A home is more than just bricks and cement — it’s where your story begins, where your family grows, and where your dreams find a permanent address. At Tru Loan, we understand that buying a home is one of the most important decisions of your life. That’s why we’re committed to offering simple, transparent, and affordable home loan solutions tailored to your needs.
That’s why Tru Loan is committed to making your homeownership journey smooth, transparent, and stress-free. Our home loan solutions are designed to fit every lifestyle, income level, and long-term goal — ensuring that your dream home doesn’t remain just a dream.
With Tru Loan, you get affordable interest rates, flexible repayment options, quick processing, and expert guidance, all under one roof. We combine advanced digital processes with a human touch, giving you the perfect balance of convenience and confidence.
Why Choose Tru Loans?
Experience smarter, faster and more convenient home loan services
Competitive Interest Rates
Tru Loans provides attractive and affordable interest rates to reduce your EMI burden and make homeownership easier.
Flexible Loan Amounts
From compact homes to premium properties, Tru Loans offers flexible loan amounts tailored to your requirements.
Quick Approval & Disbursement
Enjoy a smooth and fast home loan approval process with quick disbursement so you never miss an opportunity.
Transparent Process
No hidden charges, no confusing terms — Tru Loans keeps every step clear and fully transparent.
Dedicated Customer Support
Get personalised assistance at every stage — from eligibility to documentation and disbursement.
Eligibility Criteria
Check the basic requirements for applying for a Tru Loans home loan
| Criteria | Details |
|---|---|
| Age Limit | 18 – 65 years (must not exceed 70 by loan maturity) |
| Nationality | Indian Residents, NRIs, and Persons of Indian Origin (PIOs) |
| Minimum Income |
Salaried: ₹25,000 per month Self-Employed: ₹2,00,000 per annum (varies across lenders & locations) |
| Work Experience |
Salaried: 2 years Self-Employed: 5 years |
| Credit Score | Recommended 750+ (may vary by lender) |
Documents Required
List of documents needed for both Salaried and Self‑Employed applicants
Self‑Employed Individuals
- KYC: Photo, PAN, Aadhaar of Applicant & Co‑applicants
- Utility Bill (Electricity)
- Business Proof:
• Gumasta License (Proprietor)
• Company PAN / Partnership Deed (Partnership)
• Company PAN / MOA / AOA / Incorporation Certificate / Directors List (Pvt. Ltd.)
• Udyam Certificate - 1 Year GST Return
- Last 2 years ITR (Company &
Individual):
• Acknowledgement
• Computation of Income
• Balance Sheet & P&L with Schedules
• 3CD & 3CB (if applicable) - Last 12 months Current Account Statement
- Last 6 months Savings Account Statement
- NOC from Society/Builder
- Cost Estimate for Property Construction (Cost Sheet)
- Registered Sale Deed / Allotment Letter / Stamped Agreement (Original)
- Occupancy & Completion Certificate / Plan Copy (if OC not available)
- Builder Cost Sheet (for under‑construction properties)
Salaried Individuals
- KYC: Photo, PAN, Aadhaar of Applicant & Co‑applicant
- Latest 3 months’ Salary Slips
- 12 months Bank Statement (Salary Credited)
- Utility Bill (Electricity/Gas)
- Form 16 for last 2 years
- Company ID Card / Offer Letter / Visiting Card
- NOC from Society/Builder
- Cost Estimate for Construction (Cost Sheet)
- Registered Sale Deed / Allotment Letter / Stamped Agreement (Original)
- Receipts of Advance Payments (Original)
- Occupancy & Completion Certificate / Plan Copy (if OC not available)
Frequently Asked Questions
Get answers to the most common home loan queries.
