Home Loan
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₹500+ Cr
Loans Disbursed
50+
Banking Partners
500+
Happy Families
25+ Years
of Excellence
Finance Your Dream Home With The Right Funding Solutions.
Aadhya Financial Consultancy helps home buyers secure the right home loan solutions through a strong network of banks and NBFCs across India. Backed by deep financial expertise and personalised guidance, we help clients identify the right funding structure based on their profile while managing the complete process from consultation and documentation to final disbursement.
Home Loan Eligibility
To apply for a home loan through Aadhya Financial Consultancy, applicants generally require a strong credit profile and stable income eligibility. We work with salaried individuals, self-employed professionals, business owners, and qualified professionals including Doctors, Chartered Accountants, and Architects, helping clients secure suitable funding solutions based on their financial profile.
Age
- Applicants must be between 21–65 years at loan maturity.
- Salaried: 21–58 years
- Self-Employed: 25–65 years
Income
- Salaried Person – Minimum Rs. 10,000 per month
- Self-Employed Person—Minimum Rs. 2,00,000 per year
Employment
- Salaried: 2–3 years experience
- Self-Employed: 3+ years experience
Home Loan Types
Salaried Home Loan
Home loan solutions designed for salaried individuals with stable income profiles and documented employment. Aadhya Financial Consultancy helps clients secure suitable funding solutions with smooth processing and complete end-to-end support from documentation to final disbursement.
Self-Employed Home Loan
Tailored home loan solutions for self-employed professionals, entrepreneurs, and business owners. Eligibility is assessed through financial documents, ITR, GST records, and business performance to help secure the right funding structure with better financial planning and smooth processing.
Professional Home Loan
Specialised home loan solutions for Doctors, Chartered Accountants, Architects, and other qualified professionals. Through dedicated banking programs and strong financial relationships, we help professionals access suitable funding structures designed around their profile strength.
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Income & Financial Documents | Requirement |
| 6 | Salary slips – latest 3 months | Mandatory |
| 7 | Form 16 – latest 2 years | Mandatory |
| 8 | Employment continuity / appointment letter | If applicable |
| 9 | ITR + computation – last 3 years | If applicable |
| 10 | 26AS / AIS – last 2-3 years | If applicable |
| Sr. No. | Banking | Requirement |
| 11 | Salary account statement – last 6 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 12 | Sale agreement / sale deed / chain of title | If applicable |
| 13 | Registered title chain + Title / Search certificate | If applicable |
| 14 | Approved / sanctioned building plan | If applicable |
| 15 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 16 | Latest property tax receipt / bill | If applicable |
| 17 | Society registration + share certificate / NOC | If applicable |
| 18 | Valuation report (bank-empanelled valuer) | If applicable |
| 19 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 20 | Sanction letters of all running loans | If applicable |
| 21 | Loan statements + EMI track – last 12 months | If applicable |
| 22 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 23 | Duly filled & signed loan application form | Mandatory |
| 24 | Processing / login fee payment proof | Mandatory |
| 25 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | Business address proof | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | If applicable |
| 8 | GST Registration Certificate (GSTIN) | If applicable |
| 9 | Professional qualification & practice licence | Mandatory |
| Sr. No. | Income & Financial Documents | Requirement |
| 10 | ITR + computation – last 3 years | Mandatory |
| 11 | Audited financials (BS, P&L, schedules) – 3 years | If applicable |
| 12 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 13 | Provisional / current-year financials (signed) | If applicable |
| 14 | 26AS / AIS – last 2-3 years | Mandatory |
| 15 | GST returns (GSTR-3B) – last 12 months | If applicable |
| Sr. No. | Banking | Requirement |
| 16 | Individual savings a/c statement – 6-12 months | Mandatory |
| 17 | Business Current / CC / OD statement – 12 months | If applicable |
| Sr. No. | Property / Collateral | Requirement |
| 18 | Sale agreement / sale deed / chain of title | If applicable |
| 19 | Registered title chain + Title / Search certificate | If applicable |
| 20 | Approved / sanctioned building plan | If applicable |
| 21 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 22 | Latest property tax receipt / bill | If applicable |
| 23 | Society registration + share certificate / NOC | If applicable |
| 24 | Valuation report (bank-empanelled valuer) | If applicable |
| 25 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 26 | Sanction letters of all running loans | If applicable |
| 27 | Loan statements + EMI track – last 12 months | If applicable |
| 28 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 29 | Duly filled & signed loan application form | Mandatory |
| 30 | Processing / login fee payment proof | Mandatory |
| 31 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | Business address proof | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | Mandatory |
| 8 | GST Registration Certificate (GSTIN) | If applicable |
| 9 | Udyam / MSME Registration | If applicable |
| Sr. No. | Income & Financial Documents | Requirement |
| 10 | ITR + computation – last 3 years | Mandatory |
| 11 | Audited financials (BS, P&L, schedules) – 3 years | If applicable |
| 12 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 13 | Provisional / current-year financials (signed) | If applicable |
| 14 | 26AS / AIS – last 2-3 years | Mandatory |
| 15 | GST returns (GSTR-3B) – last 12 months | If applicable |
| Sr. No. | Banking | Requirement |
| 16 | Individual savings a/c statement – 6-12 months | Mandatory |
| 17 | Business Current / CC / OD statement – 12 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 18 | Sale agreement / sale deed / chain of title | If applicable |
| 19 | Registered title chain + Title / Search certificate | If applicable |
| 20 | Approved / sanctioned building plan | If applicable |
| 21 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 22 | Latest property tax receipt / bill | If applicable |
| 23 | Society registration + share certificate / NOC | If applicable |
| 24 | Valuation report (bank-empanelled valuer) | If applicable |
| 25 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 26 | Sanction letters of all running loans | If applicable |
| 27 | Loan statements + EMI track – last 12 months | If applicable |
| 28 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 29 | Duly filled & signed loan application form | Mandatory |
| 30 | Processing / login fee payment proof | Mandatory |
| 31 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | Business address proof | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | If applicable |
| 8 | GST Registration Certificate (GSTIN) | Mandatory |
| 9 | Udyam / MSME Registration | If applicable |
| 10 | Partnership Deed (registered) | Mandatory |
| 11 | Firm Registration Certificate (Registrar of Firms) | If applicable |
| 12 | Board Resolution / Authority letter (loan + signatory) | If applicable |
| 13 | List of partners/directors + profit-share/shareholding | Mandatory |
| Sr. No. | Income & Financial Documents | Requirement |
| 14 | ITR + computation – last 3 years | Mandatory |
| 15 | Audited financials (BS, P&L, schedules) – 3 years | Mandatory |
| 16 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 17 | Provisional / current-year financials (signed) | Mandatory |
| 18 | 26AS / AIS – last 2-3 years | Mandatory |
| 19 | GST returns (GSTR-3B) – last 12 months | Mandatory |
| Sr. No. | Banking | Requirement |
| 20 | Individual savings a/c statement – 6-12 months | If applicable |
| 21 | Business Current / CC / OD statement – 12 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 22 | Sale agreement / sale deed / chain of title | If applicable |
| 23 | Registered title chain + Title / Search certificate | If applicable |
| 24 | Approved / sanctioned building plan | If applicable |
| 25 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 26 | Latest property tax receipt / bill | If applicable |
| 27 | Society registration + share certificate / NOC | If applicable |
| 28 | Valuation report (bank-empanelled valuer) | If applicable |
| 29 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 30 | Sanction letters of all running loans | If applicable |
| 31 | Loan statements + EMI track – last 12 months | If applicable |
| 32 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 33 | Duly filled & signed loan application form | Mandatory |
| 34 | Processing / login fee payment proof | Mandatory |
| 35 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC (Partners) | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | PAN Card | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | If applicable |
| 8 | GST Registration Certificate (GSTIN) | Mandatory |
| 9 | Udyam / MSME Registration | Mandatory |
| 10 | LLP Agreement | Mandatory |
| 11 | Certificate of Incorporation | If applicable |
| 12 | Board Resolution / Authority letter (loan + signatory) | If applicable |
| 13 | List of partners/directors + profit-share/shareholding | Mandatory |
| Sr. No. | Income & Financial Documents | Requirement |
| 14 | ITR + computation – last 3 years | Mandatory |
| 15 | Audited financials (BS, P&L, schedules) – 3 years | Mandatory |
| 16 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 17 | Provisional / current-year financials (signed) | Mandatory |
| 18 | 26AS / AIS – last 3 – 4 years | Mandatory |
| 19 | GST returns (GSTR-3B) – last 12 months | Mandatory |
| Sr. No. | Banking | Requirement |
| 20 | Individual savings a/c statement – 6-12 months | If applicable |
| 21 | Business Current / CC / OD statement – 12 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 22 | Sale agreement / sale deed / chain of title | If applicable |
| 23 | Registered title chain + Title / Search certificate | If applicable |
| 24 | Approved / sanctioned building plan | If applicable |
| 25 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 26 | Latest property tax receipt / bill | If applicable |
| 27 | Society registration + share certificate / NOC | If applicable |
| 28 | Valuation report (bank-empanelled valuer) | If applicable |
| 29 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 30 | Sanction letters of all running loans | If applicable |
| 31 | Loan statements + EMI track – last 12 months | If applicable |
| 32 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 33 | Duly filled & signed loan application form | Mandatory |
| 34 | Processing / login fee payment proof | Mandatory |
| 35 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | PAN CARD | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | If applicable |
| 8 | GST Registration Certificate (GSTIN) | Mandatory |
| 9 | Udyam / MSME Registration | Mandatory |
| 10 | Certificate of Incorporation | Mandatory |
| 11 | Memorandum & Articles of Association (MOA & AOA) | Mandatory |
| 12 | Board Resolution / Authority letter (loan + signatory) | Mandatory |
| 13 | List of directors + profit-share/shareholding | Mandatory |
| Sr. No. | Income & Financial Documents | Requirement |
| 14 | ITR + computation – last 3 years | Mandatory |
| 15 | Audited financials (BS, P&L, schedules) – 3 years | Mandatory |
| 16 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 17 | Provisional / current-year financials (signed) | Mandatory |
| 18 | 26AS / AIS – last 3 – 4 years | Mandatory |
| 19 | GST returns (GSTR-3B) – last 12 months | Mandatory |
| Sr. No. | Banking | Requirement |
| 20 | Individual savings a/c statement – 6-12 months | If applicable |
| 21 | Business Current / CC / OD statement – 12 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 22 | Sanction letters of all running loans | If applicable |
| 23 | Loan statements + EMI track – last 12 months | If applicable |
| 24 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Property / Collateral | Requirement |
| 25 | Sale agreement / sale deed / chain of title/draft agreement | If applicable |
| 26 | Registered title chain + Title / Search certificate | If applicable |
| 27 | Approved / sanctioned building plan/ floor plan | If applicable |
| 28 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 29 | Latest property tax receipt / bill | If applicable |
| 30 | Society registration + share certificate / NOC | If applicable |
| 31 | Valuation report (bank-empanelled valuer) | If applicable |
| 32 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 33 | Duly filled & signed loan application form | Mandatory |
| 34 | Processing / login fee payment proof | Mandatory |
| 35 | PDCs / NACH-ECS mandate | Mandatory |
| A | Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|---|
| 1 | PAN Card | Mandatory | |
| 2 | Aadhaar Card | Mandatory | |
| 3 | Passport-size photographs | Mandatory | |
| 4 | Residence address proof (Utility Bill / Rent Agreement) | Mandatory | |
| 5 | Additional Photo ID (Passport / Voter ID / Driving Licence) | If Applicable | |
| B | Sr. No. | Constitution & Business Existence | Requirement |
| 1 | Business address proof | Mandatory | |
| 2 | Shop & Establishment / Gumasta / Trade Licence | Mandatory | |
| 3 | GST Registration Certificate (GSTIN) | If Applicable | |
| 4 | Udyam / MSME Registration | If Applicable |
| A | Sr. No. | Income & Financial Documents | Requirement |
|---|---|---|---|
| 1 | ITR + Computation – Last 3 Years | Mandatory | |
| 2 | Audited Financials (Balance Sheet, Profit & Loss, Schedules) – Last 3 Years | If Applicable | |
| 3 | Tax Audit Report (Form 3CA/3CB-3CD) – Last 3 Years | If Applicable | |
| 4 | Provisional / Current-Year Financials (Signed) | If Applicable | |
| 5 | 26AS / AIS – Last 2–3 Years | Mandatory | |
| 6 | GST Returns (GSTR-3B) – Last 12 Months | If Applicable | |
| B | Sr. No. | Banking | Requirement |
| 1 | Individual Savings Account Statement – Last 6–12 Months | Mandatory | |
| 2 | Business Current / CC / OD Account Statement – Last 12 Months | Mandatory |
| A | Sr. No. | Property / Collateral | Requirement |
|---|---|---|---|
| 1 | Sale Agreement / Sale Deed / Chain of Title | If Applicable | |
| 2 | Registered Title Chain + Title / Search Certificate | If Applicable | |
| 3 | Approved / Sanctioned Building Plan | If Applicable | |
| 4 | Occupancy / Completion Certificate (OC/CC) | If Applicable | |
| 5 | Latest Property Tax Receipt / Bill | If Applicable | |
| 6 | Society Registration + Share Certificate / NOC | If Applicable | |
| 7 | Valuation Report (Bank-Empanelled Valuer) | If Applicable | |
| 8 | Encumbrance Certificate / Search Report | If Applicable | |
| B | Sr. No. | Existing Obligations | Requirement |
| 1 | Sanction Letters of All Running Loans | If Applicable | |
| 2 | Loan Statements + EMI Track – Last 12 Months | If Applicable | |
| 3 | Foreclosure / LOD Letter (Balance Transfer / Takeover) | If Applicable | |
| C | Sr. No. | Application & Fees | Requirement |
| 1 | Duly Filled & Signed Loan Application Form | Mandatory | |
| 2 | Processing / Login Fee Payment Proof | Mandatory | |
| 3 | PDCs / NACH-ECS Mandate | Mandatory |
Documents for Home Loan Application
Documentation requirements vary based on the applicant profile and funding structure. Our team provides complete guidance on documentation, profile preparation, and bank requirements to ensure a smooth and well-structured application process. From document collection and verification to lender coordination and final disbursement, Aadhya Financial Consultancy manages the complete process with end-to-end support.
Home Loan Calculator
Use our Home Loan EMI Calculator to estimate your monthly EMI, understand repayment planning, and evaluate your funding structure before applying. Simply enter your loan amount, interest rate, and preferred tenure to gain better financial clarity and make informed funding decisions with confidence.
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EMI CALCULATOR
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The Right Home Loan Starts With The Right Guidance.
Connect with Aadhya Financial Consultancy for a free consultation and explore home loan solutions tailored to your profile. With deep financial expertise, access to multiple banks and NBFCs, and complete end-to-end assistance, we help make your home funding journey smooth, transparent, and efficient.
