When you have no money, it is indeed helpful if you could get a 100% financing for purchasing a house. However, the law does not allow that. As per the RBI rules, the following range is mandated across all banks in India.
|Loan Amount||Maximum Loan Amount|
|Up to INR 30 Lakhs||Up to 90% financing|
|Above INR 30 Lakhs and up to INR 75 Lakhs||Up to 80% of financing|
|Above INR 75 Lakhs||Up to 75% of financing|
Getting a home loan without a down payment seems not possible. Hence keeping this mind, plan ahead to gather funds for the margin amount.
Additional Reading: Applying for a Home Loan? 4 Things to Keep in Mind