For Global Indians
NRI Home Loan
Invest in your homeland while living abroad. Specialized home loans for NRIs/PIOs with digital documentation and advisory services.
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Loan Details
NRI Home Loan Calculator
Calculate your EMI and total interest for an NRI home loan, and explore flexible repayment options.
Instant Approval
No Hidden Charges
100% Digital Process
Representative Example:
Borrow ₹2,00,000 over 12 months at 25.8% APR. Total repayment: ₹2,29,038.83 with monthly EMIs of ₹19,086.57.
EMI Calculator
₹2,00,000
12
25.8%
Monthly EMI
₹19,086.57
Total Interest
₹29,038.83
Overview of NRI Home Loans
Specialized loans for Non-Resident Indians to buy property in India:
- Investment in Indian Real Estate
- Buying a home for parents back in India
- Planning for retirement in India
Eligibility Criteria
Based on international income standards:
- Degree: Graduate degree is often mandatory
- Experience: Minimum 1-2 years abroad
- Income: Minimum $3000 - $5000 equivalent per month (varies by country)
- POA: Power of Attorney holder in India (usually a relative) is mandatory
Documents Required
Requires embassy/consulate attestation in some cases:
- Passport & Visa/Work Permit copy
- Overseas Address Proof
- Employment Contract & Salary Certificate (English)
- NRE/NRO Bank Statements (Last 6 months)
- Continuous Discharge Certificate (for Merchant Navy)
Repayment Rules
Strict RBI guidelines apply:
- Payment must come from NRE/NRO account
- Remittance from abroad through normal banking channels
- Rental income in India can be used for EMI
- Tenure: Usually restricted to 15-20 years
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