DIY Home Loan Application Process Made Easy

Do-it-Yourself (DIY) Home Loan: Overview

Our Do-it-Yourself (DIY) Home Loan application feature is a fully integrated online journey that simplifies and accelerates your Home Loan application process. With this feature, you take charge of your loan application from start to finish, right from the comfort of your home.

Do-it-Yourself Home Loan: Features and Benefits

Digital Process

Apply for your Home Loan from anywhere, anytime without the need for physical document submission, streamlining the process online from application to approval.

Online Tools for Better Decision-Making

To help borrowers and applicants, we offer tools like the EMI calculator and the eligibility calculator. Use them to plan your Home Loan repayments and applications.

Loan Amount of up to Rs.15 Crore*

Don’t let the sanction amount be an issue when purchasing your dream home. Avail of a sizeable Home Loan of up to Rs.15 Crore*, depending on your eligibility.

Customized Repayment Options

With customised repayment options, you can purchase an under-construction property and pay only a part of EMIs initially.

Do-it-Yourself Home Loan Application: Documents Required

You need to submit the following documents as per your employment type:

Type of Document	Salaried Applicant	Self-Employed Applicant
Mandatory Documents	PAN Card or Form 97 (if the applicant does not have a PAN Card) (Note: PAN Card is mandatory for financial applicants/co applicants)	PAN Card or Form 97 (if the applicant does not have a PAN Card) (Note: PAN Card is mandatory for financial applicants/co applicants)
Proof of Identity	Valid Indian Passport Driving Licence Election/Voter’s Identity Card issued by the Election Commission of India Job Card issued under NREGA, duly signed by an officer of the State Government Letter issued by the National Population Register containing the name, address, and photograph of the cardholder Proof of possession of Aadhaar Number (to be obtained voluntarily)	Valid Indian Passport Driving License Election/Voter’s Identity Card issued by the Election Commission of India Job Card issued under NREGA, duly signed by an officer of the State Government Letter issued by the National Population Register containing the name, address, and photograph of the cardholder Proof of possession of Aadhaar Number (to be obtained voluntarily) Proof of Identity for Non-Individuals Udyam Registration Certificate (URC) issued by the Government Complete Income Tax Returns duly authenticated/acknowledged by the income tax authorities GST Certificate/Registration document issued by Sales/Service/Professional Tax authorities Utility bills such as electricity, water, landline telephone bills, gas, etc. in the name of the entity
Proof of Current Residence	Valid Indian Passport Driving Licence Election/Voter’s Identity Card issued by the Election Commission of India Job Card issued under NREGA, duly signed by an officer of the State Government Letter issued by the National Population Register (NPR) containing name and address Proof of possession of Aadhaar Number (to be obtained voluntarily)	Valid Indian Passport Driving Licence Election/Voter’s Identity Card issued by the Election Commission of India Job Card issued under NREGA, duly signed by an officer of the State Government Letter issued by the National Population Register (NPR) containing name and address Proof of possession of Aadhaar Number (to be obtained voluntarily) Proof of Current Residence for Non-Individuals Udyam Registration Certificate Business Registration Certificate GST Certificate Gumasta Licence (Shop Act Licence for Maharashtra) Utility bills Income Tax Returns (ITR) Rent Agreement with utility bill not older than 60 days
Date of Birth	Passport PAN Card Driving Licence Election/Voter’s Identity Card issued by the Election Commission of India Job Card issued under NREGA, duly signed by an officer of the State Government Letter issued by the National Population Register (NPR) containing name and address Aadhaar Card (to be obtained voluntarily) Birth Certificate	Passport PAN Card Driving Licence Election/Voter’s Identity Card issued by the Election Commission of India Job Card issued under NREGA, duly signed by an officer of the State Government Letter issued by the National Population Register (NPR) containing name and address Aadhaar Card (to be obtained voluntarily) Birth Certificate
Proof of Income	Last 3 months' salary slips Last 12 months' bank statements (consent to fetch banking from account aggregator) showing salary credits Bonus pay slip along with bank credits Employment Contract/Appointment Letter in case current employment is less than a year old	Consent to fetch the financials from the Income Tax & GST Portal of all the financial applicants Last 12 months' bank statement of primary business accounts & savings accounts (preferably account aggregator)
Property-related Documents	Fresh Property Purchase: Copy of Allotment Letter or Buyer’s Agreement Cost Sheet issued by the developer Receipts of initial payments made to the developer Resale Property Purchase: Title Deeds including previous chain of the property documents Receipt(s) of initial payment(s) made to the seller Copy of Sale Agreement (if already executed)/Draft Sale Deed Self-Construction: Title Deeds including previous chain of the property documents Construction estimate by an architect or civil engineer Copy of Plans, approved by local authorities Proof of no encumbrances on the property	Fresh Property Purchase: Copy of Allotment Letter or Buyer’s Agreement Receipts of initial payments made to the developer Resale Property Purchase: Title Deeds including previous chain of the property documents Receipt(s) of initial payment(s) made to the seller Copy of Sale Agreement (if already executed)/Draft Sale Deed Self-Construction: Title Deeds including previous chain of the property documents Construction estimate by an architect or civil engineer Copy of Plans, approved by local authorities Proof of no encumbrances on the property
Additional Documents	Passport-size photographs of all applicants and co-applicants. Proof of own contribution Bank statements of the last 6 months showing repayment of loans	Additional documents will be required for the entities below: Partnership Firm: Partnership Deed Limited Liability Partnership: LLP Agreement and Certificate of Incorporation, List of designated partners and latest profit-sharing ratio certified by CA/CS Public & Private Limited Co. (Even if only 1 Director): Certificate of Incorporation, Memorandum of Association (MOA), Articles of Association (AOA), and the latest CA/CS-certified list of Directors and Shareholders with name, date of birth, nationality, and address Trust: Trust Deed with the Registration Certificate, list of all beneficiaries, trustees, settlor(s), protector(s), and author(s) of the trust containing name and date of birth Society:Byelaws/Memorandum of a Society with Registration Certificate, list of members with name, address, and date of birth Authorised signatory along with KYC & Relationship Segment details in case of Private/Public Limited Companies/Limited Liability Partnerships/Partnership Firms/Trust/Society List of Directors & Senior Management details in case of Private/Public Limited Companies Legal Entity Identifier (LEI) Certificate of non-individual borrower having banking system exposure of Rs.5 Crore and above Passport-size photographs of all applicants and co-applicants Own contribution proof Bank statements of the last 6 months showing repayment of loans Cheque for processing fee towards the Home Loan provider Additional documents for Self-Employed Professionals: Qualification documents (Degree certificate) from a recognised institution Registration Certificate from the State Medical Council for MBBS or higher education Chartered Accountant (CA) – Certificate of Practice (COP)

Note: Additional documents may be required at the time of loan processing.

Do-it-Yourself Home Loan: Step to Apply

Follow the steps given below to apply for a DIY Home Loan:

Visit our DIY Home Loan page.
In the Application form, select Customer and enter your mobile number.
Once you enter your mobile number, click Send OTP to verify your mobile number.
Fill in the OTP you receive in the respective field and click Submit.
From the drop-down list, select the city in which your property is located.
After entering the city, you can check your Home Loan eligibility, and select Check Eligibility.
In the Loan Eligibility Form, enter all the required details and click Check Eligibility.
If you already know your Home Loan eligibility, you can select Apply Now.
In the Applicant Details Form, enter all the required details regarding the loan, property, reference, etc. Select Save & Proceed after filling in each form. Note: If you wish to save the application for later, select Save As Draft.
Next, upload the required documents.
Finally, you can review and submit the form.

Once completed, your application reaches our officials directly.

Do-it-Yourself FAQs:

If you submit all the documents while applying through DIY Home Loan, then there is no need to visit the branch.

While the Do-it-All-Yourself Home Loan application feature provides a self-sufficient experience; our branches are always available for any additional support or queries you may have.