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.
| A | Sr.No. | Mandatory Documents | ||
|---|---|---|---|---|
| 1 | PAN Card or Form 60 (If the customer does not have a PAN Card) | |||
| B | Sr.No. | Description of Officially Valid Documents (OVD) | Identity Proof | Address Proof |
| 1 | Passport, the validity of which has not expired. | ✔ | ✔ | |
| 2 | Driving license which has not expired. | ✔ | ✔ | |
| 3 | Election /Voters identification card | ✔ | ||
| 4 | Job card issued by NREGA | ✔ | ||
| 5 | Letter issued by the National Population Register | |||
| 6 | Proof of possession of Aadhaar Number | ✔ | ✔ |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Last 3 months’ Salary Slips | |||
| Last 6 months’ Bank Statements, showing salary credits | |||
| Latest Form-16 and IT returns | |||
| Income Tax Returns along with computation of income for at least the last 2 Assessment Years (of both the individual and the business entity and attested by a CA) | |||
| At least last 2 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA) | |||
| Last 12 months’ Current A/c Statements of the business entity and Savings Account Statements of the individual |
For Purchase of a New Home
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Copy of the Allotment Letter / Buyer Agreement | |||
| Receipt/(s) of payment/(s) made to the developer |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Own Contribution Proof | |||
| Employment Contract / Appointment Letter in case current employment is less than year old | |||
| Last 6 months’ Bank Statements showing repayment of any ongoing loans | |||
| Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across. | |||
| Cheque for processing fee favouring HDFC Bank | |||
| Business Profile | |||
| Latest Form 26 AS | |||
| List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company | |||
| Memorandum and Articles of Association of the Company | |||
| Partnership deed in case of the business entity being a partnership firm | |||
| Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc. | ✔ | ✔ |
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.
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.
