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Quick, easy & convenient loans

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. 602
       
  • Any <font color='red'>ONE</font> of the below documents

    Any ONE of the below documents

      • Voter ID
      • Passport3
      • Driving Licence3
      • Masked Aadhaar
  • PAN Card is compulsory for all loans
  • 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)
  • Expiry of the Passport/Driving License should not be within three months of application

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.
  • Need to be an existing customer of Home Credit (should have availed Ujjwal EMI Card/ Consumer Durable Loans/ Personal Loan/ Flexible Personal Loan in the past).
     

Loan Amount

₹ 10,000 - ₹ 5,00,000

Loan Term

9 Months - 48 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

Approach for gradation of Risk

The above information on interest rates provides range of standard rate of Interest for the loan product. However, the Company may offer different interest rates to different customers based on loan amount, tenor, down payment, payment history, credit score provided by credit information companies, customer’s age, and income, as well as type of documents provided by the customer and any other information as may be required for the purpose of credit evaluation. Further, in case of certain schemes, some discount/ subvention may be offered in collaboration with the partner entities leading to effective interest rate of 0% to the customer.

Frequently Asked Questions

Frequently Asked Questions

To get answers to the frequently asked queries, please check out our FAQs section here.

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