Q1: What is the interest rate for loans applied through Saral Housing Finance?

Ans: The interest rate depends entirely on your credit profile, CIBIL score, and the specific policies of our partner banks or NBFCs. Thanks to our direct tie-ups with top financial institutions, we help you secure the most competitive market interest rates, starting as low as 7.45% p.a.*

Q2: Can individuals without formal ITR or those with cash salaries get a home loan?

Ans: Yes, absolutely. Even if you do not have formal income proof or an Income Tax Return (ITR), we have specialized NBFC and banking alternatives. These institutions evaluate and approve your loan based on your cash income, practical business assessment, and local property valuation. 

Q3: How much time does it take for a home loan to get approved?

Ans: Once your standard documentation is fully completed, the basic eligibility verification is processed within 2 to 4 business days. The primary sanction letter is typically issued within 48 to 72 hours thereafter. 

Q4: Does Saral Housing Finance provide direct funding or loans?

Ans: No. Saral Housing Finance (operated under Saral Digital India) is an authorized financial consulting agency and Direct Selling Agent (DSA) / Channel Partner. We do not lend money directly. Instead, we assist you in processing and securing loans through leading commercial banks and RBI-registered NBFCs. 

Q5: What are the basic documents required to apply for a loan?

Ans: The mandatory documentation checklist includes:

• Identity & Address Proof: Aadhaar Card, PAN Card, Voter ID, or Driving License.

• Income Proof: Last 6 months' Bank Statement, Salary Slips, or Business Registration Proof (such as Udyam MSME, shop photographs, etc.).

• Property Papers: Registry Copy, Khatauni, or Map (if a final property has been selected).