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Fullerton India Home Finance Co. Ltd. is now SMFG India Home Finance Co. Ltd.

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Since 2015, we have strived to provide customers with affordable mortgage loans to help them realise their dreams. As SMFG Grihashakti, we continue with our efforts and commitment to provide the underserved markets with easy access to credit and help them achieve their dreams be it buying their dream home, getting the required funds to grow their business or personal needs, buy commercial property and more.

Loan Products

SMFG Grihashakti offers a range of mortgage solutions to meet the needs of every individual. Explore our offerings across housing finance, commercial property loans and loan against property to know more.

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Get an approximate figure for the total monthly instalment payments along with a complete break-up of the home loan.

  • Loan EMI Calculator
  • Eligibility Calculator

Your Resultant EMI

EMI Payable (Per Month)

These calculators are provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances.

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See What Makes People Happy

Mr. & Mrs. Vijaya Bhaskar Besta

Mr. & Mrs. Vijaya Bhaskar Besta, Secunderabad

"Owning a home brings in a sense of satisfaction and pride. The representative from SMFG 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."

Pujan N. Maniar Family

Pujan N. Maniar Family, Ahmedabad

"Nothing compares to the happiness, which you get on moving to a home of your own. We are thankful to SMFG 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!"

Mr. & Mrs. Chandrashekhar Shashtrimath

Mr. & Mrs. Chandrashekhar Shashtrimath, Karnataka

"We are really happy to shift to our own place. Thanks to SMFG 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."

Rupam Das Family, Kolkata

Rupam Das Family, Kolkata

"Having a house of your own gives you a sense of security and fulfilment. Kudos to the SMFG 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."

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  • 70 Branches


    No of Branches

  • 5 Years of service


    Years of service

  • happy Customers


    No of Employees

  • success

    14K Cr+*

    Successful Disbursals

  • New Coustomer

    8.9K Cr+*

    Book Size

*As of 31st March 2024
**As of 15th May 2024

Knowledge Center

Browse through various articles on home finance, home renovation & more.

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Home Loan

House Renovation

Loan Against Property

Knowledge Center - Thumbail - Tips

Loan Tips



Know more about Home Finance

How Do I Apply For a Home Loan?

You can apply for a home loan online in 4 simple steps

  • Click on the apply now button on this page
  • Enter your information as requested
  • Upload documents
  • Click "Submit"

We will review your application and get in touch with you for further steps.

Alternatively, you can also visit your nearest SMFG Grihashakti branch.

What are the interest rates of home loans?

At Grihashakti, we ensure that we offer the best interest rates as per each applicant's profile and eligibility.

What are the eligibility criteria for getting a Home Loan?

Here are some of the basic eligibility criteria for getting a home loan from Grihashakti:

  • You must be a resident of India
  • You must be at least 21 years at the time of loan application and not more than 65 years by the time of loan maturity
  • For Salaried applicants:

    • Minimum monthly salary of INR 1,20,000 per annum
    • You must have been employed at your current job for at least 1 year
  • For Self Employed applicants:

    • Your annual turnover and yearly profit after tax should meet a minimum amount (which depends on the nature of your business and industry)
    • You must have been managing your current business for at least 3 years
  • You must have a CIBIL score of at least 700
  • The property you wish to purchase must have all the necessary paperwork and should be certified

What are the documents required for applying for a home loan?

Here are some of the required documents for a home loan:

  • PAN Card (this is mandatory) of all applicants
  • Valid address proof such as Aadhaar card, Voter ID, passport, etc. of all applicants
  • Proof of employment - Appointment letter for salaried and proof of business for self employed
  • Income proof - past 3 months salary slips for salaried and audited financials for self employed
  • Bank statements for the past 6 months
  • Documentation related to the property being purchased including OC and ownership deed

Depending on your eligibility and our policy at the time of loan application, additional documents may also be requested.

What is PMAY Subsidy?

The PMAY Subsidy is a scheme introduced by the Indian government in an effort empower people from lower income groups by providing a subsidy on the purchase their first home. To avail this subsidy, one's annual household income cannot exceed INR 6 lakhs, the tenure of the home loan cannot exceed 20 years, and the primary applicant should be a woman.

What are the tax benefits on home loans?

Home loans enable borrowers to avail tax benefits benefits under Section 80EEA upto INR 3.5 lakhs on the interest paid every year. This amount used to be INR 2 lakhs intitally, but the Union government recently increased this amount to INR 3.5 lakhs in 2020. This deducation can be availed even if you have already taken the PMAY subsidy, and is only applicable for homes with a stamped value of INR 45 lakhs or more.

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How can we help you?

Get In Touch

Have a query? You can contact us through any of the channels listed below.

Branch Locator

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Disclaimer: *Please note that loans are disbursed at the sole discretion of SMFG Grihashakti. Final approval, loan terms and disbursal process will be subject to SMFG Grihashakti’s policy at the time of loan application. If you are an existing customer and wish to foreclose your loan, please note that foreclosure terms and charges will be applicable as per our policy at the time of loan foreclosure.

SMFG India Home Finance Co. Ltd. (Formerly Fullerton India Home Finance Co. Ltd.)
CIN number: U65922TN2010PLC076972

All rights reserved © 2024 - SMFG Grihashakti

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