A home loan from India Shelter Finance Corporation allows you to borrow up to ₹40 Lakhs for your housing needs. Interest rates start from 13% p.a., with repayment tenures of up to 20 Years, designed to support manageable EMIs. Both salaried and self-employed applicants can apply online in a few simple steps only on Bajaj Markets. You can also evaluate your loan eligibility, calculate EMIs, and explore key loan details before submitting your application.

You can explore an India Shelter Home Loan and review key features before applying. Here are some practical aspects to consider: 

• Access to Higher Loan Amounts

You can borrow up to ₹40 Lakhs, depending on eligibility and property value. This amount may help cover major housing expenses such as purchase, construction, or renovation.

• Low Interest Rates

Home loans are available with interest rates starting from 13% p.a. The final rate depends on factors such as credit profile, income, and loan eligibility.

• Flexible Interest Rate Options

You may have the option to choose between fixed or floating interest rates. This allows you to select a repayment structure that suits your financial planning.

• Multiple Home Financing Uses

The loan can be used for different housing purposes, including buying, constructing, or renovating a property. This flexibility supports different stages of homeownership.

• Simple Online Application Process

You can apply online, review eligibility, and check EMI estimates in a few steps. This process helps you understand loan details before proceeding with the application. 

India Shelter offers a range of home loan solutions designed to meet diverse housing and financial needs:

• Home Loan

Finance your home purchase with competitive interest rates starting at 7.50% p.a.. Benefit from flexible repayment options tailored to your financial capacity.

• Purchase and Construction

Obtain funding to buy a plot and build your home through a single loan, simplifying the process and eliminating the need for multiple applications.

• Home Renovation Loan

Access funds to renovate, repair, or upgrade your home, helping you maintain or enhance your property’s value with timely improvements.

• Loan Against Property

Leverage your property’s market value to secure substantial funding for various needs without having to sell your asset, with India Shelter Loan Against Property.

You can apply for the India Shelter Home Loan online on Bajaj Markets in a few simple steps:

1. Click here to start your application

2. Select 'New Home Loan' as your loan requirement

3. Choose your profession – Salaried or Self-employed

4. Enter your mobile number

5. Review and accept the terms of use and privacy policy

6. Click 'Proceed' and follow the on-screen instructions to complete the application

Once you submit the application, a representative will contact you regarding the next steps in the home loan process.

You can track the status of your India Shelter Home Loan application through the India Shelter Customer Portal.

Here are the steps to check your loan status:

1. Visit the India Shelter Customer Portal

2. Enter your registered mobile number

3. Generate and verify the OTP sent to your mobile number

4. Log in to your account

5. Navigate to the loan application section to view the latest status of your home loan application

You can also use the IndiaShelter iServe App to track your application and receive real-time loan status updates.

You can access your India Shelter Home Loan statement through the India Shelter Customer Portal or the IndiaShelter iServe App

Here are the steps to check your loan statement:

1. Log in to the India Shelter Customer Portal or IndiaShelter iServe App using your registered mobile number and OTP

2. Go to the loan account section

3. Navigate to Statements, Documents, or the relevant loan servicing section

4. Select the required loan account

5. View, download, or save your loan statement for future reference

The lender offers convenient and secure options to pay your dues and manage your loan: 

• India Shelter iServe App

Use the app to make quick payments, apply for new loans, check your loan status, and access the EMI calculator.

• Net Banking Portal

Go to the home page, then choose the ‘Pay EMI’ option. Provide your bank name, account number, IFSC code, and account type and pay with the different options available based on your convenience.

An India Shelter Home Loan can help you save tax under the applicable provisions of the Income Tax Act, 1961. Subject to the prescribed conditions, you may be eligible to claim deductions on both the principal repayment and the interest paid on your home loan.

The tax benefits available depend on factors such as the property's occupancy status, ownership structure, and the tax regime you choose. To understand the deductions applicable to your specific situation, consider consulting a qualified tax advisor.

Use the following contact details to resolve home loan-related queries: 

• Toll-Free Number: Call 1800-572-8888
  

• Email: Write to customer.care@indiashelter.in
   

Grievance Redressal

If the resolution to your query is unsatisfactory, escalate the matter using the following channels:

• Branch Head or Call Centre Manager: Contact the Branch Head at the respective branch or the Call Centre Manager through the toll-free number

• Chief Grievance Redressal Officer: Write to cgro@indiashelter.in, or call 0124-4131866. 
   

You can also send a letter to India Shelter Finance Corporation, 6th Floor, Plot No. 15, Sector 44, Gurgaon, Haryana – 122002.