At Shrinath Consultancy and Sales Pvt. Ltd., we believe in building trust through transparency, performance, and expert financial guidance. Founded in 2020 and headquartered in Udaipur, Rajasthan, we specialize in providing consultancy and support services related to financial intermediation, business development, and strategic sales solutions.
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Home Loan
Start Your Home Loan Journey Today!
Don’t let financial barriers hold you back from owning your dream home. At Shrinath Sales, we help you build your future, one brick at a time. Apply for a Home Loan today and take the first step toward turning your homeownership dream into reality.
Bank of India
- Interest Rate 10.65% - 12.15%
- Loan Amount ₹5L - ₹7.5Cr
- EMI Per Lakh ₹2,157 - ₹2,232
- Processing Fees Up to 1% of loan amount + GST
Punjab & Sind Bank
- Interest Rate 7.55% - 10.6%
- Loan Amount ₹5L - ₹5Cr
- EMI Per Lakh ₹2,006 - ₹2,154
- Processing Fees Up to 1% of loan amount + GST
Punjab National Bank
- Interest Rate 8.5% - 10.8%
- Loan Amount ₹1L - ₹5Cr
- EMI Per Lakh ₹2,052 - ₹2,164
- Processing Fees Up to 1% of the loan amount
State Bank of India
- Interest Rate 7.5% - 8.95%
- Loan Amount ₹5L - ₹40Cr
- EMI Per Lakh ₹2,004 - ₹2,073
- Processing Fees Up to 1% of the loan amount
Bank of Maharashtra
- Interest Rate 7.35% - 10.15%
- Loan Amount ₹10L - ₹2Cr
- EMI Per Lakh ₹1,997 - ₹2,132
- Processing Fees Up to 1% of the loan amount
Bank of Baroda
- Interest Rate 9.15% - 10.2%
- Loan Amount ₹10L - ₹10Cr
- EMI Per Lakh ₹2,083 - ₹2,135
- Processing Fees Up to 1% of the loan amount
Indian bank
- Interest Rate 9.45% - 9.65%
- Loan Amount ₹5L - ₹75L
- EMI Per Lakh ₹2,098 - ₹2,108
- Processing Fees Up to 1% of loan amount
Canara Bank
- Interest Rate 7.4% - 10.25%
- Loan Amount ₹10L - ₹50L
- EMI Per Lakh ₹1,999 - ₹2,137
- Processing Fees Up to 1% of loan amount + GST
Union Bank of India
- Interest Rate 11.4% - 12.65%
- Loan Amount ₹5L - ₹2Cr
- EMI Per Lakh ₹2,194 - ₹2,257
- Processing Fees Up to 1% of the loan amount
karur Vysya Bank
- Interest Rate 11.99% - 11.4%
- Loan Amount ₹5L - ₹3Cr
- EMI Per Lakh ₹2,224 - ₹2,194
- Processing Fees Upto 3% of the Loan Amount
Reliance Capital
- Interest Rate 9.75% - 15%
- Loan Amount ₹7.5L - ₹3Cr
- EMI Per Lakh ₹2,112 - ₹2,379
- Processing Fees Upto 5% of the loan amount
YES Bank
- Interest Rate 9.25% - 10%
- Loan Amount ₹10L - ₹10Cr
- EMI Per Lakh ₹2,088 - ₹2,125
- Processing Fees Up to 1.5% or Rs. 10000 whichever is higher (GST additional)
ICICI Bank
- Interest Rate 8.75% - 11.2%
- Loan Amount ₹3L - ₹5Cr
- EMI Per Lakh ₹2,064 - ₹2,184
- Processing Fees Up to 2% of loan amount
Federal Bank
- Interest Rate 8.75% - 18%
- Loan Amount ₹15L - ₹15Cr
- EMI Per Lakh ₹2,064 - ₹2,539
- Processing Fees Up to 3% of loan amount
Axis Bank
- Interest Rate 8.35% - 14%
- Loan Amount ₹1L - ₹5Cr
- EMI Per Lakh ₹2,044 - ₹2,327
- Processing Fees Up to 1% of the loan amount or ₹10,000 (whichever is higher) + GST (as applicable)
RBL Bank
- Interest Rate 8.2% - 11.55%
- Loan Amount ₹1L - ₹15Cr
- EMI Per Lakh ₹2,037 - ₹2,202
- Processing Fees Up to 2% of loan amount
Kotak Bank
- Interest Rate 7.99% - 12%
- Loan Amount ₹10L - ₹10Cr
- EMI Per Lakh ₹2,027 - ₹2,224
- Processing Fees Up to 2% of loan amount
IndusInd Bank
- Interest Rate 7.9% - 9.55%
- Loan Amount Up to ₹75L
- EMI Per Lakh ₹2,023 - ₹2,103
- Processing Fees Upto 1% of loan amount
IDBI Bank Home Loan
- Interest Rate 7.55% - 12.15%
- Loan Amount ₹10K - ₹50Cr
- EMI Per Lakh ₹2,006 - ₹2,232
- Processing Fees For Dropline OD: 1% of the limit subject to a maximum of Rs 10 lakh.
Housing Development Finance Corporation
- Interest Rate 10.6% - 13.2%
- Loan Amount ₹1L - ₹1Cr
- EMI Per Lakh ₹2,154 - ₹2,286
- Processing Fees Up to Rs 4,999
DCB Bank
- Interest Rate 9.75% - 14.5%
- Loan Amount ₹2L - ₹3Cr
- EMI Per Lakh ₹2,112 - ₹2,353
- Processing Fees Upto 2% of the loan amount
IDFC FIRST Bank
- Interest Rate 8.85% - 10.5%
- Loan Amount ₹1L - ₹10Cr
- EMI Per Lakh ₹2,069 - ₹2,149
- Processing Fees Up to 3.5% of the loan amount
Deutsche Bank
- Interest Rate 8.75% - 10%
- Loan Amount ₹5L - ₹25Cr
- EMI Per Lakh ₹2,064 - ₹2,125
- Processing Fees Upto 1% of the loan amount
karnataka bank
- Interest Rate 8.72% - 10.86%
- Loan Amount ₹20L - ₹7.5Cr
- EMI Per Lakh ₹2,062 - ₹2,167
- Processing Fees Up to 0.25% of loan amount
HDFC Sales Home Loan
- Interest Rate 8.35% - 12.5%
- Loan Amount ₹5L - ₹10Cr
- EMI Per Lakh ₹2,044 - ₹2,250
- Processing Fees Up to 1% of the loan amount
CITI Bank
- Interest Rate 8% - 14%
- Loan Amount ₹1L - ₹5Cr
- EMI Per Lakh ₹2,028 - ₹2,327
- Processing Fees Up to 3% of the borrowed loan amount
HDFC Bank Home Loan
- Interest Rate 7.9% - 13.2%
- Loan Amount ₹1L - ₹10Cr
- EMI Per Lakh ₹2,023 - ₹2,286
- Processing Fees Upto 1.50 % of the Loan amount or upto Rs. 5000/- whichever is higher+ applicable taxes
HSBC Home Loan
- Interest Rate 7.7% - 12.75%
- Loan Amount ₹3L - ₹30Cr
- EMI Per Lakh ₹2,013 - ₹2,263
- Processing Fees Upto 1% of the loan amount sanctioned or INR10,000, whichever is higher
LIC Housing Finance Home Loan
- Interest Rate 7.5% - 8.85%
- Loan Amount ₹1L - ₹15Cr
- EMI Per Lakh ₹2,004 - ₹2,069
- Processing Fees Up to 1% of loan amount + GST
Clix Capital Home Loan
- Interest Rate 15% - 25%
- Loan Amount ₹2L - ₹2Cr
- EMI Per Lakh ₹2,379 - ₹2,935
- Processing Fees Up to 10% of loan sanctioned
Vastu Housing Finance Home Loan
- Interest Rate 12.5% - 19.5%
- Loan Amount ₹5L - ₹3Cr
- EMI Per Lakh ₹2,250 - ₹2,622
- Processing Fees Up to 3.5% of the loan amount + GST
Aadhar housing Finance Home Loan
- Interest Rate 11.75% - 17%
- Loan Amount ₹1L - ₹1Cr
- EMI Per Lakh ₹2,212 - ₹2,485
- Processing Fees Up to Rs 3,500
Muthoot Finance Ltd Home Loan
- Interest Rate 11% - 19%
- Loan Amount ₹3L - ₹50L
- EMI Per Lakh ₹2,174 - ₹2,594
- Processing Fees Up to 2% of the loan amount
Edelweiss Financial Services Home Loan
- Interest Rate 10.5% - 10.9%
- Loan Amount ₹5L - ₹5Cr
- EMI Per Lakh ₹2,149 - ₹2,169
- Processing Fees --
Hero Housing Finance Home Loan
- Interest Rate 9.5% - 18%
- Loan Amount ₹1L - ₹3Cr
- EMI Per Lakh ₹2,100 - ₹2,539
- Processing Fees Initial Processing Fees- Up to Rs 5,000 Processing Fees including initial processing fee Up to 1% for cheque salaried Up to 3% for othersc
Capri Global Home Loan
- Interest Rate 9.5% - 12.75%
- Loan Amount ₹5L - ₹50L
- EMI Per Lakh ₹2,100 - ₹2,263
- Processing Fees Upto Rs 2,000
Capital First Ltd. Home Loan
- Interest Rate 9% - 11.5%
- Loan Amount ₹5L - ₹25Cr
- EMI Per Lakh ₹2,076 - ₹2,199
- Processing Fees Rs. 2000 (For loan amount up to Rs. 10 lakh
Capital FirIIFL Finance Home Loanst Ltd. Home Loan
- Interest Rate 8.75% - 17%
- Loan Amount ₹1L - ₹2Cr
- EMI Per Lakh ₹2,064 - ₹2,485
- Processing Fees Up to 2%-6% of loan amount
DHFL Home Loan
- Interest Rate 8.55% - 11%
- Loan Amount ₹1L - ₹7Cr
- EMI Per Lakh ₹2,054 - ₹2,174
- Processing Fees Up to 3% of loan amount
Tata Capital Housing Finance Limited Home Loan
- Interest Rate 8.5% - 16%
- Loan Amount ₹5L - ₹7.5Cr
- EMI Per Lakh ₹2,052 - ₹2,432
- Processing Fees Up to 3% of the loan amount + GST
Punjab National Bank Housing Finance Home Loan
- Interest Rate 8.25% - 10.65%
- Loan Amount ₹1L - ₹5Cr
- EMI Per Lakh ₹2,040 - ₹2,157
- Processing Fees Upto 1% of the loan amount
Cholamandalam Finance Home Loan
- Interest Rate 13% - 19%
- Loan Amount ₹5L - ₹50L
- EMI Per Lakh ₹2,275 - ₹2,594
- Processing Fees Up to 1.5% of the loan amount
Home First Finance Company Home Loan
- Interest Rate 11.9% - 15%
- Loan Amount ₹20K - ₹75L
- EMI Per Lakh ₹2,219 - ₹2,379
- Processing Fees Upto Rs 2,000 + GST
Hero FinCorp Home Loan
- Interest Rate 11% - 17%
- Loan Amount ₹10L - ₹5Cr
- EMI Per Lakh ₹2,174 - ₹2,485
- Processing Fees Upto 2.5% of the loan amount + applicable taxes
Ujjivan Small Finance Bank Home Loan
- Interest Rate 10.75% - 17.99%
- Loan Amount ₹2L - ₹75L
- EMI Per Lakh ₹2,162 - ₹2,539
- Processing Fees ₹ 3,350 + GST applicable (Non – refundable)
SMFG India Credit Company Ltd Home Loan
- Interest Rate 10% - 11%
- Loan Amount ₹5L - ₹5Cr
- EMI Per Lakh ₹2,125 - ₹2,174
- Processing Fees Up to 3% of the loan amount
Poonawalla Fincorp Limited Home Loan
- Interest Rate 9.5% - 22%
- Loan Amount ₹5L - ₹1Cr
- EMI Per Lakh ₹2,100 - ₹2,762
- Processing Fees one-time nominal processing fee up to 3% plus applicable taxes.
Piramal Finance Home Loan
- Interest Rate 9% - 20.15%
- Loan Amount ₹5L - ₹2Cr
- EMI Per Lakh ₹2,076 - ₹2,658
- Processing Fees Up to 1% of the loan amount
IndiaBulls Home Loan
- Interest Rate 8.75% - 12.5%
- Loan Amount ₹10L - ₹5Cr
- EMI Per Lakh ₹2,064 - ₹2,250
- Processing Fees 3% onwards
L&T Finance Home Loan
- Interest Rate 8.7% - 17%
- Loan Amount ₹20L - ₹10Cr
- EMI Per Lakh ₹2,061 - ₹2,485
- Processing Fees Up to 3% of sanctioned amount + applicable taxes
Godrej Housing Finance Home Loan
- Interest Rate 8.55% - 11%
- Loan Amount ₹5L - ₹10Cr
- EMI Per Lakh ₹2,054 - ₹2,174
- Processing Fees Up to 3% of loan amount
Aditya Birla Finance Limited Home Loan
- Interest Rate 8.5% - 12.35%
- Loan Amount ₹20L - ₹10Cr
- EMI Per Lakh ₹2,052 - ₹2,242
- Processing Fees Up to 1% of the loan amount
Bajaj Finserv Home Loan
- Interest Rate 7.35% - 18%
- Loan Amount ₹1L - ₹15Cr
- EMI Per Lakh ₹1,997 - ₹2,539
- Processing Fees Up to 4% of the loan amount + GST and other applicable statutory levies
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Features & Benefits of Our Home Loans
Buying a home is a big milestone, and at Shrinath Sales, we make your journey simple, transparent, and rewarding. Our home loans are designed to fit your financial comfort and bring you closer to your dream home faster.
Attractive Interest Rates
Enjoy competitive interest rates starting at low percentages, reducing your overall cost of borrowing.High Loan Amount Eligibility
Finance up to 90% of your property’s value based on your profile and repayment capacity.Flexible Repayment Tenure
Choose repayment periods up to 30 years, ensuring comfortable EMIs that fit your monthly budget.Quick & Hassle-Free Processing
Experience instant approvals with minimal documentation and complete digital processing.Balance Transfer Facility
Already have a home loan? Easily transfer it to us and save more with reduced interest rates.Top-Up Loan Option
Need extra funds for renovation or interiors? Avail additional credit over your existing loan with quick approval.Customized Repayment Plans
Choose between fixed or floating rate options, step-up EMIs, or other flexible repayment methods.Transparent Charges
No hidden costs — all fees and charges are clearly mentioned upfront.
Benefits of Choosing Shrinath Sales Home Loan
Low EMIs for Long Tenure Plans – Make repayments easier with smaller EMIs spread over time.
Tax Benefits – Claim deductions on both principal and interest paid under Sections 80C and 24(b) of the Income Tax Act.
Expert Guidance – Our specialists help you select the best loan product suited to your goals.
Secure & Paperless Process – Bank-grade data security with fully digital applications.
Pre-Approved Offers – Existing customers enjoy special pre-approved loan offers for faster disbursals.
Improved Property Validation – Our partner banks ensure the property’s legal and technical verification, giving you peace of mind.
Home Loan Fees & Charges
1. Processing Fee
A one-time charge applied when you apply for a home loan.
Amount: Usually between 0.25% to 1% of the loan amount or a fixed fee (depending on the lender).
2. Legal & Technical Evaluation Charges
Before disbursal, the lender conducts a legal and technical check on the property.
Amount: ₹2,000 – ₹10,000 (varies by property and city).
3. Documentation / Stamp Duty Charges
Charges for agreement execution and loan documentation.
Amount: As per state stamp duty laws.
4. Prepayment / Foreclosure Charges
If you repay your loan before the tenure ends.
Floating Rate Loans: Usually No Charges (as per RBI guidelines).
Fixed Rate Loans: Up to 2%–3% of outstanding principal.
5. Part-Payment Charges
When you pay an additional amount apart from your regular EMI.
Amount: 0%–2% of the prepaid sum (depends on lender policy).
6. Conversion / Switching Charges
If you wish to switch from a fixed to a floating interest rate (or vice versa).
Amount: 0.25%–0.5% of the outstanding principal.
7. EMI Bounce / Late Payment Charges
Applied when your EMI payment fails due to insufficient funds.
Amount: ₹500 – ₹1,000 per bounce (plus GST).
8. Statement / Certificate Reissuance Fee
If you request duplicate statements or loan certificates.
Amount: ₹200 – ₹500 per document (varies by lender).
9. Administrative or Service Charges
Covers loan maintenance and account handling during the tenure.
Amount: Nominal or included in the processing fee.
Required Home Loan Documents
When applying for a home loan, submitting the correct documents helps ensure a smooth and fast approval. Here’s a complete checklist of what you’ll need — whether you’re salaried, self-employed, or an NRI applicant.
Common Documents for All Applicants
These are mandatory for every borrower, regardless of profession or income type:
✅ Duly filled & signed loan application form
✅ Passport-size photographs (2–4 copies)
✅ Proof of Identity (Any one):
PAN Card / Passport / Aadhaar Card / Voter ID / Driving Licence✅ Proof of Residence (Any one):
Aadhaar Card / Passport / Utility Bill / Rent Agreement✅ Bank Account Statements for the last 6 months (some banks may ask for 12 months)
✅ Processing Fee Cheque (in favor of the lender)
For Salaried Individuals
If you are a salaried employee, you’ll need:
Latest 3 months’ salary slips
Form 16 or Income Tax Returns (ITR) for the last 2 years
Appointment letter / employment certificate (in some cases)
Latest 6 months’ bank statement showing salary credits
For Self-Employed / Business Owners
If you run a business or are self-employed, prepare:
Business proof – GST registration, trade license, or business registration certificate
Income Tax Returns (ITR) for the last 2–3 years with computation
Audited financial statements (Profit & Loss, Balance Sheet)
Business bank statements (minimum last 12 months)
Proof of office address (utility bill / property tax receipt / lease agreement)
For NRI Applicants
If you are a Non-Resident Indian (NRI), lenders may require:
Valid passport & visa copy
Employment contract or appointment letter
Salary slips / income proof from abroad
Overseas bank account statements (6 months)
Indian NRE / NRO account statements (6 months)
Power of Attorney (POA) – in favor of a local representative
Property-related documents as listed below
Property-Related Documents
These are essential for verifying the property’s ownership and legality:
Copy of Sale Agreement / Allotment Letter
Title Deed / Mother Deed / Previous chain of property documents
Latest property tax receipt & utility bill
Approved building plan / layout plan
No Objection Certificate (NOC) from the builder or society (if applicable)
Possession Certificate / Occupancy Certificate (for ready property)
Additional Documents (If Applicable)
Co-applicant’s KYC and income proof (if applying jointly)
Proof of down payment or margin money (receipts / bank statement)
Any existing loan statements (if refinancing or balance transfer)
