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NRI Home Loans

NRI Home Loans is a product which banks offer to NRI’s who would like to purchase a new or resale property or want to constructs a house in the open plot which they own already or purchase plot and construct. Banks offer these products to the salaried individuals who have work experience more than 2 years. Customers need to submit all their personal, income and property documents to the bank post processing of which the loan amount will be directly disbursed to the property seller. The NRI’s must provide a GPA (General Power Attorney) in Banks format infavour of any blood relative who can complete the process here on behalf of customer.  A GPA holder will sign all the documents and attend the personal discussions with bank officials and support the bank in repaying the Home Loan EMI’s and completes the registration process. Banks reserves the right to ask for additional documents if needed.

Interest Rates

10.00% - 11.00%
The interest rate will vary depending on the loan amount that is being availed.


Max 10 Years


Personal Documents Download
  • ID & Age Proof (PAN CARD/ Aadhar Card/ Driving License/ Voter ID)
  • Abroad Address
  • Proof Latest 3 Months payslips
  • 6 Months bank statement where salary is being credited with 6 salary credits
  • Six months bank statement of NRE/NRO account where amounts are frequently transferred from abroad
  • W2 forms of last 3 years (Employer Tax deducted copy)
  • Complete 32 pages of Passport photocopy
  • Latest Visa photo Copy
  • Complete profile of applicant with previous experiences
  • Company profile
  • GPA copy which is to be notarized there infavour of blood relative
  • HR mail ID for employment verification
  • Appointment letter and confirmation letter of service
  • All Qualification certificates
  • One cheaque leaf towards the processing fee from NRE/NRO Account
  • 2 photographs of applicant and co-applicant
  •  GPA Holder ID Proof
  • GPA Holder Address Proof

If work experience is less than 2 years in present company then previous company

  • Relieving letter, Experience letter, Present company appointment Letter

Balance Transfer additional documents

  • One year repayment track record from present bank
  • Current outstanding letter
  • Document for List of Documents deposited infavour of the account
Property Documents
  • Sale Agreement or Sale Deed Infavour of Applicant or Co-applicant
  • Link documents for last 15 years (Copies of all deeds and agreements)
  • Encumbrance certificate recording all 15 years transactions
  • Approved plan of construction
  • Tax Paid receipts
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