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Ashray Home
Loan
Flexible home loans designed for construction, purchase of new/resale properties, group housing projects, and balance transfers with top-ups.
Loan At a Glance
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LTV RatioWe IKFHFL believe in making homeownership dreams come true, even for those facing documentation challenges in the un-served and under-served segments. We recognize that not everyone has the conventional financial and property documents, yet the desire for a place to call home is universal. With Ashray, we’re offering a helping hand to individuals in these situations. Our specialized schemes, including Ashray – Self-Construction Loan, Ashray – Ready Purchase Loan (Resale/New), Ashray – Ready Purchase (Resale) – Group House Flat, Ashray – Under Construction Purchase, Ashray – Balance Transfer Loan, Ashray Loan – Top Up, and Ashray Loan – BT plus Top-Up, are tailored to fit a range of homeownership needs.
Key Features & Benefits
Designed to make your home ownership journey simple, transparent, and affordable
Flexible Repayment
We offer adaptable loan repayment terms, stretching up to 20 years or until the borrower's retirement age. We believe in tailoring loan repayments to your unique financial situation, making homeownership more accessible and manageable. With us, you can comfortably repay your loan while securing your dream home, all on your terms
Simple Documentation
We've simplified the loan process with minimal documentation requirements, ensuring a convenient and hassle-free experience for borrowers. We understand that your time is valuable, so we've streamlined the paperwork to make securing a loan easier than ever. Trust us to provide you with a straightforward and efficient path to your financial goals.
Transparent Service
We're proud to offer loans with a transparent and swift service, right at your doorstep. Our digital loan processing ensures a hassle-free experience, making borrowing easier and more convenient than ever. Trust us to bring financial solutions directly to you, with transparency and speed as our guiding principles
No Hidden Charges
IKFHFL offers loans with complete transparency and no hidden charges. We believe in straightforward financial solutions, ensuring you have a clear understanding of your loan terms without any unexpected fees.
Check Your Eligibilty
Simple criteria to qualify for a Regular Home Loan with IKF Home Finance
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Age Criteria
Minimum age: 24 years at time of application
Maximum age: 70 years at loan maturity
Co-applicants can extend eligibility
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Employment Status
Salaried employees (min. 2 years experience)
Self-employed professionals
Self-employed non-professionals
Non-individual entities/companies
Required Documents
Keep these documents ready for a smooth application process
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Document Management
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Automated document processing
Secure cloud storage
Version control & tracking
Team collaboration tools
Export in multiple formats
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Address Proof
Aadhaar Card
Passport
Voter ID
Utility Bills (recent)
NREGA Job Card
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Income Proof
Salary slips (3 months)
Form 16 / ITR
Bank statements (6 months)
Appointment letter
Business financials (if self-employed)
Plan Your Home Loan Payments
Use our EMI calculator to estimate your monthly payments and plan your finances better.
How to Apply
Get your home loan approved in just 3 easy steps
Submit Application
Fill out our simple online application form and upload required documents digitally
Property Assessment
Our credit manager conducts a thorough property evaluation and verification
Loan Approval
Approval based on income, requirements, and property evaluation - funds disbursed quickly
Tax Benefits on Home Loans
Maximize your savings with income tax exemptions available on home loans under the Income Tax Act.
Tax Saving Example
Common Questions
Everything you need to know about Regular Home Loans
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