Reliance Home Finance

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Reliance Home Finance Highlights

Reliance Home Finance provides home loan for various needs with interest rate starting from 9.75% p.a , check out Reliance home loan eligibility and calculate emi online.


Reliance Home Finance Limited is a subsidiary of Reliance Capital Limited. The Company provides a wide range of financial products and services like Home loans, Loans Against Property (LAP), Real Estate Finance, and Property Valuation Advisory. The Company also offers property solutions’ services that help individuals find their dream homes /property, along with financing.

Reliance Home Finance has a strong distribution network spread across more than 100 locations, through a “hub and spoke” model, across the country, serving over 41,000 client accounts.

Reliance Home Finance offers customized home loans to cater to every individual’s needs to build a dream home. The company also provides doorstep service, instant approval, instant disbursal of loan and simplified documentation. is India's foremost online financial marketplace for availing loans and investments. Our main objective is to make the process of getting a loan or making an investment safer, convenient and hassle-free for individuals. We work with public and private banks, NBFCs and mutual fund houses across the entire country and offer an unbiased quotation on financial products. You can contact our team to get more information or apply for a loan or investment by calling on +0120-411-0376 or by emailing at provides solutions which are quick, reliable, transparent, confidential and above all free.

Features & Benefits

Features & Benefits of Home Loan from Reliance Home Finance

  • Customers can apply and get a home loan sanctioned online
  • Competitive interest rates
  • Tailor-made home loan solutions
  • Doorstep service
  • Higher loan eligibility for an un-identified property
  • Simplified documentation
  • Balance transfer and top-up facility at attractive interest rates


Reliance Home Finance Home Loan Eligibility

  • The borrower must be 21years of age when the loan is sanctioned
  • He or she must have a steady income
  • Minimum income per annum should be Rs. 2 lacs

Checkout other home loans:-

PNB Home Loan

ICICI Bank Home Loan

BOB Home Loan

Piramal Housing Home Loan

Document Required

Documents required for salaried individuals
  • Identity proof: Voter ID/Passport/Driving License/PAN card/Aadhar Card
  • Residential Address proof: Registered Rent Agreement/Latest Utility Bill (electricity, telephone, piped gas and water bill)/Passport
  • Income proof: Salary slips for the past 3 months, Form 16 for the past 2 years, Salary account’s bank statement for the past 6 months
  • Property papers: Allotment letter, Sales deed, Possession letter, latest Property Tax receipts, copy of approved plan for constructions
  • Duly filled up loan application with passport type photographs

Documents Required for Self-Employed Individuals

  • Filled up loan application form with passport size photos
  • Identity proof: Voter ID/Passport/Driving License/PAN/Aadhar card
  • Residential Address proof: Registered Rent Agreement/Utility Bill (not more than 3months old)/Passport
  • Bank statement for the past 6 months of the business account
  • Copy of degree certificate in case of self-employed professionals
  • Business proof: VAT/ Service Tax registration, business address proof, profit & loss account balance sheet certified/ audited by CA
  • Property papers: Allotment letter, Sales deed, Possession letter, latest Property Tax receipts, copy of approved plan for constructions
  • And for a self-employed non-professional: proof of business existence and business profile

Interest Rates

Reliance Home Finance Home Loan Interest Rates

The interest rate set by Reliance Home Finance varies from individual to individual depending on a number of factors like salary/income, age, location of the property, employment type, etc. Reliance Home Finance offers a floating rate of interest linked to PLR (prime lending rate) of RHF. The average interest rates set by Reliance Home Finance are as under:

Salaried Self-employed
8.75% - 14% 8.85% - 14%

Processing fees & other charges

Particulars Amount
Loan processing fees Up to 2% (including non-refundable fees of Rs. 3500/- for Loan up to Rs 35 Lacs& 4500/- for Loan more than Rs 35 Lacs)
Cheque dishonor charges Rs. 750/- per instance (including taxes)
Overdue interest 3% per month on the unpaid amount
Prepayment charge Rs.500/- per request
Cheque swapping charges Rs. 500/- per swap
Loan cancellation charges Rs. 10000/- plus applicable interest amount from the date of disbursement till the date of cancellation will be charged

Note: Rates of interest and other charges are subject to periodic change at the sole discretion of Reliance Housing Finance.

Reliance Home Finance lends up to 80% of the property value towards the purchase of a home for home loans up to Rs. 75 lacs and 75% of the property value for home loans above Rs. 75 Lacs. For more information about the home loan, you can go over to home loan page on