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Home Loan
Piramal Capital & Housing Finance Ltd, headquartered in Mumbai, is a reputed NBFC in India known for flexible underwriting, higher approval for self-employed borrowers, and customized home loan solutions beyond rigid bank norms.
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Piramal Finance Home Loan Types & Key Features
Piramal Finance focuses on custom underwriting, making it ideal for borrowers with variable income, complex profiles, or higher funding needs.
📊 Home Loan Types & Features:
| Home Loan Type | Floating Interest Rate* | Fixed Interest Rate* | Max Tenure | LTV | Loan Amount |
|---|---|---|---|---|---|
| Regular Home Loan | 9.50% – 11.50% p.a. | 11.75% – 13.00% p.a. | Up to 30 years | Up to 85% | ₹5 lakh – ₹10 crore |
| Self-Employed Home Loan | 9.75% – 12.50% p.a. | 12.00%+ | Up to 25 years | Up to 80% | ₹10 lakh – ₹10 crore |
| NRI Home Loan | 10.00% – 12.75% p.a. | Case-based | Up to 25 years | Up to 75% | ₹25 lakh – ₹5 crore |
| Balance Transfer | 9.50% – 11.25% p.a. | — | Balance tenure | As per policy | ₹10 lakh+ |
| Top-Up Home Loan | 10.50% – 13.50% p.a. | — | Up to 20 years | Based on property | ₹5 lakh – ₹3 crore |
*Interest rates may vary based on credit profile, income stability & property type.
✨ PoketCare Pro Tip
Piramal is ideal if your ITR doesn’t reflect full income but bank statements do — their assessment is cash-flow friendly.
🧩 Which Piramal Home Loan Fits Which Borrower?
Piramal Finance is best known for profile-based lending, not rule-based rejection.
🎯 Best Match Guide
👨💼 Salaried with variable income: Regular Home Loan
🧑💻 Self-employed / professionals: Self-Employed Home Loan
🌍 NRIs: NRI Home Loan
🔁 High EMI elsewhere: Balance Transfer
🏠 Extra funds needed: Top-Up Loan
✨ PoketCare Pro Tip
If banks reject due to FOIR or low declared income, Piramal often approves using banking behaviour & net worth.
🛡️ Home Loan Insurance Recommendation
Home loan insurance protects your family and property from financial stress during uncertainties.
✅ Recommended Insurance Partners
-
ICICI Prudential Home Loan Shield
-
HDFC Life Group Credit Protect
-
Tata AIA Loan Suraksha
✨ PoketCare Pro Tip
Choose reducing cover insurance — premium stays lower and matches your outstanding loan balance.
👥 Ideal Borrowers & Eligibility Criteria
Piramal evaluates borrowers holistically — not just on salary slips.
✔ Eligible Applicants
- Salaried individuals
- Self-employed / business owners
- Professionals (CA, Doctor, Architect, Consultant)
- NRIs / PIOs
- Co-applicants allowed (spouse, parents)
📋 Eligibility Snapshot
- Age: 21–70 years (loan end age)
- Minimum CIBIL: 650+ (flexible)
- Income: Salary / business / professional income
- Property: Approved & legally clear
➕ Other Income Considered
- Rental income
- Business cash flow
- Bonus / incentives
- Partner income
- NRI remittances
✨ PoketCare Pro Tip
Add a working spouse or earning parent — Piramal considers combined family income to boost eligibility.
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📑 Documents Checklist – Simple & Clear
Documentation depends on income type but is less rigid than banks.
📄 Documents Table
| Borrower Type | KYC Documents | Income Proof | Property Documents |
|---|---|---|---|
| Salaried | Aadhaar, PAN, Address proof | Salary slips (3–6 months), Bank statements (6 months), Form 16 | Sale agreement, Title deed, Approved plan |
| Self-Employed | Aadhaar, PAN, Business proof | ITR (2–3 years), Bank statements, GST (if any) | Chain agreement, Valuation & legal report |
| NRIs | Passport, Visa, Overseas address proof | Salary slips / Contract, NRE/NRO statements | Indian property documents |
✨ PoketCare Pro Tip
Strong bank statements often matter more than ITR numbers with Piramal — keep them clean.
All Charges – Pre & Post Disbursement
Transparency helps better planning. Here’s what to expect.
💸 Charges Table
| Charge Type | Amount |
|---|---|
| Processing Fee | 1% – 2.5% of loan amount |
| Legal & Technical Fees | ₹8,000 – ₹25,000 |
| Documentation Charges | ₹3,000 – ₹6,000 |
| MODT / Mortgage Charges | As per state law |
| Prepayment Charges | Nil / 2% (case-based) |
| EMI Bounce Charges | ₹500 – ₹1,000 |
| Penal Interest | 2% – 3% monthly |
✨ PoketCare Pro Tip
Always negotiate processing fees — Piramal often offers discounts via PoketCare.
🌟 Benefits of Piramal Finance Home Loan
Designed for flexibility, not paperwork pressure.
🎁 Key Advantages
- 🤝 Higher approval for complex profiles
- 📊 Custom underwriting
- 🧾 Flexible income assessment
- 🕒 Faster decision for non-standard cases
- 🏠 High-value loan support
- 🔄 Balance transfer savings
- 💬 Human-led loan discussions
✨ PoketCare Pro Tip
Piramal works best when your profile needs human evaluation, not automated rejection.
🔗 Useful Links for Home Loan Borrowers
- 🔢 EMI Calculator: https://www.poketcare.in/home-loan-emi-calculator
- 📈 CIBIL Check: https://www.poketcare.in/check-cibil-score
- 🔁 Balance Transfer Guide: https://www.poketcare.in/home-loan-balance-transfer
- 🏡 Home Loan Guide: https://www.poketcare.in/home-loan
🏁 Conclusion
Piramal Finance Home Loan is a powerful option for borrowers who don’t fit traditional bank templates. With PoketCare’s AI + human expertise, you get honest guidance, better negotiation, and a higher chance of approval — without stress.