Empowering Home Ownership

Easy EMI solutions for all your home related needs

Get Personal Loan up to ₹15 lakhs for all your home related needs.

Home Down
Payment

Avail interest-free assistance up to 50% of your home down payment amount for buying your new home.

Stamp Duty
and Registration

Get financial assistance for paying stamp duty and registration of your residential property.

Home Interiors
 

HomeCapital Program helps you finance your dream home interiors projects in a hassle-free manner.

Rental Deposits
 

Moving into a rental home is easy with financing options available for security deposit payments.

Home Down
Payment

Stamp Duty and
Registration

Home Interiors

Rental Deposits

The HomeCapital Program Download Brochure

The HomeCapital program provides interest free assistance to home buyers for following requirements:

Down Payment
Payments on Possession
Stamp Duty Payments
All other property payments to developers

Eligibility

  • Get eligibility and in-principle sanction in
    1 minute
  • This won't affect your credit score
  • No hidden fees or charges

Program Features

  • Flexible repayment tenures with interest-free options
  • Minimal loan documentation with hassle-free disbursals

How to apply

  • Complete end-to-end digital loan application & credit assessment
  • Secure virtual KYC, loan agreement e-sign
  • E-mandate set up for loan repayments

To know more details on our program benefits; read about program

Program Eligibility Calculator

₹
₹
Tenure
Amount
Offered
Monthly
EMI
Interest
Rate
Processing
Fee
Total
Repayments
Other
Features
3
EMIs
₹ 1,95,000
₹ 65,000
Low cost EMI
2.49%
₹ 65,000 x3
= ₹ 1,95,000
  • No other charges
  • Available for all developers
6
EMIs
₹ 3,90,000
₹ 65,000
Low cost EMI
4.49%
₹ 65,000 x6
= ₹ 3,90,000
  • No other charges
  • Available for all developers
12
EMIs
₹ 5,00,000
₹ 41,667
Low cost EMI
Upto 2%
₹ 41,667 x12
= ₹ 5,00,000
  • No other charges
  • Available with leading developers

Select the EMI Plan that suits you.

Amount Offered :₹ 1,95,000
Monthly EMI :₹ 65,000
Interest Rate :Low cost EMI
Processing Fee :2.49%
= ₹ 4,856
Total Repayments :₹ 65,000 x3
= ₹ 1,95,000
Other Features : 
  • No other charges
  • Available for all developers
Amount Offered :₹ 3,90,000
Monthly EMI :₹ 65,000
Interest Rate :Low cost EMI
Processing Fee :4.49%
= ₹ 17,511
Total Repayments :₹ 65,000 x6
= ₹ 3,90,000
Other Features : 
  • No other charges
  • Available for all developers
Amount Offered :₹ 5,00,000
Monthly EMI :₹ 41,667
Interest Rate :Low cost EMI
Processing Fee :Upto 2%
= ₹ 7,500
Total Repayments :₹ 41,667 x12
= ₹ 5,00,000
Other Features : 
  • No other charges
  • Available with leading developers

It's easy to get started

Fastrack your Home Ownership - in just 5 easy steps.

Third slide

03

Upload supporting documents

Complete the application process by updating your personal details and uploading KYC & Income documents

Second slide

04

E-Sign documents

E-Sign the loan documentation to complete the process

Third slide

05

Receive funds in your account

Receive down payment assistance in your account within 24 hours

Apply Now
First slide

01

Choose tenure

Choose among a flexible tenure of 3, 6 or 12 months of Interest-free down payment assistance

Second slide

02

Get instant approval

Enter your basic details to check eligibility and get an instant approval

Third slide

03

Upload supporting documents

Complete the application process by updating your personal details and uploading KYC & Income documents

Second slide

04

E-Sign documents

E-Sign the loan documentation to complete the process

Third slide

05

Receive funds in your account

Receive down payment assistance in your account within 24 hours

Apply Now
First slide

01

Choose tenure

Choose among a flexible tenure of 3, 6 or 12 months of Interest-free down payment assistance

Second slide

02

Get instant approval

Enter your basic details to check eligibility and get an instant approval

Third slide

03

Upload supporting documents

Complete the application process by updating your personal details and uploading KYC & Income documents

Impacting a billion Indians

Shruti Seth, 34

Shruti Seth, 34

Software Engineer, ITES

Salaried

60,000 monthly salary

Homeowner of a

2 BHK at Mysore road, Bengaluru

HomeCapital assistance

2,10,000

Chitra Singh, 34

Chitra Singh, 34

Client Servicing, Entertainment

Salaried

75,000 monthly salary

Homeowner of a

1 BHK at Themghar, Thane

HomeCapital assistance

3,50,000

Abhishek Banoria, 35

Abhishek Banoria, 35

Chartered Accountant

Salaried

1,70,000 monthly salary

Homeowner of a

2 BHK at Hennur road, Bengaluru

HomeCapital assistance

4,10,000

Vishal Naik, 29

Vishal Naik, 29

Senior Software Engineer, IT

Salaried

58,000 monthly salary

Homeowner of a

1 BHK at Vikhroli, Mumbai

HomeCapital assistance

2,58,000

Poonam Jain, 34

Poonam Jain, 34

Senior Associate Consultant, Education

Salaried

52,000 monthly salary

Homeowner of a

2 BHK at Electronic city, Bengaluru

HomeCapital assistance

2,20,000

Mahesh Patil, 30

Mahesh Patil, 30

Deputy Manager, FMCG sector

Salaried

78,000 monthly salary

Homeowner of a

2 BHK at Bendiganahalli, Bengaluru

HomeCapital assistance

3,04,500

*Names and photographs changed to showcase representative profiles for customer confidentiality.

Offerings

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Lodha Bellevue

Lodha Bellevue

Mahalakshmi, Mumbai

Under Construction Jun 2026
Today Global Saubhagyam

Today Global Saubhagyam

Panvel, Raigad

Under Construction Dec 2028
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Today Global Saubhagyam

Panvel, Raigad

Under Construction Dec 2028
Passcode Sun and Sand

Passcode Sun and Sand

Manpada, Thane

Under Construction Dec 2027
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Passcode Sun and Sand

Manpada, Thane

Under Construction Dec 2027
Godrej Park World

Godrej Park World

Hinjawadi, Pune

Under Construction Mar 2029

Home buyer resources

HomeCapital Webseries

Webseries

Learn about the various stages of homeownership through our simple and informative videos.

Explore Topics
HomeCapital Blog

Blog

Decode your homeownership journey through timely updates and insights on real estate and finance markets.

View articles
HomeCapital Podcast

Podcast

Tune in to explore different home buying tips and latest trends from leading industry professionals.

Play podcast

Have further questions?
We're here to help.

Explore these categories to find answers to your queries.

About HomeCapital
About HomeCapital community
Financial planning and guidance
Getting started
Privacy policy | Terms of use

Data Security

We use bank-level security for your protection.

Your information is encrypted with an AES 256 bit symmetric key.
Your connection to HomeCapital is always encrypted over HTTPS with Transport Layer Security (TLS). HomeCapital applications and data are physically located in multiple secure data centers. We utilize Amazon Web Services for our hosting which is compliant with numerous security certifications.

Data retention and deletion guidelines we follow are outlined in our Privacy policy section 12

Disclaimer

The HomeCapital "Portal" and all its contents are only for the purpose of providing information regarding the HomeCapital Down Payment Assistance Program and should not be construed as binding. By using this website, you accept our Terms of Use and Privacy Policy. We are not a lending institution. All loans are made by our financial institution partners. The real estate properties listed on the Portal are not an advertisement or a solicitation and the customer shall independently review and verify the credentials of the project and/or the developer.

HCPL and it's partners reserve the right to reject any application at any time in accordance to its policies. To qualify, a borrower must be a Indian citizen and meet our financial partners underwriting requirements. To check for an applicant’s eligibility, our lending partner will request your full credit report from one or more credit bureaus. Not all applicants receive the down payment assistance. To qualify for the program, you must have a responsible financial history and meet other conditions. Assistance limits displayed are indicative, actual limits will depend on number of factors. If approved, your program assistance tenure will depend on a variety of factors, including down payment assistance amount, repayment capacity, a responsible financial history, years of experience, income, home-loan to value ratio and other factors.

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