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PIRAMAL Loan Against Property

PIRAMAL Loan Against Property


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Overview PIRAMAL Loan Against Property

Piramal loan against property is offered by Piramal Housing Finance at competitive interest rates starting from 9.75% per annum.

Piramal loan against property - interest rates

Mentioned below are the details on Piramal loan against property, such as interest rates, loan amount and loan tenure as offered by Piramal Housing Finance.

  • Interest rates - 9.75% per annum onwards
  • Tenure - maximum 20 years
  • Loan amount - maximum Rs. 10 crores

Piramal loan against property – top features

Here are the noteworthy features of loan against property offered by Piramal Housing Finance Ltd:

  • Home loans are offered against residential and commercial properties
  • A home loan can also be availed for buying a resale property
  • A home loan of up to 75% of the current market value of the property is offered. The loan amount can range between Rs. 10 lakhs to 10 crores
  • The maximum loan tenure offered is 20 years
  • The loan against property application can be made individually or jointly
  • Applicants can combine income from immediate family members while applying
  • Interest rates start from 9.75% per annum

How to apply for Piramal Housing Finance loan against property?

Piramal Housing Finance offers loans against property through an online process, which is very simple to follow. For this, an applicant can go to the financial institution’s official website and fill-up the form. The details to be filled in the form are as follows:

  • Applicant’s full name
  • Email ID
  • Mobile number
  • City of residence
  • Type of loan being applied for
  • Captcha

After these details are submitted, executives from Piramal Housing Finance loan against property reach out to the applicant at the earliest.

Piramal loan against property - eligibility criteria

Here are the eligibility criteria for a Piramal loan against property:

  • The applicant can be a salaried or self-employed individuals
  • The home loan can also be availed by proprietorship firms, private limited companies or closely held limited companies
  • The income of close family members can be clubbed
  • Incomes of siblings can also be clubbed if they are co-owners of the property

Piramal loan against property - documents required

The documentation process is one of the most crucial steps to be followed for a home loan application. If an applicant submits incomplete or unauthenticated documents, the home loan application may be rejected by Piramal Housing Finance. Therefore, to avoid any such scenarios, one must ensure to have all the documents as stated below:

  • ID proof – accepted documents include passport/ PAN/ Aadhaar Card/ Driving License/ Voter ID Card
  • Residential proof – accepted documents include Passport/ Ration Card/ Aadhar Card/ Driving License/ Voter ID Card
  • Proof of age – accepted documents include Passport/ Ration Card/ Driving License/ Birth Certificate (issued by Government body)/ School leaving certificate (10th)
  • Proof of employment for a salaried customer –
    • ID card stating the date of joining or appointment letter. 
  • Proof of employment for self-employed professionals and non-professionals –
    • Shops and establishment certificate, 
    • Trade license certificate, 
    • SSI Registration Certificate, 
    • Sales Tax / VAT /GST, 
    • Registration certificate, 
    • proof of professional qualification along with the documents mentioned above are required for self-employed professionals
  • Income documents for salaried customers:
    • Payslips of last 3 months.
    • Latest Form 16 or ITR
    • Performance appraisal letter or bonus letter 
  • Income documents for self-employed customers:
    • ITRs for the past 2 years stating computation of income, P&L, Balance sheet and auditors report
    • Financials should have been audited as per regulations or if annual turnover is above Rs. 2 crores

Piramal loan against property - EMI Calculator

One can use a loan calculator to know the EMI amount to be paid after getting approval for the Piramal Housing Finance loan against the property. The EMI calculator requires details like:

  • interest rate, 
  • loan tenure 
  • loan amount 

Once these details are entered, the calculator will show the approximate EMI amount within seconds.

About Piramal Housing Finance Loan Against Property

A loan against property is not the same as a housing loan. While the former is provided against owned property, the latter is borrowed for purchasing a new home or property. Piramal Housing Finance offers both housing loans and loans against property.

If you are in a situation where you require a large amount of funds, your property can be your biggest asset. You can make use of this asset to avail a loan against it and manage your finances easily. Piramal Housing Finance loan against property is a unique way of availing finances against your property. The interest rates are significantly low as compared to other lenders in the market. This helps borrowers avail of a loan at an affordable EMI.

End Note

Borrow a Piramal loan against a property if you want to avail one of the best interest rates and other loan terms while buying your dream home. Know all the terms and conditions before finalizing the loan.


1. What is the tenure for Piramal Housing Loans?

Piramal loans against property tenure can vary between 5 to 30 years. The lending institution will offer home loan tenures as per factors such as eligibility criteria and the applicant’s profile.

2. Are there any tax benefits under home loans?

Yes, home loan applicants can claim tax benefits under section 24 of the income tax act.

3. Which are the home loan schemes offered by Piramal Housing Finance?

Piramal Capital and Housing Finance offer a range of home loans including, home construction loans, home renovation loans, home extension loans, and home loan balance transfers.

4. What is the Piramal loan against property customer care number?

Piramal loans against property customers can reach out to the financial institution’s executives using the customer care number 1800 266 6444.

5. What is the Piramal home loan interest rate?

Piramal housing finance offers home loans at interest rates starting from 9.75% per annum.

6. Can I get a loan against a property without income proof?

While availing of a loan against property from Piramal housing finance, you will need to submit income proof in the form of payslips if you are a salaried individual or income tax returns of the past 2 years of you are self-employed.

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