Every person aspires to own a home. We understand your need and provide easy home loans to make your dream of owning a home, a reality.

Muthoot Housing Finance Company Limited provides Home Loans to salaried and self employed individuals with regular incomes for construction of house, home extension, improvement and for purchase of new house.

Interest rates range from 11.00% p.a to 19.00% p.a for housing loans

The mortgage interest rates are higher from 13% to 22.00% for Loan against Property, where the end-use is not for housing.

Loan Amount

Muthoot Housing offers loan amounts starting from
Rs 3 lakh to Rs 50 lakh.

Loan To Value (LTV)

You will get a maximum loan of 80% of the value of your property


We have flexible tenure options ranging from
3 years to 20 years for our home loan finance.

Installment Calculator

Use our free and easy to use installment calculator to calculate your installments.


The property against which you are taking a home loan is mortgaged until full repayment of the loan.


We offer affordable home loans to Indian citizens, salaried or self-employed.


Minimum age is 21 years at the time of applying for the loan and maximum is 65 years at the time of loan maturity.

Submit Documents

Government-approved address and identity proof documents are required along with bank/ITR statements and ownership documents (if applicable).

Apply for a Loan

You can apply for a housing loan in India with a co-applicant. Our customer care executives help you fill the loan application and complete the process.

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Frequently Asked Questions

A home loan or a housing loan is money that an individual/s borrows from a lending institution for the purpose of buying a home. The property acts as collateral or security against the loan. The borrower has to repay the loan along with an interest agreed upon through monthly EMIs over a period of time i.e. the tenure of the loan.

MHFCL Home Loan comes with several benefits some of which are mentioned below:

  • Our loans range from Rs. 3 lakh to Rs. 40 lakh
  • We offer loan repayment tenures of up to 20 years
  • You can get loans from us for up to 80% of your property value
  • We cater to the housing requirement of customers in the middle and lower-income group
  • We provide specialised home loans for the unorganised sector along with minimum income documentation to help people turn their dreams of owning a home into reality
Muthoot Housing offers loan repayment tenure upto 20 years for home loans in India. Loan values also range from 3 to 40 lakhs. The house you are purchasing is used as collateral, thus allowing for lower interest rate as compared to unsecured loans. Based on your income and comfort, you can opt for fixed or flexible repayment options.
Yes, as we offer flexible terms and conditions on our home loans giving you the flexibility to reduce the loan tenure. Please contact your nearest Muthoot Blue branch or call our customer care representative at 1800 102 1616 for more details.
If the home loan in India from Muthoot Housing was sanctioned at a floating or variable rate, you can foreclose it at no additional charges. In case a fixed-rate housing finance, foreclosure from own sources attracts no charge, though if you decide to refinance the loan, you will have to pay 3% to 5% of the amount outstanding as foreclosure charges.

We are bound by and follow KYC forms as per the regulator's guidelines. You will be required to furnish documents for age, income, and address. The list of documents is given below:



  • Passport
  • Driving Licence
  • Bank Account Statement
  • Voter’s ID Card Documents Required
  • Current Telephone / Electricity / Gas Bill / Water Bill / Property Tax


  • Passport
  • Driving Licence
  • Aadhar Card (UIDAI)
  • Letter confirming identity from a commercial bank
  • Employee ID Card if issued by Central / State Government undertaking
  • Voter’s ID Card
  • Pan Card
  • Salary Slip of last 3 months of Salary certificate issued by employer in absence of salary slip
  • Bank Statement for the last 12 months
  • ITR for last 2 years if available
  • Business ownership proof documents like license, rent agreement of shop etc.
  • Income documents like purchase bills, sales bills, sales register etc.
  • Bank statement for last 12 months
  • ITR for last 2 years if available
A borrower benefits immensely from a home loan and we share the major ones with you:
  • Owning a home is one of the biggest dreams of every individual irrespective of their age, income or location - and a home loan’s biggest benefit is that it helps the borrower fulfill this dream with easy installment options. They can buy a bigger home or a better locality with confidence.
  • Another additional benefit for the borrower is that there is no need to spend lakhs of Rupees to buy and start living in a self-owned home. A home loan spreads the amount over several years, making it easy to repay the amount with interest.
  • Most borrowers benefit from the fact that the EMI for a home loan is equal to or slightly higher than the amount they pay as monthly rent to their landlord. A loan gives them the freedom to enjoy their home without any interference from the landlord
  • The price of a property will always increase with time and investing in one with a home loan will benefit the borrower.

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