Home Loan

Home Loan - Features and Benefits

Dhanagar Micro Care Foundation offers a Home Loan of Rs.5 crore, or even higher basis eligibility, at an interest rate starting at 6.70% p.a. for salaried and professional applicants. You can repay the loan over a flexible tenor of up to 30 years, claim annual tax benefits, and save up to Rs.2.67 lakh through an interest subsidy under the EWS and LIG categories of the PMAY scheme. As an existing home loan customer, you can also avail of a top-up loan of Rs.1 Crore*, or even higher, when you transfer your existing home loan to us.

Whether you’re looking to purchase, construct, or renovate a home, the Dhanagar Micro Care Foundation Home Loan is the one-stop solution for your housing loan needs. Simple eligibility terms and minimal documentation requirements ensure the financing option is easy to apply for everyone.

  • Pradhan Mantri Awas Yojana (PMAY)

    Home Loans get more affordable than ever, with assistance from the Pradhan Mantri Awas Yojana (PMAY) for first-time homeowners. Reduce your Home Loan EMIs with PMAY by getting a subsidy on your Home Loan interest rate.

  • Easy balance transfer facility

    Refinance your existing home loan with Dhanagar Micro Care Foundation, with minimal documentation and faster processing. Apply for home loan transfer, and get a top-up loan at a nominal interest rate.

  • Top-up loan

    Finance your other requirements with a high-value top-up loan over and above your existing housing loan. Get a sizeable top-up loan at a nominal rate of interest without any extra documentation.

  • Property dossier

    Get a customised report to guide you through all the legal and financial aspects of being a property owner.

  • Part-prepayment and foreclosure options

    Part-prepay or foreclose a loan on gold against zero charges. Traders and builders can also get top-up loans without paying any additional charges.

  • Flexible tenor

    Flexible tenors ranging up to 30 years, to fit your repayment capacity.

  • Minimal documentation

    Easy Home Loan eligibility criteria and minimal documentation ensure that the application process is easy, quick, and hassle-free.

  • Online account management

    Online management of your Dhanagar Micro Care Foundation Home Loan using our digital customer portal, for your convenience.

  • Customised insurance schemes

    We offer customised insurance schemes to protect your family from the burden of repaying the housing loan in case of unforeseen events.

Eligibility Criteria for a Home Loan

Eligibility criteria for the Dhanagar Micro Care Foundation Home Loan are simple; any Indian national with a good financial profile can obtain funding. Some of the criteria differ depending on whether you are salaried or self-employed, while other remain common. For instance, for two persons of the same age, the one with a higher credit score is likely to be able to borrow a higher loan amount.

Eligibility Criteria For Salaried For Self-Employed
Nationality Resident Indian Resident Indian
Age 23 to 62 years* 25 to 70 years*
Work Experience/Business Continuity 3 years or more 5 years or more

*The upper age limit is considered as the age at the time of maturity of the loan

Documents Required for a Home Loan

Category Documents
Identity Proof (any one) PAN card
Driving license
Voter ID
Valid passport
Address Proof (any one) Electricity bill/water bill/telephone bill
Valid passport
Aadhaar Card
Driving license
Voter ID
Other Documents Passport-size photograph
Proof of 5 years of business continuity (for self-employed individuals)
Our Features

We Are A Trusted Company With Years Of Experience

We provide loans to individual as well as group members in the under developed regions of India for a range of income-generating activities.

Income Generating Loan

The Company offers loans for income-generating activities such as livestock, agriculture, trading and production businesses

Individual Lending

Under individual lending, loan officers bear principle responsibility for loan decisions; they screen, and monitor their clients

Utility Loans

From Open Energy Information. Loan programs provide financing for the purchase of renewable energy or energy efficiency systems or equipment.