Dhanlaxmi Bank Home Loan

Last Updated : April 8, 2025, 5:55 p.m.

So, you have chosen a house to buy and stay with your family there, right? Now, you are shopping for the best home loan offer that can lead you to a comfortable, yet pocket-friendly purchase of the property. In your search for the right lender, you can also glance at Dhanlaxmi Bank, which offers a home loan or property loan for the purchase, construction, or refurbishment of a flat or home. You can also get a loan to purchase a plot to construct a house on the same. Read the article further to get an insight into how fruitful the Dhanlaxmi Bank Home Loan can be in your case.

Dhanlaxmi Bank Home Loan Interest Rates Details

Here are the latest Dhanlaxmi Bank Home Loan interest rate details for more information on its home loan -

Dhanlaxmi Bank Home Loan Eligibility Criteria

Dhanlaxmi Bank evaluates your home loan eligibility primarily based on your ability to repay the loan. -

Key factors include your -

• income,
• age,
• qualifications,
• number of dependents,
• spouse’s income (if applicable),
• assets,
• liabilities,
• savings and
• credit history,
• job/business stability,
• property value,
• and continuity of employment or business.

Documents Required For Dhanlaxmi Bank Home Loan Application

Given under are the documents required by the salaried and self-employed or business entities wanting to avail Dhanlaxmi Bank Home Loan -

For Salaried Applicants:

• Duly filled and signed loan application form
• Passport-size photographs of all applicants
• Identity proof (PAN Card / Passport / Voter ID / Ration Card)
• Address proof
• Latest Form 16 and the last 3 months' salary slips
• Last 6 months' bank statement of the salary account
• Repayment track record (if any)
• Property-related documents
• Processing fee cheque

For Self-Employed / Business Entities (Sole Proprietorship, Partnership, Pvt. Ltd.):

• Duly filled and signed loan application form
• Passport-size photographs of all applicants
• Identity proof (PAN Card / Passport / Voter ID / Ration Card)
• Address proof
• Last 2 years’ ITRs of partners/directors
• Last 12 months’ bank statement of the main business account
• Audited financials of the business
• MOA/AOA or Partnership Deed (as applicable)
• Professional qualification certificate (if applicable)
• Repayment track record (if any)
• Property-related documents
• Processing fee cheque

How Can You Calculate EMI for Dhanlaxmi Bank Home Loan?

All set to rest your hand on the shoulder of Dhanlaxmi Bank for your home loan? Stop a bit, calculate the EMI before running all the way to the bank to file your home loan application. Use the Dhanlaxmi Bank Home Loan EMI Calculator to calculate not only EMI, but also interest and overall payment. Suppose you wish to buy a home on a 30-year home loan of Rs. 20 lacs at the interest rate of 8.75% p.a. and say up to 12% p.a. Now, the table below will tell you about the monthly EMIs on two different interest rates based on the above information.

Below is the table indicating the payouts at different periods of the home loan.

Fees/Charges on Dhanlaxmi Bank Home Loan

These are the additional fees/charges in addition to the Home loan interest rates -

Dhanlaxmi Bank Home Loan – Variants

• Home Extension Loan - For expanding your current home, add new rooms, floors, or a balcony with ease.
• Home Improvement Loan- Covers renovation needs like painting, plumbing, flooring, tiling, or any structural repair of an existing home.
• Construction Loan- Designed to help you build your home on a plot you already own.
• Plot + Construction Loan- Finance both the purchase of a plot and the construction of your home on it, within a specified time.
• Home Loan Balance Transfer - Switch your existing home loan from another bank/HFC to Dhanlaxmi Bank to enjoy lower interest rates and save on EMIs. You can also avail of a top-up loan for personal or business use.
• NRI Home Loan- Designed for NRIs looking to buy, construct, renovate, or extend property in India. Also available for plot purchase and refinancing within 12 months of payment. Balance transfer and top-up options are also offered.
• Loan Tenure : Varies between 3 to 15 years, depending on the loan type.

Dhanlaxmi Bank Home Loan – Key Features

• Higher Loan Eligibility : Get access to a higher loan amount based on your income and repayment capacity, helping you finance your dream home with ease.
• Flexible Tenure : Choose a convenient repayment period ranging from 1 year up to 30 years, based on your financial comfort.
• Attractive Interest Rates : Benefit from competitive rates of interest, making your monthly EMIs more affordable.
• Minimal Documentation : Enjoy a hassle-free application process with simplified and easy-to-understand documentation requirements.
• Doorstep Service : Get assistance right at your doorstep—Dhanlaxmi Bank representatives help you with form filling, document collection, and updates.
• Step-Up/Step-Down EMI Options : Choose EMI plans that match your income flow—pay lower EMIs initially (Step-Down) or start small and increase gradually as income grows (Step-Up).

Summary!

Whether you're sketching plans for your dream home, expanding your space, or revamping what’s already yours, Dhanlaxmi Bank Home Loan brings a lending solution that blends flexibility with reliability. With varied loan options for salaried individuals, self-employed professionals, and NRIs alike, the bank goes beyond just financing—it offers a seamless, transparent experience backed by prompt service and adaptable repayment structures. It’s not just about borrowing—it’s about building with confidence, and Dhanlaxmi Bank ensures you’re supported every step of the way.