Turn your dreams into a permanent address with

Home Loan for Low-income

Groups

Quick sanction
Tax benefits
Easy customer support
Loan-to-value of up to 90%

Home Loan for Low-income Groups

Godrej Capital’s Home Loan for low-income groups makes homeownership easy and accessible for low and middle-income groups across India. With home loan amounts ranging from INR 5 lakhs to INR 1 crore, competitive interest rates, and longer loan tenure of up to 30 years, we ensure buying a home is easier for everyone.

Loan subsidy PMAY-U 2.0*

INR 1.8 lakh

Interest rates starting from

10.99% p.a.

High loan-to-value up to

90%*

High loan tenure up to

30 years

*For eligible customers

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Why Choose Home Loan for low-income groups?

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*Terms and Conditions Apply

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Benefits for Low-income Groups

Unlock affordable homeownership with loan options tailored to your needs.

Loan amount starting from INR 5 lakhs to INR 1 crore, offering customization based on your requirements
Competitive interest rates starting at 10.99% p.a.
Flexible repayment tenure of up to 30 years, making it easier to manage EMIs

Apply Now

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PMAY 2.0 and Income Tax Benefits

Make the most of government schemes and tax relief to reduce homeownership costs.

Avail PMAY 2.0 interest subsidies for the low-income group
Income tax deduction of up to INR 1.5 lakhs under Section 80C for principal repayment for old scheme
Additional tax benefit of up to INR 2 lakhs under Section 24(b) on interest paid for home loans

Apply Now

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Housing for All Government Initiative

Supporting the low-income group in line with the government’s initiative of housing for all.

The government’s Housing for All initiative aims to provide Low-income for all income groups
Helps low and middle-income groups access Home Loan in alignment with government support
Enabling individuals across all income groups financially to get a home

Apply Now

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Home Loan for Low-income Groups Calculators

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Loan Amount

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500000

loan-amount-max-value

10000000

Interest-rate-title

Interest Rate

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25000

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Interest-rate-max-value

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Loan Tenure

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Loan Tenure

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EMI Calculator

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Principal Amount

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Your Monthly EMI

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Monthly EMI

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Interest Payable

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Total Amount Payable

Interest-rate-label

Interest Rate @

Total-tenure-label

Total Tenure

Apply-now-label

Apply Now

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INR.

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Yrs.

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Year

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Years

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Month

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Months

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Please Enter value within range.

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Please Enter value within range.

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Please Enter value within range.

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Please Enter value within range.

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Net Monthly Income

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50000

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2500000

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Existing EMIs

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Income-amount-step

25000

existing-emi-step

25000

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1500000

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Interest Rate

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Loan Tenure

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Loan Tenure

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product-list

Home Loan

Plot Loan

Property Loan

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/apply-now?category=home_loan_for_low-income_groups&gtm=applynow&target=applynowform-container

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Select Product

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Select The Product You Are Interested In?

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Interest Rate @

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Total Tenure

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Principal Amount

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Your Loan Eligibility Amount:

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Total Amount Payable

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Your Monthly EMI

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Monthly EMI

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Years

Mobile-month

Months

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Apply Now

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INR.

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Yrs.

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Year

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Years

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Month

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Months

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Please Enter value within range.

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Please Enter value within range.

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Please Enter value within range.

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Please Enter value within range.

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Please Enter value within range.

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Loan Eligibility Calculator

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Interest Rates and Documents

Interest Rates

Own your dream home with competitive interest rates on Home Loans for low-income groups.

Indian Resident Salaried

10.99%

per annum onwards

Business Self-Employed

10.99%

per annum onwards

Professional Self-Employed

10.99%

per annum onwards

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Interest Rates and Documents

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View Complete List of Documents

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https://housingfinance.godrejcapital.com/ghf/information-and-policies?target=accordion.active&category=customer_information&show=Identity_And_Address_Proof_Documents

disclaimer

* Disclaimer: All contents mentioned on this page, including documents, eligibility may vary for each borrower and are subject to the lender's discretion. The content is subject to change without prior notice.

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