EMI Payment


Shubham Finance is an industry leader in providing home loans to those with informal incomes, with customisable EMI options.

Home loan finance company

We offer a wide array of services ranging from housing finance solutions for Purchase of Property, Plot Purchase & Self-construction, Self-Construction, Refinance and Enhancements.

This loan can be taken for the following purposes:

  • Purchase of a new or old house/flat
  • Purchase of new plot along with constructing a home on your own
  • Constructing a home on an already owned plot
  • Home extension to add a room, build extra space or add an additional floor to your already existing property
  • Loan transfer
  • 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.
  • Property documents, if property identified.

Loan amount up to Rs. 20,00,000 and Rs. 50,00,000 for certain cities.

Maximum loan tenure of 20 years.

A rate of interest from 11.9% to 16% and Administrative and Operational Costs of up to 3% will be charged to applicants.

Transfer of an existing loan from another financial institution or bank.

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).

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