Vridhi Home Finance Home Loan

You can apply for a Vridhi Home Finance home loan on Bajaj Markets and secure a loan amount of up to ₹25 Lakhs. With interest rates starting at 12% p.a., you can choose a repayment tenure of up to 12 years based on your financial comfort. 

Use the funds for home construction, renovation, or to purchase a residential property through a quick and simple application process.

The Vridhi Home Finance rate of interest and other associated charges for home loans are as follows:

Disclaimer: The aforementioned rates and charges are subject to change at the lender’s discretion.

In addition to interest, processing fee, and prepayment charges, several other standard fees may apply. These charges can arise at various stages throughout the lifecycle of your Vridhi Home Finance home loan.

Disclaimer: The aforementioned rates and charges are subject to change at the lender’s discretion.

Vridhi Home Finance Home Loan’s eligibility criteria are quite simple. Make sure that your combined EMI amount is not more than 50% of your income. Salaried and self-employed individuals can apply for this home loan.

To complete your home loan application with Vridhi Home Finance, you will need to submit basic documents for verification:

• Identity Proof: PAN card and any one of the following

  1. Aadhaar card

  2. Passport

  3. Driving license

• Address Proof: Any one of the following

  1. Aadhaar card

  2. Passport

  3. Driving license

  4. Utility bill

• Age Proof: Any one of the following

  1. PAN card

  2. Passport

  3. Voter ID

  4. Driving license

  5. Birth certificate

  6. School leaving certificate (10th)

• Income Proof: Salary slips and bank account statements of the last 3 months 

• Bonus Proof: Of the last 2 years or variable incentive pay within the last 6 months

• Employment Proof: Any one of the following 

  1. Form 16 

  2. Joining date on salary slip

  3. Appointment letter

Vridhi Home Finance offers a range of home loan options tailored to meet diverse housing needs. Whether you intend to purchase, construct, or upgrade your home, you can select a loan that aligns with your objective.

• Home Purchase Loan

This loan is designed to assist in purchasing a new or resale residential property. It caters to both first-time buyers and existing homeowners seeking to move into a better residence.

• Home Construction Loan

When you already own a plot, this loan helps you fund each stage of your home’s construction. You receive timely disbursals as your project advances.

• Home Renovation Loan

You can finance repairs, upgrades, or improvements to your existing property. This loan allows you to enhance your home’s comfort and appearance.

• Plot + Construction Loan

This option lets you finance both the purchase of a plot and the construction of a home on it. You can build your dream house on land you own or plan to acquire

Benefit from the Vridhi Home Finance rate of interest and flexible loan terms. Follow these simple steps to apply on Bajaj Markets:

1. Click on ‘Check Offer’ on this page

2. Select the type of home loan you require

3. Choose whether you are salaried or self-employed

4. Enter your mobile number to receive an OTP for verification

5. Provide your basic personal details

6. Select ‘Vridhi Home Finance’ from the list of lending partners

7. Upload the required documents for verification

8. Submit the application form

A representative will contact you shortly to assist with the next steps.

You can easily track your home loan application status using your Application Reference Number. Here is how:

1. Visit the official Vridhi Home Finance website

2. Navigate to the ‘Customer Corner’ dropdown

3. Select ‘Customer Portal’ from the list

4. Enter your registered mobile number to log in

5. Use your Application Reference Number to check the loan status

You can get your home loan statement by contacting customer service. A nominal fee of ₹500 may apply for the annual account statement.

1. Visit the Vridhi Home Finance website

2. Go to the ‘Customer Corner’ dropdown and select ‘Contact Us’

3. Reach out via call, email, or the contact form to request your statement

Keep your loan details ready for quicker processing.

You can contact Vridhi Home Finance through various support channels for any queries or service requests. These include:

• Via Email

Write to care@vridhihomefinance.com for assistance with your home loan application or account.

• By Phone

Call +91 83101 67101 to speak with a customer service representative directly.

• By Submitting a Contact Form

Fill in your name, mobile number, and an optional message through the online form. The team will get in touch with you soon.

Repaying your home loan with Vridhi Home Finance is designed to be convenient and tailored to your financial preferences.

• Fixed or Floating Interest Rates

Choose a fixed interest rate for predictable EMIs throughout the loan tenure or opt for a floating rate that adjusts with market fluctuations. This flexibility allows you to align repayments with your financial outlook.

• Flexible Tenure Options

Select a repayment period that suits your financial goals, with tenures available up to 12 years. Longer durations result in lower EMIs, while shorter terms enable quicker loan closure.

• Monthly EMI Payments

Repay your loan through simple monthly instalments using post-dated cheques, auto-debit mandates, or standing instructions. Once set up, payments are processed automatically each month.

• Prepayment and Foreclosure Facilities

You have the option to prepay or foreclose your loan, subject to applicable terms. Doing so can help reduce the total interest payable and close the loan ahead of schedule.