Build Your Dream Home With Smart Financing

Get competitive rates, flexible repayment, quick approvals, and stage-wise disbursement with minimal documentation.

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Quick

Loan

Approval

Interest Rates

10.85% p.a*

Hidden

Fees

Apply For Construction Loan

Fill out the details, and we’ll find the best loan options for you.

Build Smart, Finance Smarter With Us!

Construction Loan Features

Secure structured and flexible funding designed to support every stage of your home construction—from foundation to finish, with timely disbursals and expert guidance.

High Loan Amount

Get up to 90% of the estimated construction cost, ensuring adequate funds to complete your project.

Flexible Repayment Options

Opt for a repayment term of up to 30 years, allowing for comfortable EMIs and financial stability.

Competitive Interest Rates

Enjoy attractive interest rates starting at 10.85% p.a., making loan repayments affordable.

Minimal Documentation

Simplified paperwork speeds up the approval process, reducing the hassle of lengthy formalities.

Stage-Wise Disbursement

Funds are released in phases based on the progress of construction, ensuring smooth cash flow for timely completion.

Tax Benefits

Save on taxes with deductions on both principal and interest repayments, as per prevailing tax laws.

Essential Documents

Document Type	Indian Resident	Non-Resident Indian (NRI)
Identity Proof	Aadhaar Card, PAN Card, Passport	Passport, OCI/PIO Card
Address Proof	Utility Bill, Rent Agreement	Overseas Address Proof, Visa Copy
Income Proof	Salaried: 3 months’ salary slips, Form 16 Self-Employed: ITRs (2 years), P&L, Balance Sheet	NRE/NRO Account Statements, Foreign Income Proof
Property Documents	Title Deed, Approved Building Plan, NOC from Municipal Authorities	Title Deed, Power of Attorney, Approved Building Plan
Bank Statements	Last 6 Months’ Bank Statements	NRE/NRO Account Statements (last 6 months)

30 Yrs

Repayment Tenure

90%

Funding Of Building Cost

₹0

Hidden Charges

30+

Banks Associated

Application Process

Check Your Eligibility

Provide basic details, and we’ll show you the best loan offers from top loan providers.

Review Loan Choices

Compare interest rates and offers from multiple banks and NBFCs to choose the best fit.

Submit Required Documents

Securely upload your KYC, income proof, and property documents.

Get Loan Approval

Lenders evaluate your profile and issue a sanction letter detailing loan terms.

Sign the Agreement

Review the final loan terms, sign the agreement, and confirm your next steps.

Loan Disbursement

Funds are disbursed in stages aligned with construction milestones.

Construction Loan EMI Calculator

Calculate Your Monthly Construction Loan Instalments Fast!

Loan Amount

₹

₹5,00,000

₹5,00,00,000

10L

50L

1Cr

3Cr

5Cr

Rate of Interest

7% p.a.

15% p.a.

Loan Duration

Months Years

1 Year

30 Years

*For representation purpose only. Final values may vary subject to bank’s policy.

Monthly EMI

₹ *

Total Amount Payable

₹ *

Total Interest Payable

₹ *

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What Our Clients Say

Read heartfelt testimonials showcasing how we supported our client's dream home projects with phased disbursals, quick approvals, and personalised service.

We had the land but didn’t know where to start with funding. BankEMI didn’t just connect us to a good loan—they explained every step and handled all the bank formalities.

Anjali Verma

Housewife

A friend recommended BankEMI, and within 10 days, we had a better construction loan offer from another lender. Honestly, they saved our project.

Rohit Patel

IT Professional

I was worried about whether I’d qualify for a construction loan as a first-time home builder. BankEMI not only made the process smooth but also got me a great interest rate.

Sneha Reddy

Graphic Designer

We had no clue how the loan reimbursement worked after the construction stages. BankEMI tracked everything and made sure our disbursements were always on time.

Kunal Bhasin

Cricket Coach

Being self-employed, I struggled to get a construction loan approved. BankEMI understood my situation and I finally got the funds I needed—without running in circles.