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Indiabulls Housing Finance Ltd. is now Sammaan Capital Ltd.
Indiabulls Housing Finance Ltd. is now Sammaan Capital Ltd.

India's 1st Completely Online Home Loan!

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Home Loan

We welcome you home

Home Loans at Sammaan Capital are designed for the unique needs of our customer and are offered at highly competitive interest rates with flexible repayment options.

A home is one of the biggest investments you will make in your life. And, more than that, it is a dream come true for your family and you. We understand what this means to you and our home loans make it as easy and convenient as possible for you to own a home of your choice. With easy digital processes, quick disbursement, thousands of pre-approved projects and competitive home loan interest rates, our housing loans will make your home buying process a simple and hassle-free affair.

Whether you prefer to apply for a home loan online or offline, our team will provide you with end-to-end, one-stop service for a seamless experience. Be it helping you find the right property or getting the home loan amount you need. Be it completing the simple documentation processes or getting speedy disbursal to close the deal, our team will be by your side, guiding you every step of the way.

You can apply home loan online anytime, anywhere through our app or our website and get quick approval.

Unmatched features of our Home Loans

  • Attractive interest Rates
  • Simple documentation process
  • 10,000+ Pre- Approved projects
  • Zero Prepayment charges
  • Flexible loan tenure options
  • Multiple loan repayment options
  • Maximum loan to value
  • Quick approval and disbursal
  • 4 Lakh + properties to choose from with Sammaan Capital Home Finder

Home Loan Ranging from

8.75% onwards

# The final rate of Interest will depend upon Profile, Loan amount, tenor, property type and other risk parameters.

# This includes the Rates being offered under the Co-origination arrangement in association with Banks.

Apply Now
  • Key Features & Benefits

    • Icon of a laptop with an arrow showing the home

      Check your loan Eligibility

      Just fill in your details and with a single click, check your home loan eligibility.

    • Stopwatch icon indicating time is up

      Attractive Interest Rates

      Home loans from Sammaan Capital come at an attractive interest rate. We offer concessional rates of interest to women.

    • Hand pointing at cell phone with percent sign

      No Hidden Charges

      We believe in utmost transparency of operations hence there are no hidden charges applied on loan disbursals.

    • A magnifying glass with a rupee sign in it, over a white background.

      Speedy Processing

      With our quick property loan approvals, you will not face any unnecessary delays in getting your home loan.

    • Hand pointing at cell phone with percent sign

      Easy Documentation

      Say goodbye to tedious paperwork! We are there for you to even file your papers.

    • A icon of clock showing the timer

      Flexible Repayment

      Our flexible repayment options make it easy for you to focus on all the important priorities of your life.

    • A calendar icon on a white background.

      Long/Short Tenure

      We provide you with flexibility of choosing a tenure that suits your needs.

    • An icon of a hand holding a bag of money in Indian rupees.

      Loan Repayment Options

      You can pay your loan using EMI, Prepayment and Flexible Loan Investment Plan options using any of these payment modes:
      Cheque/Drafts | NACH/ eNACH | RTGS Transfer | NEFT Transfer | Cash | Fund Transfer 

    • Top up Loan

      Need additional funds during your tenure? Simply top-up your home loan. To do that, you can consult our expert customer service personnel at the nearest  Sammaan Capital office.

    • Home Loan Balance Transfer

      Want to lower the EMIs you are currently paying on your loan? Opt for Home Loan Transfer. Our Home Loan Transfer feature offers great convenience in enabling you to transfer your existing home loan from private & foreign banks, scheduled commercial banks (SCBs), housing finance companies (HFCs) registered with national housing bank (NHB) to Sammaan Capital. You can choose to transfer your existing home loan balance to avail lower interest rates.

    • Home Extension Loans

      The home extension loan from Sammaan Capital allows you to add more room to your existing home to accommodate a growing family.


  • Tax Benefits

    For both salaried and self-employed individuals, the income tax authorities offer home loan tax benefits from specified financial institutions.

    • Section 24 of the Income Tax Act

      Under this section, you can claim deduction of up to ₹200,000 on the interest paid towards a home loan. For properties that are rented out, there is no limit on amount of deduction.

    • Section 80C of the Income Tax Act

      You can get a maximum of ₹1,50,000 deduction from the income, on repayment of principal amount of the property loan (home loan) during a financial year. Stamp duty, registration fee or other such expenses paid for the purpose of transfer of such residential property to the individual is also considered under this amount.

    Apply Now


  • Other Benefits

    Home loan (Property loan) comes with a dual advantage - you can enjoy savings on both your tax as well as rent. This will enable you to completely focus on your priorities in life. Moreover, you will be able to contribute towards the EMI outflow. Not just that, over the years, the value of your residential property would keep appreciating thereby securing your future by becoming a prized asset. So, investing in your home is as good as investing in your brighter future. Your one small step will enable you to reap rich rewards as your home will turn into a lucrative asset for your posterity.

    Apply Now


  • Documents required for Home Loans

    All you salaried individuals and self-employed individuals, applying for loans to Sammaan Capital, here’s a checklist of documents required to be submitted in order to avail your home loan. These documents will facilitate smooth processing of your property loan application. So, please keep all the documents ready before submission with all the required signatures and stamps.

    • Mandatory Documents for all applicants
    • For Salaried Applicants
    • For Self Employed Professional
    • For Self Employed Non-Professional
    • For Merchant Navy / NRI
    • Other Related Documents (As applicable)
    Apply Now


A person using a mouse and keyboard, with a visible hand, searching for a home loan EMI calculator, next to a small wooden house decor A person using a mouse and keyboard, with a visible hand, searching for a home loan EMI calculator, next to a small wooden house decor

Home Loan
EMI Calculator

Click to calculate the amount
you need to pay as your Property Loan EMI

Calculate EMI
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Home Loan EMI Calculator

  • Loan Amount (₹)
  • Tenure (Years)
  • Interest Rate (%)
Your Loan EMI amount is

One lakh three thousand three hundred seven

A man using a pen to tick checkboxes on a paper, indicating he is applying for a home loan A man using a pen to tick checkboxes on a paper, indicating he is applying for a home loan

Home Loan
Eligibility Calculator

Calculate your home loan eligibility based on your income details,
home loan tenure and home loan interest rate

Check Eligibility
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Approved Projects

Choose your dream home from Sammaan Capital approved projects
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Stamp Duty

Find out how much stamp duty is required
for residential property registration in cities.

Calculate Now
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Tax Benefit

Find out how much tax benefit
can you avail on your home loan.

Check Benefits
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Select Financial Year*
  • Income Tax Payable
    before home loan

  • Income Tax Payable
    after home loan

  • Income Tax

Frequently Asked Questions

Get answers to frequently asked questions (FAQs) on home loans

Know Your Loan

Check more information on Home Loans

User Reviews

4.2 / 5     12 Reviews
  • 0 / 3000

  • Dhani home loan kab tak sar prapt ho jayegi

    Review by: Kamlesh Kumar May 07, 2023
  • excellent service

    Review by: Narender Modi March 06, 2023
  • Very good service by Indiabulls.

    Review by: Naresh Pal February 20, 2023
  • No help from indiabulls in lock down period other wise loan sanction process and documentation process was better

    Review by: Dhanraj Mahajan June 10, 2020
  • Grameen awas Yojana loan

    Review by: Sanjay Kumar June 01, 2020
  • Thanks for approving my home loan, Quick response, Excellent service.

    Review by: Simran Kaur July 31, 2019
  • Very happy with the swift & hassle free process of Indiabulls.

    Review by: Sagar Tendulkar June 24, 2019
  • Best home loan

    Review by: Nidhi Shetty June 24, 2019
  • Seems good. Worth trying.

    Review by: Jeet June 24, 2019
  • Indiabulls Home Loans has helped me getting a home loan easily

    Review by: Siddesh Bobade June 24, 2019
  • Thanks IHFL for amazing home loan process

    Review by: Sayed June 24, 2019
  • Indiabulls Home Loans is one of the best home loan providers with a seamless process & quick disbursal time

    Review by: Siddesh Bobade June 05, 2019