A "low interest" loan shouldn't mean you have very little interest in paying it back!
  • DHFL NRI Home Loan

    DHFL offers easy-to-apply home loans for Non-Resident Indians with handsome interest rates to convert dreams into reality. Their home loan facilities cater to a diverse range of needs such as property purchase, expansion or renovation of an existing property, or constructing a new house/flat. DHFL NRI Home Loan provides you the option of financing your house/property in India while living overseas.

    Drafted for Non-Resident Indians only, this financing scheme offers hassle-free documentation, competitive rates, and long repayment tenure to the borrowers.

    Interest Rates for Salaried and Self-Employed Individuals

    The home loan rate of interest for NRIs (salaried and self-employed) begins at 10% p.a. Other charges have been mentioned in the table below:

    Charge Type (Both for Salaried/Self-Employed Individuals) Loan Quantum
    Processing Fees
    • Till Rs.30 lakh: Rs.5,000
    • More than Rs.30 lakh and up to Rs.75 lakh: Rs.10,000
    • More than Rs.75 lakh: Rs.20,000
    Processing Fees
    • Net PAT: 0.5% + GST
    • Others: 1.5% + GST
    CERSAI Registration Charges
    • For loans till Rs.5 lakh: Rs.50 + GST
    • For loans more than Rs.5 lakh: Rs.100 + GST
    Foreclosure Statement
    • Rs.500 + GST

    * GST + document charges

    Eligibility Criteria

    You can determine your eligibility for a DHFL Home Loan with the help of their Home Loan Eligibility Calculator. You will be required to enter the following information:

    • Monthly income in figures
    • Your full name

    Documents required for Salaried and Self-Employed Individuals

    The following identity documents are:

    Mandatory Documents
    • PAN card
    • Aadhaar card
    • Passport
    • Voter’s ID card
    • Driving license
    Proofs of residence(Any one)
    • Electricity bill
    • Telephone bill
    • Water bill
    • Postpaid mobile bill
    • Letter from employer
    • Ration card
    • Letter from reputed public authority
    • Statement from the bank
    • Rent agreement
    • Sale deed
    Income Declaration Proof
    • Pay slips from the last two months
    • Work permit issued by the employer/concerned Government
    • Overseas income tax payment information (if applicable)/P60
    • Copy of all statements from your overseas bank account for the last six months (note that statement is updated until the end of the last month)
    • Copy for NRE/NRO bank accounts for the previous six months
    Other Documents
    • Builder’s allotment letter
    • Sale agreement
    • Index – ii
    • Registration & stamp duty invoice
    • Demand letter
    • Builder’s NOC
    • Own Contribution Receipt (OCR)
    • Development agreement
    • All builder-related documents
    • Partnership deed
    • Sale deed
    • NA order
    • Title search report

    Features of DHFL NRI Home Loan

    • Maximum loan term of 20 years
    • Minimum home loan amount of Rs.5 lakh
    • Rates starting from 10% p.a.
    • Home loan EMIs can be paid through Electronic Clearing Service (ECS) or Post-Dated Cheques (PDC) drawn on your savings/salary account


    1. What are some of the charges applicable on home loan for NRIs?

      Apart from the processing fees and the CERSAI registration charges, some of the other charges incorporated in home loan are technical fees (for property located outside the geographical limit), valuation fee with regards to construction linked loan cases, prepayment charges, foreclosure charges, cheque/ECS bounce penalty charges, overdue charges on default EMI, recovery charges, legal charges, and so on.

    2. What are the factors considered to determine home loan eligibility?

      The following factors are considered while determining the home loan eligibility of an applicant:

      • Monthly income
      • Present age
      • Fixed monthly expenses
      • Age of retirement
    3. Are there any extra tax benefits for NRIs?

      No. You will be able to enjoy tax benefits only if you have filed your Income Tax Returns accurately and are eligible for tax exemptions.

    4. Is RBI’s approval mandatory for purchasing an immovable property in India?

      No. As long as said property is commercial or residential in nature, RBI’s approval is not required.

    5. I want to know how much EMI I will be required to pay towards my home loan. How do I do that?

      Home Loan EMI calculator can always be made use of to know the exact EMI you will be required to pay.


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