Financial Institutions

Collaborating to Accelerate Home Ownership in India

Institutional investors - pension funds, corporate treasuries, asset managers and banks are increasingly looking towards investing in diverse asset classes and direct exposure to consumer markets. HomeCapital brings to you a unique opportunity to be part of a new retail asset class with steady returns.

We are disrupting the residential property market with our flagship offering ' HomeCapital Down Payment Assistance Program. We are pioneering this concept in India to match the needs of first time home buyers with unsecured lenders to channel funds into increasing home ownership and building capital. This helps reduce the risk and thereby costs for the entire system. Our secure and interactive technology platform allows us to achieve this at a large scale while keeping the costs in check.

Key features

  • Diversify your portfolio with direct exposure to retail credit asset class

  • Better risk adjusted and predictable cash flows

  • Technology to minimize operating costs

  • Be part of the real estate growth story

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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