
Here are a few factors
Location | 40Km from Branch |
CIBIL Score | 700+ |
Applicant | Any Salaried or Self Employed Person |
Applicant Age | Salaried-22 Year to 60 Year, Self Employed-24 Year to 65 Year |
Loan Amount & Tenure | 25
Lac to 25Cr (5 Year to 25 Year) |
Login Fees | 3000+ |
Rate of Interest & Type | Salaried:8.50% to 10% Self Employed: 8.60% to 10%(Reducing) |
TAT | Salaried-7
Days Self Employed -15 days |
Processing Fees | Upto 1%+GST |
Insurance & Other Charges | Insurance Charges:0%-2% |
Foreclosure Charges | Nil for Individual & 2% for other than individual |
Minimum Income | Which is fit to cover EMI |
Lock In Period | Nil |
Part Payment Allowed | Yes |
Home Loan OD Product | Yes (Home Saver Product) |
LTV | Lower of (i) 90% of Registry Value or(ii) 75% of Market Value |
Product | New Home Purchase, Plot Purchase, Plot Purchase+Construction, Construction Loan, Home Renovation, BT+Topup |
Program | Banking Program-5 Cr, GST Program-2 Cr,Income Program-25 Crore |
CO - Applicant | Yes |
FOIR | Salaried: <50K> 55%,50K >1 Lac Lac-60%, >1Lac- 70% Self Employed: 100% FOIR |
Negative Profile | Real Estate, Cash Salary Applicant,Advocate,DSA,Liquor Profile |
Funded Property Type | (i)
Residential Property (ii) Residential Plot Purchase (iii) Residential Plot Purchase & Construction |
Negative Property | Khasra-Khatauni Property, Lal Dora Property, Un-approved Property, GPA Property, Gram Panchayat Property, Legal & technical not clear, GPA Property, Auction Property, Bachha Flat,Basement,Sub-divided Property,Without MAP Property,Subject to Sale Deed,Regularized Colony |
Accepted Collateral | Approved Property, Approved Plot |
Business Vintage for Self Employed Person | 3 Year |
Minimum Job Experience for Salaried Person | 2 Year |
Experience with Current Employer | 3 Month |
Any Specfic Product for Professionals | No |
USP | 1.Upto 5 Cr Loan no Financial Reqiuired 2. Home Saver Product |
Additional | 1. Funding to NRI is doing 2. Seller BT Product not doing |
Standard Chartered Home Loan EMI Calculator
Interest Type
Loan Amount
Interest Rate
Loan Tenure
Loan Amount | ₹100,000 |
Interest % | 8 % |
Tenure (months) | 12 |
Emi (monthly) | ₹ 8,699 |
Total Interest | ₹ 4,386 |
Loan Amount + Interest | ₹ 104,386 |
Year | Total Principal ( A ) | Total Interest ( B ) | Balance ( A + B) | Total Payment | Loan Paid Till Date (%) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
₹ 100,002 | ₹ 4,386 | ₹ 104,388 | ₹ 0 | 100.00 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Required Documents to Apply for Piramal Finance Home Loan
Salaried income documents
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KYC of applicant & Co-Applicant
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Last 3 Month Salary Slip of Applicant
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Last 12 month Bank Statement of applicant & co-applicant
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Last 3 year ITR with computation of income of applicant & co-applicant
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Last 2 Year Form 16 of applicant
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26AS of last 2 year of applicant & co-applicant
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Appointment letter of applicant if available
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Agreement to Sale if purchase case
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Property Paper with complete chain of last 13 years
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Approved MAP of Property if available
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LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
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Sanction letter of all running loan
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Latest utility Bill if owned residence or rent agreement if rented
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2 Reference with contact details
Self Employed person documents
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KYC of applicant & Co-Applicant
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Last 3 year ITR with computation of income of applicant & co-applicant
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Last 3 year audited balance sheet of applicant
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Last 3 year Tax audit report of applicant
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Last 12 month Bank Statement of applicant & co-applicant
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26AS of last 2 year of applicant & co-applicant
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Copy of GST registration
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Copy of MSME registration
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Copy of Last 12 month GST return
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Agreement to Sale if new purchase case
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Property Paper with complete chain of last 13 years
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Approved MAP of Property if available
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LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
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Sanction letter of all running loan
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Debt Sheet
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Latest utility Bill of residence if owned or rent agreement if rented
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Latest utility Bill of Office if owned or rent agreement if rented
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2 Reference with contact details
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Last 3 year Debtors & Creditors on letter head
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List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP
Some Important Points
If Applicant is
- Company-MOA, AOA, COI , PAN Card
- Partnership Firm/LLP- Partnership Deed & PAN Card
- Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo
- KYC means Adhaar Card, PAN Card, Passport Size Photo
Co-Applicant means in case of
- Company : Directors
- Partnership firm/LLP : Partners
- Proprietorship Firm : Spouse of Proprietor
3. If applicant is professional, then his professional degree is required
About Standard chartered Home Loan
Owning a home is like a dream for everyone. But, whenever you think about living this dream, multiple factors or issues arise in your mind. Starting with home hunting and ending with financial assistance to purchase your dream home. So, while dealing with such situations, one should surely opt for standard chartered home loans, as they are the best in the market as of now because of the low and interesting interest rates.
With the help of a standard chartered home loan, you can make your dreams come true of buying your own home. They have a really quick and easy processing and disbursal process for home loans. This bank offers customized home loan options to their customers, which include buying new or old homes; home renovations; home transfers; and also an extension of the existing home. Standard Chartered home loans have two main key points: low processing fees and less paperwork. The standard chartered bank also offers various EMI payment methods too for loan applicants.
Eligibility Criteria
Salaried Individual
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The age of the applicant should be between 21 - 60 years
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The monthly income should be at least RS. 25,000
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The applicant should have at least 2 years of work experience with the recent employer
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The minimum CIBIL score should be 700
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The loan amount should be between Rs. 15 lakhs - Rs. 10 crores.
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The applicant should be filling IT for the last 2 years.
Self – Employed or businessman
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The age of the loan applicant should be between 21 - 65 years
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The loan applicant's monthly income should be at least Rs. 25000, and his or her annual income should be at least Rs. 3 lakhs.
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The business of the applicant should be running smoothly for the last 3 years
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The minimum CIBIL score should be 700
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The loan amount should be between Rs. 15 lakhs - Rs. 20 crores
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The applicant should be filling ITR for the last 3 years.
Start with STANDARD CHARTERED HOME LOAN in few steps
If you are planning to apply for a home loan at STANDARD CHARTERED HOME LOAN there are certain details that you should be aware of, Let’s discuss

Visit Our Website
For the first step, you will have to visit our website to explore the loan options that fit your needs.
Select and Apply
Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, you will receive your loan amount shortly.
FREQUENTLY ASKED QUESTIONS
No, the standard chartered bank does not refund the home loan processing fee in case the loan request gets rejected.
Your immediate family members can become your co-applicants on your standard chartered home loans.
They take 5 working days to process your home loan.
With Standard Chartered Home Loans, you can avail of an amount up to Rs. 35 crores.
The processing fee for the Standard Chartered Home Loan will be up to 1% of the loan amount or ₹3,000, whichever is higher, plus applicable taxes.