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