Home loan for self-employed and business owners

If your income does not arrive as a salary slip, the lender you pick matters more than the rate you chase. Some banks read ITRs strictly; others assess banking turnover.

Assessment
ITR or banking turnover
Vintage
2–3 years of business
Funding
Up to 80–85%

Get a free loan quote

Share a few details and we will call you back the same working day.

Or call +91 98927 44744 · Mon – Sat, 10:00 am – 7:00 pm

How self-employed income is assessed

Two routes exist, and picking the right one decides your sanction.

  • Standard programme: last two or three years of ITR with computation, P&L and balance sheet
  • Banking or turnover programme: 12 months of current account credits, useful when ITR income is modest
  • GST-return based assessment for traders and service businesses
  • Add-backs for depreciation and partner remuneration, which many applicants forget to claim

Home loan without salary slip

Business owners, shopkeepers, contractors, freelancers and professionals can be funded on assessed income. Rates run slightly above salaried pricing and the paperwork is heavier, but the sanction can be larger because turnover, not just declared profit, is considered.

Home Loan for Self-Employed — frequently asked questions

EMI calculator

Know your monthly EMI before you apply

Move the sliders to see how loan amount, interest rate and tenure change your EMI.

₹50.0 L
₹5 L₹5 Cr
8.50% p.a.
7%16%
20 years
1 yr30 yrs

Monthly EMI

₹43,391

48% principal · 52% interest over the full term

Principal
₹50,00,000
Total interest
₹54,13,879
Total payable
₹1,04,13,879
Send this to us on WhatsApp
How it works

Four steps from enquiry to keys

  1. 01

    Share your requirement

    Call, WhatsApp or fill the form. We understand your income, property and budget.

  2. 02

    Document check

    We collect and verify your papers, then fix any gaps before the file goes out.

  3. 03

    Best bank match

    We place your file with the lenders offering you the best rate and highest eligibility.

  4. 04

    Sanction & disbursal

    Legal, valuation and registration follow-ups handled till the money reaches the seller.

Home Loan in your City

Look through the home loan options available in your city — we serve 49 cities across India.

Call nowWhatsApp