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Home loan Overview
Everything You Need to Know About Home Loans
Turn Your Dream Home into a Reality with udChalo Finserv
At udChalo Finserv, we understand the aspirations of our Defence personnel and their families. Our Home Loan solutions are tailored to offer affordable interest rates, flexible repayment options, and simplified documentation — all with the respect and priority our armed forces deserve.
Whether you're buying your first home, constructing, or transferring an existing loan, we've got your six.
Check Eligibility
Loan Amount offered
Up to ₹ 1 crores*
Loan tenure
Upto 30 years
Interest rate starting @
7.35%* p.a.
Calculate your Home Loan
Monthly EMI
₹0
- Principal Amount
- Interest Amount
Total Amount Payable
₹0
Monthly EMI
₹0
Interest Amount
₹-2,00,000
Principal Amount
₹2,00,000
Home Loan Eligibility Criteria
Are You Eligible? Check the Home Loan Criteria
Age
Applicants aged 21–65 years are eligible
Income
Applicants must meet the lender’s minimum income requirements.
Employment
Both salaried individuals and self-employed professionals are eligible.
Loan Tenure
Flexible tenure from 5 to 30 years to suit your needs.
Credit Score
A good credit score i.e. one above 750 increases the chances of loan approval.
Check your
Credit score!
Your credit score is more than just a number. A better score can help unlock the things you want .
Documents Required
1
Aadhar Card
2
PAN Card
3
Current Address Details
4
Permanent Address proof
5
Latest Last 3 Months Bank Statement
Check your Loan Eligibility!
Get Personalized Home Loan Offers Based on Your Financial Profile.
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Home Loan Fee & Charges
Discover Home Loan Interest Rates and Charges below
Home Loan Fee & Charges
Discover Home Loan Interest Rates and Charges below
| Particulars | Salaried | Self-Employed |
|---|---|---|
| Loan amount | ₹ 5 lakhs to ₹ 1 crores | ₹ 5 lakhs to ₹ 1 crores |
| Loan tenure | Up to 30 years | Up to 30 years |
| Interest Rate | 7.35% per annum | Starting rate @ 7.35% |
| Required documents | Aadhar Card, PAN Card, Current Address Details, Permanent Address proof, Latest Last 3 Months Bank Statement | Aadhar Card, PAN Card, Current Address Details, Permanent Address proof, Latest Last 3 Months Bank Statement |
| Online Eligibility Check | Click here to check your eligibility | Click here to check your eligibility |
| Eligibility criteria | Min. salary of Rs. 15,000 with at least 2 years of work experience | 3 years of experience in the same business |
| Co-applicant tax benefit | Separate tax deductions of up to Rs. 2L under sec. 24 of the IT Act. Claim deductions of up to Rs. 1.5L under sec. 80C | Separate tax deductions of up to Rs. 2L under sec. 24 of the IT Act. Claim deductions of up to Rs. 1.5L under sec. 80C |
| Processing fees | Starting @ 0.10% of Loan Amount + GST | Starting @ 0.20% of Loan Amount + GST |
| Foreclosure Charges | No charges when you prepay your home loan with your funds. Nominal charges when you pre-pay your home loan using others’ funds | No charges when you prepay your home loan with your funds. Nominal charges when you pre-pay your home loan using others’ funds |
| Delayed EMI Payments | 2.00% P.M. (24.00% P.A.) on the defaulted amount | 2.00% P.M. (24.00% P.A.) on the defaulted amount |
Get Your Dream Home Loan Now! Starting at 7.35% with approval in 48 hrs
Apply Now
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Serving Those Who Serve – Testimonials from the Defence Community
Home Loan Approved in Days – Thanks to udChalo Finserv!
Thanks to udChalo Finserv, I got my home loan approved in just a few days! Their team truly understands defence personnel needs.
Pune
Loan Process Made Simple and Stress-Free
Impressed with the team’s promptness and support through the entire loan process.
Delhi
Empowered to Make the Right Choice
The EMI calculator was a great tool. I knew what I could afford and applied confidently.
Bangalore
Home Loan Approved in Days – Thanks to udChalo Finserv!
Thanks to udChalo Finserv, I got my home loan approved in just a few days! Their team truly understands defence personnel needs.
Pune
Loan Process Made Simple and Stress-Free
Impressed with the team’s promptness and support through the entire loan process.
Delhi
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Home Loan FAQs
What is Home loan?
A home loan is a financial product that helps you buy, build, or renovate a house by borrowing money from a bank or lender, which you repay in EMIs.
Who can apply for a home loan?
Any salaried, self-employed, or professional individual with a steady income and good credit history can apply.
What documents are required for a home loan?
Commonly required documents include:
- Proof of identity (PAN, Aadhaar, Passport, etc.)
- Proof of address
- Income proof (salary slips, bank statements, ITRs)
- Property documents
What is the tenure for repayment?
The tenure for repayment of a home loan is the time period you get to repay the borrowed amount (principal + interest) through EMIs.
How much loan amount can I get?
The loan amount depends on your income, credit score, age, repayment capacity, and property value.
What is the minimum credit score needed?
A credit score of 700 or above is usually considered good for home loan approval.
Can I apply jointly with a co-applicant?
Yes, you can apply jointly with your spouse, parents, or children to increase your loan eligibility.
Is there a tax benefit on home loans?
Yes, you can avail tax benefits on both principal and interest paid under Sections 80C and 24(b) of the Income Tax Act.
How long does it take to process a home loan?
It usually takes 7–15 working days after you submit all required documents.
Can I prepay or foreclose my home loan?
Yes, most lenders allow prepayment or foreclosure, sometimes with minimal or no charges.
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Affordable Loans Tailored for Our Defence Families
Secure the support you need with udChalo Finserv – your trusted partner in financial freedom.
Whether you're planning your dream home, need quick funds with your gold, or looking for reliable tax help, we’ve got your six.
At udChalo Finserv, we bring specially curated loan and financial services for our armed forces community, veterans, and their families. Backed by trusted partners, our services are fast, reliable, and built around your unique needs.
Our Financial Products
Gold Loans
Instant funds by pledging your gold with complete safety and transparency. Quick disbursal within 48 hours, Interest rates starting from 11.75%, Safe gold storage & flexible repayment, Approval with just PAN and mobile
Home Loans
Make your dream home a reality with flexible and affordable housing loan options. Competitive interest rates, Easy EMI plans, Minimal paperwork, Special offers for defence personnel
Tax Services
Professional tax filing made easy. End-to-end ITR filing support, Personalized help for salaried, retired & self-employed, Transparent pricing and expert assistance, Secure and compliant
Housing Solutions for Defence Personnel
At udChalo Finserv, we understand the unique challenges our armed forces face when it comes to owning a home. That’s why we offer specialized home loan solutions exclusively for defence personnel, ex-servicemen, and their families.
Whether you're serving, posted, or retired — we help you turn your dream of owning a house into a reality, with flexible EMI options, minimal paperwork, and trusted banking partners.