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How to Get a Piramal Home Loan

Piramal home loans are offered by Piramal Capital and Housing Finance. These home loans are designed to provide credit at affordable interest rates starting at 9.75%. Read on to know more about Piramal home loans.

What are the benefits offered by Piramal home loan?

Some of the benefits to be availed from Piramal home loans are:

  • Hassle-free loan application process
  • Flexible repayment options
  • Longer repayment tenure

Interest rates on Piramal home loan

The ongoing interest rate on Piramal home loans starts at 9.75% per annum. These interest rates are subject to frequent changes depending on announcements made by RBI. Also, the central bank’s repo rate will have an impact on ongoing interest rates.

Process to apply for Piramal home loans

Follow the below-mentioned steps to apply for Piramal home loans:

  • Go to the official website of Piramal home loans
  • From the overview section click on “Quick Apply”
  • Provide the required details for a bank executive to get in touch for further process

Processing fees & charges on Piramal home loans

Here are the various fees applicable on Piramal home loans:

Fees and ChargesDetails

Processing Fees

  • Processing fees of up to 3 % on loan amount
  • Applicable taxes that are payable before loan disbursement 
  • In case of cancellation, withdrawal or rejection of home loan application, lower of – 
    • minimum charges Rs. 5,000/- + applicable taxes or
    • the initial processing fee will be applied

Part Payment/Pre-closure charges

  • Home loans availed by individuals at floating interest rates does not attract foreclosure charges
  • Home loans availed by an individual at a fixed interest rate will attract 2% charges calculated on the principal amount of loan + applicable taxes.
  • Home loans availed by non-individuals at a floating or fixed interest rate will attract 2% charges calculated on the principal loan amount + applicable taxes.

Documents deposited with the Lender

Rs. 500/- + applicable taxes

Statement of loan Pre-closure

Rs. 1,000/- + applicable taxes

Statement of loan account

Free once per year

For any additional requests, Rs. 500 + applicable taxes

Loan repayment schedule request

Rs. 500/- + applicable taxes

Additional fees

2% p.m. + applicable taxes applicable on the outstanding loan amount. This is applied for non-compliance of loan terms and conditions and for the period of noncompliance until meets the satisfaction of the Lender.

Issuance charges for No Dues certificate 

Free for 1st request

Subsequent requests Rs.500/- + applicable taxes

Retrieval of original property documents

Rs. 2,000 + applicable taxes

Photocopy of documents

Rs. 1,000/- + applicable taxes

Piramal home loan eligibility

Mentioned below are the eligibility criteria for availing of a home loan from Piramal housing finance:


Applicant Type




Minimum - 21 years

Maximum – 

a. Govt employees – 70 yrs considering pension b. Others – 62 yrs 

Minimum - 23 years

Maximum - 70 years

Profession type

Employed in a

  • Govt. organisation
  • Public sector company
  • Private sector company
  • Partnership company
  • Proprietorship
  • Trust or NGO

Self Employed Professionals:

  • Self Employed, 
  • Business Owners, 
  • Proprietors, 
  • Partners of Partnership companies
  • Promoters of private and public limited companies
  • Qualified CA, Doctor, and Architect
  • Directors of public companies come underemployed category

Piramal home loan EMI calculator

The online home loan EMI calculator offered by Piramal Housing Finance can help home loan borrowers know the approximate loan instalment amounts that they will have to pay every month towards home loan repayment

There are many other online EMI calculators available for calculating home loan EMI. Most of these are for free. These are easy to use and can provide instant results as per the home loan parameters input into the calculator. Some of the details to be input include the loan amount, interest rate and loan tenure. A home loan borrower can use multiple combinations of these parameters to check the best suitable EMI before actually borrowing a home loan.

End Note

Owning your dream home is easy with Piramal home loans. The lender ensures a hassle-free loan application process with maximum transparency. There is a dedicated relationship manager allocated and always available on-call if needed for any form of help related to a home loan, such as understanding of the application process, loan terms, etc.

Since the loan comes with flexible repayment options, you can take charge of your finances and plan them well. Every loan application is processed quickly and the loan allows you to buy your dream home easily, whether a new construction or resale property.


1. What is the loan tenure in Piramal home loans?

Piramal home loan tenures can vary anywhere from 5 to 30 years. The lender may modify home loan tenures as per factors associated with the specific home loan and eligibility criteria met by the applicant.

2. Are there any tax benefits under home loans?

Home loan applicants can avail of tax benefits as per section 24 of the Income-tax act.

3. Has Piramal Housing Finance reduced home loan rates?

Piramal home loan interest rates start at 9.75% per annum. The lender is known to offer one of the most competitive interest rates on home loans across the country.

4. Why should I opt for a balance transfer to Piramal Housing Finance?

Through a balance transfer of a home loan to Piramal housing finance, a loan borrower can save substantially on the interest outflow. This is because Piramal housing finance offers one of the most competitive interest rates in the country.

5. Can I combine my income with a family member’s to improve eligibility for a higher loan amount from Piramal Housing Finance?

Yes, Piramal Housing Finance allows home loan borrowers to combine their income with a close family member, including spouse, parents, or children. This can result in a higher loan amount and improve eligibility for a home loan from this lender.

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