Loan Amount Rs 5 lakh – Rs 50 lakh
Loan type Pratham Home Loans
Eligible profiles Minimum: 21 Years
Maximum: 70 Years
Eligible profiles Salaried & Self-Employed
Tenure Up to 20 Years

Salaried Borrower

SlabFloating Interest Rate
Up to 35L 1 MCLR - 1Y + 1.35 %
More than 35L 1 MCLR - 1Y + 2.05 %

Self - Employed Borrower

SlabFloating Interest Rate
Up to 35L 1 MCLR - 1Y + 1.60 %
More than 35L 1 MCLR - 1Y + 2.75 %

Final rate is I-MCLR + margin where I-MCLR is 8.55%

*Valid till September 30, 2019.

Charges and Fees

Loan type Pratham Home Loans
Loan Processing Charges / Renewal Charges 2.00 % + AT*
CIBIL Report Charges Rs. 50 + AT*
Administrative Charges Rs. 5000 + AT* or 0.25% + AT (whichever is lower)

Other Charges

Repayment Mode Swap Charges Rs. 500
Documents Retrieval Charges Rs. 500
Cheque / AD / ECS / Bounce Charges Rs. 500
Duplicate No Objection Certificate / No Due Certificate Rs. 100
Revalidation of No Objection Certificate Rs. 100
Late payment chargers - Home Loan 2 % Per Month

Documents Required

Following are all the documents required while availing the Pratham home loans:

Documents RequiredSalariedSelf-EmployedSelf-Employed Professional
KYC and other documents required for all categories
Application Form with photograph duly signed
Identity, residence and age proof
Processing fee cheque
Office address proof -
Copy of title documents for the property being mortgaged
Proof of business stability/existence -
Business profile -

Income documents required
For Salaried: Latest 6 months’ bank statement
For Self Employed: Latest 12 months’ bank statement of the main operating account
Latest 3 months’ salary slips / salary certificate / ITR - -
Form 16 - - -
Educational qualification certificate - -
Latest 3 years’ Financials –
a) Computation of Income
b) Balance Sheet and Profit & Loss Accoun (with Schedules and Audit Report) – Audited or CA certified
- - -
RTR for existing loans for last 12 months

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Frequently Asked Questions (FAQs)

Who are the eligible borrowers for Pratham Home Loans?

Pratham Home Loans can be availed by salaried employees with a minimum salary of ₹10,000 per month and by self-employed borrowers with a business vintage of 5 years.

Which products can be availed under Pratham Home Loans?

Pratham loans can be availed for Home Loan (HL), Home Improvement Loan, Non Residential Premises (NRP) Loan and Balance Transfer of HL / NRP

What are the loan limits which can be availed under Pratham Home Loans?

The loan amount limit for Pratham Home Loans ranges between ₹5 Lakh and ₹50 Lakh.

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