Buying
a new or
resale home

Home improvement

Loan against
Property

Buying a
Commercial
property

Ghar ki chabi se kholo apne sapno ki duniya

Home Loan starting at 8.99%*

Housing finance starting at 8.99%

Pradhan Mantri Awas Yojana Home for All

Subsidy benefit on home loans up to 2.67 lakhs

Pradhan mantri awas yojana home for all

Lower your EMI not your living standard

Balance transfer starting at attractive rates

Home loan for balance transfer

Offerings

Our Products

Pradhan Mantri
Awas Yojana (PMAY)

Credit Linked Subsidy Scheme (CLSS)
an interest subsidy scheme under Pradhan Mantri Awas Yojana -
Housing for All (Urban).

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Business Loan

Grihashakti provides loans for purchasing a commercial plot and constructing property on the same.

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Home Loan

Dreaming about your dream home is passé, moving into your dream home is in. Grihashakti is providing you home loans in a simple and easy process.

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Business Loan

Grihashakti provides loans for purchasing a commercial plot and constructing property on the same.

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Loans

About Grihashakti


Grihashakti, a wholly owned subsidiary of Fullerton India Credit Company Limited, offers property loans to salaried and self-employed individuals. It is your perfect companion to help you build your dream home. Apart from the purchase of a new home, we also provide loans for home improvement, home construction and home extension. Our other services include - loan against property; and loans for new or resale commercial property, commercial plot and construction of a commercial property. It is headquartered in Mumbai and currently operates through 41 branches spread across 9 states in India.

AWARDS

Corporate Highlights

Media

Keeping you informed

COVERAGE

15

Dec

Fullerton India gets Rs.150 crores capital from parent

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15

Dec

Fullerton India receives Rs.150 crores

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15

Dec

Temasek Infuses Rs. 150 crores Fullerton

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ANNOUNCEMENTS

07

Sep

Grihashakti launches 'Spot Loan Sanctions' offer in Jaipur

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07

Sep

Grihashakti launches 'Spot Loan Sanctions' offer in Coimbatore

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05

Sep

Grihashakti reinstates its growth plan in Nagpur

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Articles

knowledge centre

HOME FINANCE

GOVERNMENT GIVES MAJOR BOOST TO HOUSING AND HOME LOANS IN INDIA

There has been a steady offtake in the affordable housing segment due to government’s various incentives and efforts to stimulate the industry. Our honourable Prime Minister Narendra Modi has given a kick-start to the real estate sector with the Pradhan Mantri Awas Yojana (PMAY) scheme.

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HOME IMPROVEMENT

EXPAND YOUR HOME WITH A HOME EXPANSION LOAN

Home additions such as kitchen expansions and additional bedrooms or even an additional floor all add square footage and value to a home. Expansion includes alteration in the current structure of the residence to add extra space such as constructing a new room, a floor, a bigger bathroom or...

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BUSINESS FINANCE

BEGINNERS GUIDE TO LOAN AGAINST PROPERTY (LAP)

When you avail a loan by keeping your property as collateral then it is called Loan Against Property (LAP). Now this property can be a commercial as well as residential property. LAP is the most secured term of the loan for the bank ...

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Tips

HOW TO CLAIM TAX BENEFITS ON JOINT HOME LOANS

Joint home loans is always beneficial as your loan amount increases and your burden is also decreases as it is shared with the co-owner. That best part about joint home loans is both the owners can claim tax benefits.

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BUSINESS ADVICE

TIPS FOR NRIS INVESTING IN COMMERCIAL PROPERTY IN INDIA

Now for a non-resident Indians (NRI) it has become easier to buy a property in India, all thanks to new real estate rules. The Confederation of Real Estate Developers Association of India (CREDAI) regularly organises exhibitions for NRIs where it helps them scan different investment options and offer spot loans from top financial institutions. Factors like easy investment options and reduction in down payment value should play a vital role to attract you to invest in commercial property in India. Therefore, it is important that you check all the offers from CREDAI before you invest in real estate in India.

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FINANCIAL ADVICE

WAYS TO PREVENT HOME LOAN APPLICATIONS FROM GETTING REJECTED

Home holds a very special please in our heart. It is not mere an address but it somewhere becomes the part of our identity. We all wish to have our own home and we start saving for it from an early.

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Happy Owners

Happy Homes

“Owning a home brings in a sense of satisfaction and pride. The representative from Grihashakti has delivered good service and made our walkthrough in loan process easy. My favourite part in the entire home is the living room, which I have decorated well with special care.”

Mr. & Mrs. Vijaya Bhaskar Besta, Secunderabad

“Nothing compares to the happiness, which you get on moving to a home of your own. We are thankful to Grihashakti for helping us to achieve this happiness – they delivered excellent services in all aspects. Ever since we have moved to our home, our business has been booming!”

Pujan N. Maniar Family, Ahmedabad

“We are really happy to shift to our own place. Thanks to Grihashakti team, who helped us with their good service. The new home is very lucky for us because after we shifted here, I started my own business.”

Mr. & Mrs. Chandrashekhar Shashtrimath, Karnataka

“Having a house of your own gives you a sense of security and fulfilment. Kudos to the Grihashakti team – they are very prompt in their services! Our home is very special to us as we bond together as a family and also spend quality time with friends.”

Rupam Das Family, Kolkata

“We were looking for a home of happiness and peace. Thanks to the Grihashakti team, who helped us to realise this dream of ours. Our home has been very lucky for us – ever since we have shifted to our new home, prosperity followed!”

Mr. & Mrs. Kaithepalli Harishkumar, Vishakhapatnam

“I was very excited when I moved to my first home. Along with purchase of my new home, I also needed some funds to renovate my home. Grihashakti has been very cooperative and made my loan process very smooth. I love the balcony of my house, where I see birds chirping every morning."

Mr. R Sarvanakumar, Chennai

“Our new house is very special to me as it was the first house after our daughter was born. With Grihashakti we completed the loan process very smoothly. I love the hall of my house, where I can watch my daughter play.”

N. Durga family, Chennai

“The best part of our new home is its locality! Situated near a children’s park, now our children get to play during evenings. Service from Grihashakti has been wonderful with speedy and hassle-free loan process.”

P. Vasanthakumari family, Chennai

“Having a home is a special feeling and we experienced this when we moved from our rented accommodation to our own home. We feel fortunate to come across Grihashakti, who made the entire loan journey so simple and fast. My favourite place in the home is the living room, where I can relax with my wife after a day’s work."

Mr. &Mrs. Rakoti Simhachala, Vishakhapatnam

“It was a great feeling to own my first home. I am thankful to Grihashakti for their assistance throughout the loan process. Now my home being closer to my workplace, I can spend a quality time with my family”

Mr.Hemant Chandramani, Rajkot

“Staying in a home of your own has its own comforts. And if it is your first home, the feeling becomes more special. Thanks to Grihashakti as they helped us to realise our dream. The entire home is very special to us as we build sweet memories every day.”

Y. Sai Kumari Family, Vishakhapatnam

“A home of your own makes you feel independent. My mother was so happy when I shifted her to my own home. Grihashakti has been really helpful in making the entire loan process smooth and hassle-free. The favourite place at my home is the living room where I can spend quality time with my mother.”

Ms.Reema Chandiramani, Bhopal

Our home being the first home of our own is very special to me. It has also been a symbol of security for us. Grihashakti has been really quick in their processes and helped us through the entire loan process. Every corner of our home reflects a part of us – happiness and peace!"

Mr. & Mrs. Dinesh Sharman, Bhopal

I really feel proud to own my first home. I am thankful to Grihashakti, as the employees were so cooperative that I didn’t have to visit the branch repeatedly. My favourite in the home is balcony, from where I can see the vast sky."

Ms.Anju Saini, Kishangarh

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