Reliance Capital Home Loan


Reliance Capital Home Loan provides loans to customers for their homes at the most competitive interest rates in the market. Reliance Home Loans can be easily applied online from anywhere, and the processing fee is 0.5% to 2%. The loan tenures offered by Reliance are as long as 20 years. Moreover, Reliance Capital provides customers flexible loan terms and better interest rates.

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Reliance Capital Home Loan

  • Interest Rate

    9.75% - 13%

  • Loan Amount


  • EMI Per Lakh

    ₹2,112 - ₹2,275

  • Processing Fees

  • Pre-Payment Charges


Features of Reliance Capital Home Loan

  • Versatile Home Loan Options: From buying a new home and constructing your dream house to refurbishing your current dwelling - whatever your housing need, there's a Reliance Capital home loan.
  • High Quantum of Financing: No dream is too big. Reliance Capital offers high-value loans, allowing you to finance your dream home without compromising.
  • Flexible Tenure: Stress less about repayments! Choose a repayment tenure that suits your financial planning, extending up to several years.
  • Competitive Reliance Capital Home Loan Interest Rate: Get the best value for your money. Enjoy competitive interest rates on your home loan - choose from fixed or floating rates based on your comfort.
  • Balance Transfer Facility: Not satisfied with your current home loan provider? Switch to Reliance Capital and enjoy superior services along with the benefit of competitive interest rates.

Benefits of Applying for a Reliance Capital Home Loan

  • Simple Application: We believe in making your journey to your dream home as smooth as possible. Apply for a Reliance Capital home loan online or at one of the bank’s branches - it's as simple as a few clicks!
  • Minimal Documentation: No stacks of paperwork. The home loan process requires minimal documentation, ensuring a hassle-free process.
  • Professional Guidance: Navigate the home loan process with ease. The professional advisors are there to guide you every step of the way.
  • Transparency: No hidden costs or surprises. The transparent process ensures you know what you're getting into.
  • Affordability: With competitive Reliance Capital home loan interest rates and flexible repayment options, owning a home becomes not just a dream but an affordable reality.

Reliance Capital Home Loan - An Overview

Dream big, and let Reliance Capital turn your dreams into reality! Apply for a Reliance Capital home loan and step into your dream home sooner than ever imagined. Reliance Capital has covered you with various home loan options tailored to every unique need.

The competitive Reliance Capital home loan interest rates ensure you get the best value for your money. Whether buying a new home, constructing one or extending your current home, our flexible repayment options ensure you control your finances.

But that's not all! Want to switch from your current loan provider? Take advantage of our seamless loan balance transfer facility. So why wait? Apply for a Reliance Capital home loan today and get ready to unlock the door to your dream home.

Reliance Capital Home Loan Fees and Charges

Applying for a Reliance Capital Home Loan? Here are the fees and charges that you will need to adhere to.

Fees and Charges Amount
Processing Fee 0.5% - 1.5% of loan amount + GST
Cheque Bounce Charges Rs. 450
Prepayment Charges Nil for floating rate loans; 2% + GST for fixed-rate loans
Foreclosure Charges Nil for floating rate loans; 2% + GST for fixed-rate loans
Late Payment Charges 2% per month on the overdue amount
Switching Fee 0.5% of outstanding principal + GST

Home Loan Documents Required for Reliance Capital 

To validate your eligibility and expedite your loan approval process, here are the documents you need to prepare:

  • Identity Proof: This could be your Aadhar Card, PAN Card, Passport, or Driving License.
  • Address Proof: Documents like Electricity Bills, Telephone bills, and Ration cards can be submitted as proof of residence.
  • Income Proof: For salaried individuals, this includes your last three months' salary slips, Form 16, and bank statements for the last six months. Self-employed individuals must provide their Income Tax Returns for the last three years and bank statements of the last six months.
  • Property Documents: You must provide documents related to the property you intend to purchase. These include the Sale Deed, Agreement to Sell, and the NOC from the builder or society, among other things.

How the EMI calculation works for Reliance Capital Home Loan? 

Understanding how Equated Monthly Installments (EMIs) are calculated for your home loan can help you better plan your budget and manage your finances. When you take out a home loan from a company like Reliance Capital, the repayment is usually done as EMIs. Here's a simple explanation of how EMI calculation works:

First, let's define an EMI. An EMI, or Equated Monthly Installment, is a fixed amount of money you must pay to the lender every month until the loan is fully repaid. The EMI consists of the principal amount (the actual loan amount) and the interest on the loan.

The EMI calculation formula used by most banks and financial institutions, including Reliance Capital, is as follows:

EMI = [P x R x (1+R)^N]/[(1+R)^N-1]

In this formula:

  • P stands for the principal or the amount that you have borrowed.
  • R is the rate of interest divided by 12 (for monthly interest) and further divided by 100 (to convert it into a decimal figure).
  • N is the tenure of the loan, i.e., the total number of months in which you plan to repay the loan.

Let's say you've borrowed Rs. 10,00,000 at an annual interest rate of 8% and plan to repay the loan over a period of 20 years (or 240 months). Here's how the EMI would be calculated:

  • P = Rs. 10,00,000
  • R = (8/12)/100 = 0.00667
  • N = 240

By plugging these values into the EMI formula, your monthly EMI would be approximately Rs. 8,364.

Balance Transfer Reliance Capital Home Loan

A balance transfer of a home loan is a service that allows you to transfer the outstanding principal amount of your existing home loan from one lender to another. The primary reason for this is usually to take advantage of lower interest rates offered by the new lender.

Don't miss to Check: Housing Loan Balance Transfer Calculator

How does Reliance Capital Home Loan Balance Transfer Work?

First, inform your current lender about your intent to switch to Reliance Capital. Once they consent, they will issue a consent letter, a No Objection Certificate (NOC), and a statement specifying the outstanding amount.

After you submit this to Reliance Capital, they will review your application, do the necessary credit appraisals, and if found satisfactory, they will sanction your loan. Post this; Reliance Capital will pay the outstanding amount to your current lender. Once that's done, your home loan will be transferred to Reliance Capital, and your further EMIs will go to them instead of your previous lender.

Reliance Capital Home Loan Customer Care Number

Customer Care Details Contact
Toll-Free Number 1800 300 90909
Service Queries Number 022-3967 1600
SMS Service HOME to 561616
Email ID customercare[at]
Address The Ruby, 11th Floor, North West Wing, Plot No. 29, Senapati Bapat Marg, Dadar (West), Mumbai - 400 028


From refinancing to reducing your interest, we have the answers right here.

Does Reliance Capital Provide Home Loans at the best rate?

The interest rates offered by Reliance Capital on home loans are competitive. Still, they vary based on the applicant's credit score, loan amount, loan tenure, and market conditions. It's always wise to compare rates from different lenders before deciding.

What are the benefits Reliance Capital Provides on Home Loan?

Reliance Capital provides numerous benefits on home loans, such as flexible repayment options, competitive interest rates, swift processing, easy documentation, and options for both salaried and self-employed individuals. They also offer personalised services throughout the loan processing.

Does Reliance Capital have a fixed interest rate on a home loan?

Reliance Capital typically offers fixed and floating interest rates home loans. However, the offerings might change over time and based on market conditions. It is advised to check with the company for the most recent details.

What documents are required in Reliance Capital for a home loan?

The documents typically required by Reliance Capital for a home loan include proof of identity, proof of address, proof of income (such as salary slips or income tax returns), bank statements, property documents, and any other documents as required by the company.

Does Reliance Capital Check for CIBIL Score for Home Loans?

Reliance Capital, like most lenders, checks your CIBIL score as part of the home loan application process. A good CIBIL score can enhance the chances of loan approval and fetch you more favourable terms.

What is the maximum and minimum home loan amount I can get from Reliance Capital?

The minimum loan amount you can get from Reliance Home Finance is 7.5 lakhs. As for the maximum loan amount, it depends on the applicant’s credit profile. In the case of high-net-worth individuals, the upper limit could be any amount limited to 80% of the project cost as per Reliance lending policies in Home Loan.

What KYC documents must I submit to apply for a home loan from Reliance Capital?

KYC documents required to apply for a home loan from Reliance Capital typically include proof of identity (like PAN card, Aadhar card), proof of address (like Passport, Utility bills), and proof of age. Please check with the company for a complete list, as requirements may vary.

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