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Get loan from Home Credit, even if you do not have a credit history

Quick, Easy & Convenient Loans

Only 2 Documents Required

  • Any <font color='red'>ONE</font> of the below documents

    PAN Card is compulsory for all loans

      • PAN Card1
        Or 
        Form No. 603
       
  • Any <font color='red'>ONE</font> of the below documents

    Any ONE of the below documents

      • Voter ID
      • Passport2
      • Driving Licence2
      • Masked Aadhaar
  • PAN Card is compulsory for all loans
  • Expiry of the Passport/Driving License should not be within three months of application
  • If the Customer doesn’t have the PAN, the Customer needs to provide Form No. 60 (as per Income Tax Rules, 1962, as amended from time to time)

In certain cases, additional income proofs/documents may be required. 

Eligibility Criteria

Eligibility

The applicant must meet the following criteria:

  • Be an Indian citizen aged between 18 and 60 years.
  • Have valid ID proof and current address proof.
  • Be employed, self-employed, or a pensioner.
  • Maintain an active bank account.
  • Ensure a minimum 90-day interval between two Home Credit loan applications.
  • Demonstrate a monthly household income exceeding ₹25,000. "Household" refers to an individual family unit comprising a husband, wife, and their unmarried children.

Loan Amount

Up to ₹ 75,000

Loan Term

Up to 13 months

Minimum advance cash/
down payment

0% - 33% depending
on commodity price

Fees & Charges

 

Glossary of Fee & Charges

Eligibility

The applicant must meet the following criteria:

  • Be an Indian citizen aged between 18 and 60 years.
  • Have valid ID proof and current address proof.
  • Be employed, self-employed, or a pensioner.
  • Maintain an active bank account.
  • Ensure a minimum 90-day interval between two Home Credit loan applications.
  • Demonstrate a monthly household income exceeding ₹25,000. "Household" refers to an individual family unit comprising a husband, wife, and their unmarried children.

Loan Amount

Up to ₹ 75,000

Loan Term

Up to 13 months

Minimum advance cash/
Down payment

0% - 33% depending
on commodity price

Fees & Charges

 

Glossary of Fee & Charges

Eligibility

The applicant must meet the following criteria:

  • Be an Indian citizen aged between 18 and 60 years.
  • Have valid ID proof and current address proof.
  • Be employed, self-employed, or a pensioner.
  • Maintain an active bank account.
  • Ensure a minimum 90-day interval between two Home Credit loan applications.
  • Demonstrate a monthly household income exceeding ₹25,000. "Household" refers to an individual family unit comprising a husband, wife, and their unmarried children.
Loan Amount ₹ 10,000 - ₹ 5,00,000
Loan Term 9 Months - 60 Months
Minimum advance cash/
down payment		 NA

Fees & Charges

 

Glossary of Fee & Charges

Eligibility

The applicant must meet the following criteria:

  • Be an Indian citizen aged between 18 and 60 years.
  • Have valid ID proof and current address proof.
  • Be employed, self-employed, or a pensioner.
  • Maintain an active bank account.
  • Ensure a minimum 90-day interval between two Home Credit loan applications.
  • Demonstrate a monthly household income exceeding ₹25,000. "Household" refers to an individual family unit comprising a husband, wife, and their unmarried children.

Fees & Charges

 

Glossary of Fee & Charges

Eligibility

The applicant must meet the following criteria:

  • Be an Indian citizen aged between 18 and 60 years.
  • Have valid ID proof and current address proof.
  • Be employed, self-employed, or a pensioner.
  • Maintain an active bank account.
  • Ensure a minimum 90-day interval between two Home Credit loan applications.
  • Demonstrate a monthly household income exceeding ₹25,000. "Household" refers to an individual family unit comprising a husband, wife, and their unmarried children.

 

Loan Amount ₹10,000 - ₹1,00,000
Loan Term 5 Years (3 years flexible + 2 years fixed)

Fees and Charges

 

Glossary of Fee & Charges

General FAQs

Can a person with no credit history apply for a loan?

Yes, an Indian citizen with an active source of income can avail Home Credit Loans even without a credit history

Can a retired person apply for a loan?
Can an existing Home Credit customer apply for an additional loan?
What is the maximum amount I am eligible to avail?
How can I make part payments against my EMIs?
How do I change my EMI due date?
How do I check the status of the payments I have made?
How many products can I buy in a single transaction?
When would I be levied late payment charges on my loan?
How can I foreclose my loan?
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