A home loan or a housing loan is money that an individual borrows with the purpose of buying a home. The property acts as a collateral for the loan. The borrower has to repay the loan along with an agreed upon interest through monthly EMIs over a period of time i.e. the tenure of the loan.

What are the tenure and loan value for your Home Loan from us?

Muthoot FinCorp has provision for loan tenure up to 20 years for home loans in India. You can have a loan value as low as ₹3 Lakhs all the way to ₹1 Crore. As housing finance uses the house purchased to secure the loan as collateral, the interest rate is lower than unsecured loans. Based on your income and comfort, you can opt for fixed or flexible repayment options.

Can I reduce my Home Loan tenure in case of rate hike?

Yes, as we offer flexible terms and conditions on our home loans giving you the flexibility to reduce the loan tenure. Please contact your nearest Muthoot FinCorp branch or call our customer care representative at 1800 102 1616 for more details.

What are the documents required to apply for a Home Loan at Muthoot FinCorp Ltd.?

> We are bound by a follow KYC forms as per the regulator's guidelines. You will be required to furnish documents for age, income, and address. The list of documents is given below: Proof of Residence Attested photo copy of any one of the following:Ration CardPassportDriving LicenceBank Account StatementVoter's ID Card Documents Required Current Telephone / Electricity / Gas Bill / Water Bill / Property Tax Proof of Identity Attested photocopy of any one of the following:Passport Driving Licence Aadhar Card (UIDAI) Letter confirming identity from a commercial bank Employee ID Card if issued by Central / State Government undertaking Voter's ID Card Pan Card Income Documents Salaried Individual Salary Slip of last 3 months of Salary certificate issued by employer in absence of salary slip Bank Statement for the last 12 months ITR for last 2 years if available Income Documents Business Individual Business ownership proof documents like license, rent agreement of shop etc. Income documents like purchase bills, sales bills, sales register etc. Bank statement for last 12 months ITR for last 2 years if available.

What are the benefits available for a Home Loan borrower?

A borrower benefits immensely from a home loan and we share the major ones with you:Owning a home is one of the biggest dreams of every individual irrespective of their age, income or location - and a home loan's biggest benefit is that it helps the borrower fulfill this dream with easy installment options. They can buy a bigger home or a better locality with confidence. Another additional benefit fo the borrower is that there is no need to spend lacks of Rupees to buy and start living in a self-owned home. A home loan spreads the amount over several years. making it easy to repay the amount with interest. Most borrowers benefit from the fact that the EMI for a home loan is equal to or slightly higher than the amount they pay as monthly rent to their landlord. A loan gives them the freedom to enjoy their home without any interference from the landlord The price of a property will always increase with time and investing in one with a home loan will benefit the borrower.

Home Loans

The Right Loan is the Key to Your Happy Home.

Tailored loans, speedy approvals & a hassle-free journey to homeownership

Loans up to ₹1 Crore
Flexible Tenure ranging from 3 months to 240 months
Available in Floating and Fixed interest rate options

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Muthoot FinCorp Home Loan

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Our Offerings For You

Key Features with Descriptions

Home Loan Calculator

Loan Amount

₹10,000

₹2490000vvv

Interest Rate(% P.A)

12%

Tenure (Years)

Monthly EMI

₹ 0

Principal Amount

₹ 0

Interest Amount

₹ 0

Total Amount Payable

₹ 0

Housing Loan In Just 4 Steps

01
Submit Your Requirements
02
Share Your Documents
03
Document and Property Verification
04
Get Your Loan Approval, Hassle-free

Why Choose Muthoot FinCorp for Home Loans ?

At Muthoot FinCorp, trust and reliability are at the heart of everything we do. With decades of proven experience, we offer home loans ranging from ₹3 lakhs to ₹1 crore, backed by flexible repayment tenures of up to 20 years to suit your unique needs. Our dual interest rate options—fixed and floating—ensure you have the freedom to choose what works best for you. We proudly support customers from all walks of life through inclusive eligibility programs for low-income groups and innovative income assessment methods tailored for self-employed individuals. Covering a wide range of purposes from fresh purchases and resale to construction, renovation, and balance transfers, Muthoot FinCorp is your trusted partner committed to making homeownership accessible, simple, and secure.