Digital India Finance Services
At Digital India Finance, we understand that a home is not just a place to stay. It is much more than that. It is a warm little corner of the world that is yours, tailored to your tastes and needs. It is the place where you celebrate the joys, deal with the sorrows and enjoy the journey called life. There is no place like home and with Digital India Finance Home Loans you can gather hopes, achieve your dreams and create memories in your own space.
Apply Now| Loan Slab | Interest Rates (% p.a.) |
|---|---|
| For All Loans* | Policy Repo Rate + 2.20% to 2.80% = 8.70% to 9.30% |
| Loan Slab | Interest Rates (% p.a.) |
|---|---|
| For All Loans* | Policy Repo Rate + 2.55% to 3.30% = 9.05% to 9.80% |
For home loan approval, you need to submit the following documents for applicant / all co-applicants along with the completed and signed home loan application form.
| A | Sr.No. | Mandatory Documents | ||
|---|---|---|---|---|
| 1 | PAN Card or Form 60 (If the customer does not have a PAN Card) | |||
| B | Sr.No. | Description of Officially Valid Documents (OVD) that can be accepted for establishing the legal name & current address of Individuals*[Any one of the following documents can be submitted] | Identity Proof | Address Proof |
| 1 | Passport, the validity of which has not expired. | ✔ | ✔ | |
| 2 | Driving license which has not expired. | ✔ | ✔ | |
| 3 | Election / Voters identification card | ✔ | ✔ | |
| 4 | Job card issued by NREGA duly signed by the officer of the State Government | ✔ | ✔ | |
| 5 | Letter issued by the National Population Register containing details of name, address. | ✔ | ✔ | |
| 6 | Proof of possession of Aadhaar Number (to be obtained voluntarily) | ✔ | ✔ |
A document mentioned above shall be deemed to be an OVD even if there is a change in the name subsequent to issuance provided it is supported by a marriage certificate issued by State Government or Gazette notification, indicating such a change of name.
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Last 3 months' Salary Slips | ✔ | ||
| Last 6 months' Our Statements, showing salary credits | ✔ | ||
| Latest Form-16 and IT returns | ✔ | ||
| Income Tax Returns along with computation of income for the last 3 Assessment Years (of both the individual and the business entity and attested by a CA) | ✔ | ✔ | |
| Last 3 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA) | ✔ | ✔ | |
| Last 6 months' Current A/c Statements of the business entity and Savings Account Statements of the individual | ✔ | ✔ |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Copy of the Allotment Letter / Buyer Agreement | ✔ | ✔ | ✔ |
| Receipt/(s) of payment/(s) made to the developer | ✔ | ✔ | ✔ |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Title Deeds including previous chain of the property documents | ✔ | ✔ | ✔ |
| Receipt/(s) of initial payment/(s) made to the seller | ✔ | ✔ | ✔ |
| Copy of the agreement to sell (if already executed) | ✔ | ✔ | ✔ |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Title Deeds of the Plot | ✔ | ✔ | ✔ |
| Proof of no encumbrances on the property | ✔ | ✔ | ✔ |
| Copy of the plans, approved by the Local Authorities | ✔ | ✔ | ✔ |
| Construction estimate by an Architect / Civil engineer | ✔ | ✔ | ✔ |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Own Contribution Proof | ✔ | ✔ | ✔ |
| Employment Contract / Appointment Letter in case current employment is less than year old | ✔ | ||
| Last 6 months' Our Statements showing repayment of any ongoing loans | ✔ | ✔ | ✔ |
| Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across. | ✔ | ✔ | ✔ |
| Cheque for processing fee favouring Digital India Finance | ✔ | ✔ | ✔ |
| Business Profile | ✔ | ✔ | |
| Latest Form 26 AS | ✔ | ✔ | |
| List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company | ✔ | ✔ | |
| Memorandum and Articles of Association of the Company | ✔ | ✔ | |
| Partnership deed in case of the business entity being a partnership firm | ✔ | ✔ | |
| Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc. | ✔ | ✔ |
*All documents to be self-attested. The above list is indicative in nature and additional documents can be asked for.
Tailor-made loans to suit your requirements.
Apply with minimal documents, save time and effort.
Connect with us on Chat, WhatsApp anytime, anywhere!
Login to your account to conveniently manage your loan.
