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• Customer should be more than 21 years of age but not more than 65 years at the time of loan maturity.
• Borrower should have a bank account.
• Borrower should be residing in a city where Shubham’s Office is located.
• No guarantor required.
• All the owners of the property being financed and all individuals whose income has been considered for the loan have to be the co-applicants to the loan.

Shubham requires the standard KYC documents along with duly filled application forms to get started.

• Application form with all required details filled in.
• Identity proof such as Pan Card, Voters ID Card, Passport.
• Address proof such as electricity bill, ration card.
• Income proof documents, if available.
• Bank pass book or Bank Statements.
• Copies of the Property papers and the Construction Estimate.

Loan amount up to Rs. 10,00,000.

Maximum loan tenure of 10 years.

A rate of interest of 17% to 18% and Administrative and Operational Costs of up to 3% will be charged to applicants.

We encourage our customers to discuss their monthly sources of income and buckets of expenses at length to arrive at a number that they are comfortable serving as EMI's. This EMI amount can be paid through Electronic Clearing Services (ECS) and National Automated Clearing House (NACH).