with many repayment styles are available in India — flexible rates can shift over time.
Loan Tenure
Repay over 10 to 30 years depending on the lender — longer terms mean lower EMIs but more total interest.
Interest Rates
Your rate moves with market conditions, the stability of your monthly income and, of course, your credit score.
Prepayment Options
Certain home loans allow early repayment with zero penalties attached.
Tax Perks
Many home loans carry tax advantages that can trim your annual tax burden.
Refinancing Options
Swap your current loan for a new one with better conditions and pocket the savings.
Compare Home Loan Offers from Our Top Lenders
Rates, tenures and charges vary between lenders and states — compare through Janmudra without touching your credit score.
| Name of Lender | Interest Rate (p.a.) |
|---|---|
| IDFC First Bank | 7.5% onwards |
| Axis Bank | 7.90% – 9.30% |
| HDFC Bank | 8.00% – 8.95% |
| Kotak Mahindra Bank | 9.5% onwards |
| IIFL | 11.50% – 25% |
— Eligibility —
Home Loan Eligibility Criteria
Meeting these simple requirements is all it takes:
Age
Salaried candidates aged between 18 and 70 years
Income
At least ₹25,000 per month — alone or combined with a co-applicant
Credit Score
Minimum credit score of 750 and above
Employment
Both fixed-salary employees and self-employed individuals qualify
Documents Required for Home Loan
— Documents —
Keep these basics ready for a fast online approval:
How to Apply for a Home Loan?
Apply online in just a few simple steps
Visit Website & Apply
Open the Janmudra website, click the home loan link and fill in the required details.
Expert Guidance
Our executive gets in touch and briefs you on the whole online process.
Digital Documentation
Complete every document online and follow your application through our portal.
Quick Approval
Approval and disbursement come through quickly with Janmudra.
Home Loan EMI Calculator
Loan Details
Results
Success Storiesfrom Our Happy Customers
Discover how Janmudra has helped thousands of individuals across India achieve their dreams with seamless home loan solutions.
Monika
Verified Customer
Mumbai
"I took Janmudra Business loan and my decision was perfectly alright for my business."
Amount
₹5,00,000
Purpose
Business Loan
Rishabh Verma
Verified Customer
Bangalore
"Took Medical Loan from Janmudra when my CIBIL was low, and got my loan approved within a day."
Amount
₹7,50,000
Purpose
Medical Loan
Priyanka
Verified Customer
Delhi
"They are providing quick financial aid services and even have a portal to track the loan process."
Amount
₹12,50,000
Purpose
Wedding Loan
Akash
Verified Customer
Bangalore
"Just got my personal loan worth Rs. 5 lakh disbursed within a day."
Amount
₹5,00,000
Purpose
Personal Loan
Pooja
Verified Customer
Bangalore
"Taking Business Loan has become easier with Janmudra thanks to their transparent services."
Amount
₹5,00,000
Purpose
Business Loan
Frequently Asked Questions
Everything you need to know about Home Loans from Janmudra.