Home Loan
Ready, under-construction or resale homes, plus loan against property, balance transfer and top-up.
From [X.XX]% p.a. · up to [XX]% of value
For NRIs, wherever you live
Loans and property in India, sorted in one click.
Home loans, business loans and working capital from [number] partner banks and NBFCs, RERA-registered properties, and expert business loan advisory. One advisor, in your time zone.
[XX]+
Lending partners
[XX]
Countries served
24h
Callback in your time zone
Lower franking charges*
Lower processing fee*
Doorstep document pickup*
Attestation in Singapore & Dubai*
KLICK NRI Exclusive offer. Subject to change. *Conditions apply.
Our promise: a WhatsApp reply within [30 minutes] between [9 am and 9 pm] Gulf and Singapore time. Free document check. No obligation.
Instant estimate
Can I go ahead? Find out in three steps.
Your own numbers, your bank's rate, and a clear answer. Just add your email so we can send you your estimate.
Estimated loan you can avail
₹1.73 Cr
| Monthly income | ₹3,00,000 |
| Less: living expenses | − ₹1,00,000 |
| Less: existing EMIs | − ₹0 |
| Monthly surplus | ₹2,00,000 |
| Lender limit on new EMI (about 50% of income, less existing EMIs) | ₹1,50,000 |
| EMI you can service each month | ₹1,50,000 |
| Total interest over 20 years | ₹1,87,15,374 |
Your expenses limit the EMI below the lender maximum. Your advisor can look at a co-applicant or longer tenure.
Indicative only. Uses common Indian lending norms: total EMIs up to about 50% of income, and tenure up to 30 years or until about age 60. The loan is also capped at 75% to 90% of the property value. Lenders decide the actual amount and rate.
Good news
Yes, you can go ahead with a loan of about ₹1.73 Cr.
An EMI of about ₹1,50,000 a month fits your budget at 8.5% over 20 years. We will take care of the rest.*
Let's find a way to make it work.
On these numbers there is little room for a new EMI. An advisor can look at a co-applicant, a longer tenure or a smaller loan. We will take care of the rest.*
KLICK NRI Exclusive offer. Subject to change. *Conditions apply. This is an indicative estimate based on the figures you entered and common Indian lending norms. It is not a loan approval or an offer of credit. The final amount, rate and terms are decided by the lender.
What we take care of for you
- Lenders matched to you
Only lenders that accept income from your country, ranked for your profile. - Documents handled
We check every paper before a lender sees it, so nothing comes back twice. - Doorstep pickup and attestation
Courier pickup from your home or office, and attestation arranged, in Singapore and Dubai.* - Rate and fees negotiated
Lower franking charges, lower processing fee and a competitive rate, negotiated for you.* - Tracked to disbursement
One advisor follows your loan from application to the money in your account.
One place, every lender you need
We work with [XX] banks, housing finance companies and NBFCs that lend to NRIs.
Banks and housing finance companies
- State Bank of India
- HDFC Bank
- ICICI Bank
- Axis Bank
- Kotak Mahindra Bank
- Bank of Baroda
- Punjab National Bank
- Canara Bank
- Union Bank of India
- IndusInd Bank
- HSBC India
- LIC Housing Finance
- PNB Housing Finance
NBFCs
- Bajaj Finance
- Tata Capital
- Aditya Birla Capital
Why NRIs choose us
Built for the loans that are hard to arrange from abroad
Most lenders are set up for borrowers who live in India. We specialise in the NRI cases they find difficult, and handle them end to end.
Overseas income, understood
Gulf contract jobs, US or UK salaries, self-employment abroad. We know which lenders accept which income from which country.
No need to fly back
Power of attorney, embassy attestation and video verification, arranged so the loan moves while you stay put.
Co-applicants sorted
Many NRI loans need a resident co-applicant or guarantor. We guide your family member through every step.
Documents checked once
We review your papers before a lender sees them, so you are not asked for the same thing three times.
Your time zone, your channel
WhatsApp, Google Meet or a call at a time that suits Dubai, Singapore, London or New York.
Harder cases welcome
OCI cardholders, returning NRIs, joint owners abroad, older properties. The cases banks often turn away.
Home loans, business funding and advisory
Matched only to lenders that accept income from your country, so you are not turned away after weeks of paperwork.
Business Loan
Builder funding, working capital and term loans for your Indian company or firm, with Business Loan Advisory & Consultancy as a value-add.
From [X.XX]% p.a. · subject to lender policy
Working Capital
Cash credit, overdraft, bill discounting, letters of credit and bank guarantees, sized to your business cycle.
From [X.XX]% p.a. · subject to lender policy
Consultancy
Business Loan Advisory: feasibility, structuring, lender negotiation and syndication, from first model to final drawdown.
Value-add for every business client
We also arrange plot loans, car and commercial vehicle loans and education loans for NRIs. Ask your advisor.
Compare offers
Compare NRI loan offers in seconds
Choose a loan, amount and tenure. Lenders are ranked by their published starting rate, with your estimated monthly EMI.
| Est. monthly EMI | Total interest | Processing fee | Action | ||
|---|---|---|---|---|---|
| Union Bank of India Lowest published rate | 7.15% p.a. | ₹58,825 | ₹66,17,908 | 0.50%, max ₹15,000 + GST | Get my exact rate |
| LIC Housing Finance | 7.15% p.a. | ₹58,825 | ₹66,17,908 | 0.25%, max ₹15,000 + GST | Get my exact rate |
| Bank of Baroda | 7.20% p.a. | ₹59,051 | ₹66,72,287 | ₹8,500 to ₹25,000 | Get my exact rate |
| State Bank of India | 7.25% p.a. | ₹59,278 | ₹67,26,768 | 0.35%, ₹3,000 to ₹12,000 + GST | Get my exact rate |
| Punjab National Bank | 7.50% p.a. | ₹60,419 | ₹70,00,677 | 0.35%, ₹2,500 to ₹15,000 | Get my exact rate |
| Kotak Mahindra Bank | 7.60% p.a. | ₹60,879 | ₹71,10,940 | Up to 2% + GST | Get my exact rate |
| HDFC Bank | 7.75% p.a. | ₹61,571 | ₹72,77,074 | Up to 0.50%, min ₹4,000 | Get my exact rate |
| Axis Bank | 8.00% p.a. | ₹62,733 | ₹75,55,921 | Up to 1%, min ₹10,000 + taxes | Get my exact rate |
Lenders' published starting rates as on October 2026, from this published source. Starting rates apply to the best-qualified borrowers; the rate offered to you depends on your profile, income country and lender policy and may be higher. Lenders are ranked by published starting rate only, not by recommendation. EMI is an estimate at the starting rate. Not an offer of credit.
Home Loan rates are priced case by case
Lenders price these facilities on your project, business and security. Share a few details and your advisor will bring back live offers from our lending partners.
Your exact NRI offer, free
Unlock your personalised home loan offer within 24 hours
- Lower franking charges and processing fee*
- Competitive pricing, negotiated on your full profile
- Doorstep document pickup and attestation in Singapore and Dubai
- A dedicated advisor, in your time zone
KLICK NRI Exclusive offer. Subject to change. *Conditions apply.
KLICK NRI Exclusive
Benefits you only get with us
Apply through KLICK NRI and these come with your loan.
Doorstep and attestation service now live in Singapore and Dubai
Lower franking charges
Reduced franking (stamp) charges on your loan agreement.*
Lower processing fee
Reduced processing fees negotiated with our partner lenders.*
Competitive pricing
We negotiate your rate with lenders, based on your full profile.*
Doorstep service
Courier pickup of your documents from your home or office.*
Attestation service
Notarisation and attestation of your power of attorney and documents arranged for you.*
KLICK NRI Exclusive offer. Subject to change. *Conditions apply. Benefits apply to eligible loans sanctioned and disbursed through KLICK NRI, subject to lender approval. Doorstep document pickup and attestation are currently available in Singapore and Dubai only. [Third-party notary and Indian mission fees: see offer conditions.]
Why you can trust KLICK NRI
Registered company
KLICK NOVA CONNECT, [registration number and registered address].
Regulated lenders only
Every loan is sanctioned by an RBI-regulated bank, housing finance company or NBFC.
Your data, protected
Shared only with lenders you choose, with your consent, under India's data protection law.
Clear terms
Fees, offers and conditions stated upfront. No hidden charges.
Featured properties
Residential, commercial and plots NRIs can buy, with financing pre-checked.
Developers whose projects we feature
- DLF
- Godrej Properties
- Prestige Group
- Sobha
- Brigade Group
- Lodha
- Oberoi Realty
- Tata Housing
- Mahindra Lifespaces
- Puravankara
- Kolte-Patil Developers
- Sunteck Realty
- Hiranandani Group
- Shapoorji Pallonji Real Estate
- Rustomjee
![Residential property: [Project name]](/assets/illustrations/tower.svg)
![Commercial property: [Project name]](/assets/illustrations/office.svg)
![Plot property: [Layout name]](/assets/illustrations/plot.svg)
No listings match these filters yet. Try fewer filters, or tell us what you are looking for.
Properties are shown for information. KLICK NRI is a referrer only: we introduce interested buyers to the developer or to our RERA-registered agent partner, and we do not negotiate or act for either party. Property bookings are handled by [RERA-registered agent name], RERA registration no. [number], who receives any booking commission. Each project shows its RERA registration number; please verify it on the relevant state RERA website, and check title, approvals and the payment plan independently before paying. Prices and offers are set by the developer and may change. Financing is subject to the lender's legal and technical checks.
Under India's foreign exchange rules, NRIs and OCI cardholders can generally buy residential and commercial property in India, but not agricultural land, plantation property or farmhouses (except by inheritance or as otherwise permitted). Payment must come from abroad through normal banking channels or from funds in your NRE, FCNR(B) or NRO account. This is general information, not legal advice.
What would your EMI be?
Move the numbers to see your monthly instalment. Your advisor will confirm the rate your profile qualifies for.
Your monthly EMI
₹66,278
Total interest₹84,06,793
Total payable₹1,59,06,793
Illustrative only. Not an offer of credit. Actual rate, amount and tenure are decided by the lender.
Get this rate checkedHow it works from abroad
Tell us what you need
A 60-second form or a WhatsApp message.
Talk to your advisor
A call at a time that suits your time zone.
Compare your options
Only partners that accept clients from your country.
We handle the paperwork
Documents, power of attorney and follow-up, end to end.
Questions NRIs ask us
Can I get a home loan in India while living abroad?
Yes. Indian banks and housing finance companies lend to NRIs and OCI cardholders to buy, build or renovate a home in India. Lenders look at your overseas income, how long you have worked abroad, your country of residence, your age at the end of the loan and your credit history. Some accept income only from certain countries, and some ask for a resident Indian co-applicant. That is why we match you only to lenders that accept income from where you live. Typical minimums are [X years' work experience abroad] and [minimum monthly income], subject to lender policy.
How do I repay the EMI from overseas?
Most NRIs repay through a standing instruction or auto-debit from an NRE or NRO account in India. You keep the account topped up by sending money from abroad through normal banking channels. Rental income from the property, credited to your NRO account, can also be used. Some lenders accept direct remittance or cheques from an overseas account. Indian foreign exchange rules allow repayment from these sources. Your advisor will set up the option your lender supports, so EMIs are not missed while you are travelling or changing jobs.
Do I need to travel to India to complete the process?
Usually not. You can sign a power of attorney abroad authorising a family member or trusted person in India to sign documents and complete formalities for you. The power of attorney is typically notarised and attested at the Indian embassy, high commission or consulate, or apostilled where the lender and state accept it, and then adjudicated (stamped) in India. Many lenders also use video KYC or verification calls. We arrange doorstep pickup and attestation in Singapore and Dubai. Some lenders may still ask for an in-person step.
What kind of property can an NRI buy?
Under India's foreign exchange rules, NRIs and OCI cardholders can generally buy residential and commercial property in India, such as flats, houses, offices, shops and non-agricultural plots, without RBI permission. They cannot buy agricultural land, plantation property or farmhouses, except by inheritance or with specific permission. Payment must come through normal banking channels from abroad or from your NRE, FCNR(B) or NRO account, not in foreign currency notes or travellers' cheques. Every project we list shows its RERA number.
General information only. Lender policies vary and the lender makes the final decision.
Resources
Read up before you borrow
Guides, checklists and calculators for NRIs, all in one place.
NRI guides
Plain-language reading on borrowing and owning property in India from abroad.
Country checklists
Documents and income proof that lenders ask for, by where you live.
Updates and FAQs
What has changed, and answers to common questions.
KLICK NRI Exclusive: offer conditions
These conditions apply to the benefits shown across this website: lower franking charges, lower processing fee, competitive pricing, and doorstep document pickup and attestation in Singapore and Dubai.
- Benefits apply only to loans where KLICK NRI introduced you to a participating lending partner, and the lender sanctioned and disbursed the loan during the Offer Period.
- Stamp duty is set by state law and is payable in full; the franking benefit is a contribution by KLICK NRI, as set out in the conditions.
- Final rates and fees are set by the lender and shown in the lender's Key Fact Statement.
- Doorstep document pickup and attestation are currently available in Singapore and Dubai only.
- KLICK NRI may change or withdraw these offers at any time without prior notice. A change does not affect a benefit already confirmed to you in writing for an application submitted before the change.
KLICK NRI Exclusive offer. Subject to change. *Conditions apply.
KLICK to connect
Meet your advisor, face to face, from anywhere
Book a Google Meet video call at a time that suits you, or ask our Servicing Team to call you back.
Video meeting on Google Meet
30 minutes with an advisor. The Meet link is emailed to you.
Know NRIs who need help in India?
Property agents, community groups and accountants abroad can refer clients and earn on every completed case.