home ownership for
first time home buyers.

A technology enabled network solving
the biggest hurdles of down payment.

About Us

What we believe in

Home buying is one of the most important milestones in the life of every Individual. At HomeCapital, we believe that Home is the real Capital for a family and grows in value across generations. Buying your first home early has compounding effect on your family’s wealth, happier lives and increased social security for you and your loved ones.

Our vision is to bring a positive change in the lives of millions of home buyers. By solving the critical problem of down payment through an innovative and powerful idea of using your future savings, we accelerate your dream of homeownership.

Who we are

HomeCapital is an Indian Company that has pioneered India’s first Home Down Assistance Program (DPA). Our program endeavours to help all those who want to buy their first home early in their lives.

HomeCapital Program has become synonymous to ease of homebuying with reduced down payment requirements and is accepted by all leading residential developers in the country across major cities.

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Why HomeCapital

Our program converts the dream of your own home into reality. We partner with leading developers across cities and include their offerings in HomeCapital Program. Every property goes through rigorous due diligence and independent research with all publicly available information to minimize the risk inherent in choosing your first home.

With fully digital and streamlined process of providing interest free down payment assistance and our tie ups with multiple lending institutions including leading home loan companies help you buy your dream home with utmost ease.

Our Partners

We create value for our partners by enabling first time home buyers buy their home early in life. Our partner developers and financial institutions get access to premium customer base and grow their business with us.

Waiting for a breakout opportunity
in your career?

At HomeCapital we are always on the look for fresh talent. We’d love for you to join us in our goal to accelerate home ownership. Discover the right role for you.

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.


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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