Transform Your Homeownership Goals Into Reality!

Your Dream Home Awaits with Simplified Loans and Attractive Interest Rates!

Home Loan

A home loan is the perfect financial solution to turn your dream of owning a house into reality. Whether you’re buying your first home, constructing a new house, or renovating your current property, our home loans are designed to provide affordable and flexible financing options.

Home Purchase Loan

For buying a new or resale residential property.

Available for ready-to-move or under-construction homes
Loan tenure up to 30 years
Attractive interest rates

Home Construction Loan

Designed for individuals planning to construct a house on a plot they own.

Disbursal in stages based on construction progress
Ideal for self-built homes

Home Renovation Loan

Finance for renovating or improving your existing home.

Covers repairs, painting, flooring, fittings, and more
Fast processing and short-term repayment

Home Extension Loan

For adding extra space—like an additional room, floor, or balcony.

Structured like a home loan
Flexible repayment options

Plot + Construction Loan

Buy a residential plot and build your home on it—both covered in one loan.

Combined disbursement for land and construction
Cost-effective than separate loans

Balance Transfer Home Loan

Transfer your existing home loan to CapiFy for lower interest and better terms.

Reduced EMIs
Top-up loan facility available

Key Features and Benefits

High Loan Amounts: Avail home loans up to ₹10 crore based on eligibility.*
- Attractive Interest Rates: Starting from 7.25% p.a.*
- Flexible Repayment Tenure: Choose repayment terms of up to 30 years for manageable EMIs.
- Balance Transfer Facility: Transfer your existing home loan to us at lower interest rates.
- Tax Benefits: Enjoy tax deductions on principal and interest repayment under applicable laws.
- Top-Up Loan Option: Access additional funds for personal or home-related expenses.

Eligibility Criteria To qualify for a home loan, you must meet the following requirements:
- Age: 21 to 65 years old at the end of the loan tenure.
- Income: Stable income from salaried or self-employed sources.
- Property: The property must meet our technical and legal requirements.
- Credit Score: A good credit score (750 or above) is preferred.

Required Documents Ensure a seamless application process by keeping the following documents ready:
1. Identity Proof: Aadhaar Card, PAN Card, Passport, Voter ID, or Driving License.
2. Address Proof: Utility bills, Passport, Aadhaar Card, or Ration Card.
3. Income Proof: Salary slips, Form 16, or ITR for self-employed individuals.
4. Bank Statements: Bank statements for the last 6 months.
5. Property Documents: Sale agreement, property title deed, or approved building plan.
6. Photographs: Recent passport-sized photographs.

Interest Rates and Charges
- Interest Rate: Starting from 7.25% p.a.*
- Processing Fee: 0.5% to 1% of the loan amount.
- Late Payment Charges: 2% per month on the overdue amount.
- Prepayment/Foreclosure Charges: Up to 2% of the outstanding principal for fixed-rate loans.

How to Apply
Applying for a home loan is straightforward. Follow these steps:
1. Application: Fill out the application form online or visit our branch.
2. Document Submission: Upload or submit the necessary documents.
3. Approval: Receive approval within 5-7 business days after verification.
4. Disbursement: Get funds disbursed directly to the property seller or builder.

Terms and conditions apply. Interest rates and charges are subject to change at the bank’s discretion.

💬 What Our Customers Say?

At CapiFy India, our success is measured by the trust and satisfaction of our clients. We’re proud to have helped thousands of individuals and businesses achieve their financial goals with transparent, hassle-free loan solutions.
Here’s what some of our happy customers have to say about their experience with us:

Dear CapiFy India Team, I would like to take a moment to sincerely thank you and your team for your prompt assistance and support in processing and approving my loan application. I truly appreciate the efficiency and professionalism with which you handled the entire process. Your guidance and prompt responses made the experience smooth and hassle-free. I am grateful for the trust and confidence you have placed in me, and I assure you that I will honor my commitments responsibly. Once again, thank you for your support. I look forward to a continued positive relationship with you.

Dear Team Capify India, I hope you are doing well. I am very thankful for the exceptional loan consultancy and financial guidance provided by your team. Your expertise and support have played a crucial role in helping me consolidate my loan and streamline my finances, making the entire process smooth and hassle-free. I want to extend my special appreciation to Mr. Prince Mishra, whose dedication, professionalism, and insightful advice have been invaluable. His deep understanding of financial solutions and his patient and client-centric approach made a significant difference in my loan consolidation journey. He guided me through the entire process and ensured that I made informed decisions best suited to my financial goals. Thanks to the efforts of Mr. Mishra and the entire Capify India team, I now have better financial stability and peace of mind. I truly appreciate your time, effort, and commitment to assisting clients like me. Once again, thank you for your outstanding support. I look forward to continuing this association and will recommend Capify India to anyone needing financial consultancy services.

Dear Team Capify India, Respect sir, Such a good service, I am very happy that you provide me. In future, I will tell my friends, my family take service from Capify India. Thank you & specialy thanks Mr. Prince Mishra. He is a very good person.

"Building Bridges to Business Success with CapiFy"

“At CapiFy, we proudly collaborate with the above-mentioned partners and numerous other esteemed institutions in the market, building trusted alliances to deliver innovative and reliable financial Directly & Indirectly”

Common Questions

Your most pressing inquiries answered.

What is the maximum loan amount I can apply for?

You can apply for up to ₹20,00,000 based on your eligibility.

Can I apply for a personal loan with a low credit score?

Yes, but the loan approval and interest rate may vary depending on your credit profile.

How can I check my loan application status?

You can track your application status through our online portal or customer service.

Does CapiFy India offer a Refer and Earn program?

Yes, you can earn rewards by referring others to avail of our financial services.

Need assistance with other queries?

If you have more questions or need further information, feel free to reach out to our customer service team. We’re here to help you with everything you need for a seamless experience.