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Grihum Housing Finance Home Loan Features


Location

PAN India

Applicant Type

Salaried and Self-employed

Applicant Age

Salaried - 21-65 Years

Self-employed - 25-65 Years

Minimum Salary Per Month

Salaried - Rs. 20,000

Self-employed - Minimum ₹ 3 Lakh/annum(Gross)

Loan Amount 

Starting from Rs. 5.00 Lacs

Tenure


1-30 Years

Rate of Interest (Type)

9.90% to 17.25 p.a

Processing Fee

0.50% on Your Sanctioned Loan Amount plus GST

Foreclosure Applicable

Yes, With Minimal Charges


Co-Applicant Needed

Yes

Minimum Job Experience

1 Year

Experience with Current Employer

1 Year

Business Vintage for Self-employed

2 Years

Citizenship

Indian

USP

Self-Employed Professionals like Chartered Accountant, Company Secretary & Doctors can Apply for this Loan.

About Grihum Housing Finance Home Loan

Grihum Housing Finance is a leading provider of budget-friendly home loan options in the competitive market today. Grihum provides reasonable interest rates, flexible payback plans, and a simple application procedure. Our objective is to make house ownership affordable and relaxing for all. With a customer-focused approach, we prioritize openness and prompt loan distribution.

Right Documents - Easy Process

Required Documents to Apply for Grihum Housing Finance Loan against property

Salaried income documents

  • PAN
  • Aadhaar
  • Passport
  • Driving License
  • Voter ID
  • NREGA Job Card
  • NPR Letter
  • Last 3 months
  • salary slips
  • Form 16
  • IT Returns (2 years)
  • Last 6 months
  • salary credit statement
  • Property papers with legal & technical clearance

Self-Employed Individuals

  • PAN
  • Aadhaar
  • Passport
  • Driving License
  • Voter ID
  • NREGA Job Card
  • NPR Letter
  • IT Returns (2 years)
  • Profit/Loss Statement
  • Balance Sheet (2 years)
  • Last 6 months
  • operative account statement
  • Property papers with legal & technical clearance

Firm / Company

  • Firm/Company PAN
  • GST Registration (if applicable)
  • KYC of Partners/Directors (PAN & Aadhaar)
  • Electricity bill (owned premises)
  • Rent Agreement (rented premises)
  • Passport (Partners/Directors)
  • IT Returns (2 years)
  • Profit/Loss Statement
  • Balance Sheet (2 years)
  • GST Returns
  • Last 6 months
  • operative account statement
  • Property papers with legal & technical clearance

FREQUENTLY ASKED QUESTIONS

Salaried/self-employed professionals and businesses/companies can all apply.

The loan amount is determined regarding your disposable income, your loan repayment capacity, and the estimated value of the property.

Yes, self-employed persons are allowed to make an application for a Grihum home loan based on income evidence for the last two years, etc.

Interest rates are both benchmarkable and conditionable to loan amount, term, and application type.

Copyright 2026 upnivaa Fintech Private Limited

Disclaimer: Upnivaa Fintech Private Limited is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.

Disclaimer: Upnivaa Fintech Private Limited is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.

Disclaimer: Upnivaa Fintech Private Limited is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.

Disclaimer: Upnivaa Fintech Private Limited is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.

Disclaimer: Upnivaa Fintech Private Limited is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.

Disclaimer: Upnivaa Fintech Private Limited is not a bank or NBFC and does not provide loans directly. We act solely as a facilitator, connecting users with financial institutions, and also provide business opportunities across multiple domains including travel, recharge, CA/legal services, insurance, and utilities.

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