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Home Loan in Valsad

Valsad, a city and district also known as Bulsar in southeast Valsad lies along the Gulf of Khambhat or Cambay. Valsad exports cotton, silk, grain, timber, and molasses. The city has a reputation for handloom cloth, dyes, bricks, and pottery. Several temples and a fort are attributed to Chatrapati Shivaji Maharaj line Mount Parnera in the district. Welspun, Wyeth, United Phosphorus, Sun Pharma, GHCL, Pidilite, and Vadilal are among some of the private industries in Valsad. Morarji Desai who was the Prime Minister of India from 1977 to 1979 was born in this district. The district houses a Parsi Fire Temple in Valsad; the Valsad Atash Behram was constructed in 1742. The Lady Wilson Museum at Dharampur in Valsad displays an impressive collection of tribal art and craft.

Ruloans, a one-stop shop for hassle-free loans provides economical housing finance solutions under the roof. Whether you’re looking for funds to acquire a new house or build a house on a plot of land, Ruloans offers you a far-reaching collection of solutions to suit your unique housing needs. We’ve partnered with well-known Banks and NBFCs to offer you a cost-effective Home Loan in Valsad with tenures spreading up to 30 years at low-interest rates to allow you to alter and tweak your EMIs. Make your dream home a certainty; Ruloans will get you a hassle-free Home Loan in Valsad at no further costs.

What makes Home Loan a Perfect Choice!

What makes Home Loan a Perfect Choice!

A home loan at Ruloans requires a simple application with easy eligibility and minimal documentation. You may avail of several home loan features and benefits such as low-interest rates, flexible repayment tenures, balance transfer, top-up loans, and others. A Home Loan in Valsad at Ruloans can afford you your dream home.

High-Value Loan

Our partner banks and NBFCs give you the best of all the worlds in terms of finance. At Ruloans you have the power to avail a high-value home loan of up to 90% of mortgaged property value. We highly value your dream home.

Economical Interest Rates

Home Loan interest rates offered by our partner banks and NBFCs are the lowest rates offered by financial institutions. You’ll be shocked at how easily your mortgaged property can get you to cost-effective funds.

Extended Repayment Tenure

Home loan finance market conditions are such that, each of our partner banks or NBFCs has the best to offer you in terms of repayment tenures due to competition. This gives you the opening to profit from long repayment tenures that stretch from 10 years to 30 years.

Tax Benefits

You are entitled to claim income tax deductions on interest and principal repayments under the Income Tax Act. Claim up to Rs. 1.5 Lakhs on principal repayments under section 80C, up to Rs. 2 lakh on interest under section 24B, up to Rs. 2 lakh on interest in special circumstances under sections 80EE and 80EEA, and up to Rs. 1.5 lakh on stamp duty expenses under section 80C.

No Prepayment Penalty

Prepayment decisions can save a whole lot of money. A floating-rate home loan can be prepaid without a prepayment charge or a penalty. Fixed-rate home loans are generally charged a penalty of roughly 2% when you borrow to prepay; however, no prepayment penalties are charged if you use your own funds.

Balance Transfer Facility

A home loan balance transfer refers to the transfer of your entire outstanding home loan balance from your current bank to another bank. This facility allows you to save on interest rates, service charges, other charges, etc.

Top Up Loan

A home loan top-up refers to an offering that allows you to borrow an amount over and above your current loan amount in accordance with your creditworthiness for a charge. This loan can be used when you feel the need to access more funds than are available.

Quick Disbursal

Ruloans’ 24/7 Digital Resources have made the loan process pretty easy and simple for a loan seeker. Our home loan process with easy eligibility and minimal documentation will amaze you. You will find your home loan processed and approved, and your loan amount in your account earlier than you expect.

Eligibility Criteria for a Home Loan in Valsad

The term Loan Eligibility broadly refers to your qualifications for the loan. Home Loan eligibility criteria is based on parameters that are common to most banks and NBFCs. Specific criteria vary in accordance with individual lender requirements. Such criteria are used as a standard to resolve issues such as the number of funds to be lent, the tenure, and the interest rate. Eligibility criteria for Home Loan in Valsad are listed below.


Your age should be minimum of 21 years, and a maximum of 68 years at Loan Maturity


You should be a Resident Citizen of India without having defaulted on any previous loans and without any Criminal Record

Credit Score

Your credit score should be 650 or higher

Eligible Entities

If you’re a salaried individual, you should be working with a Private Limited Company, or a Public Limited Company. As a self-employed person, you should be a Proprietor, Partner, or Director. Partnership or Private Limited Companies engaged in manufacturing, servicing, or trading are eligible for a Home Loan

Work Experience or Business Vintage

You should have a minimum of 1-year of experience with your current employer as a salaried person. If you are a self-employed person, you should be in the same business for the last 3 years. As Professional CA, CS, or Doctor, you need a minimum of 1-year practice. A firm or a company needs business stability or vintage of a minimum of 3 years in the same business


As a salaried person, you should have a salary of Rs. 25,000. As a self-employed individual, your gross annual income should be a minimum of Rs. 3 lakh. A firm or a company requires an annual turnover of a minimum of Rs. 10 lakh

Note: The above eligibility criteria are for indicative purposes only, and can vary from lender to lender.

What are the Documents Required for a Home Loan in Valsad

We at Ruloans are devoted to making your Home Loan process as smooth as possible. Documents obligatory for a Home Loan are nominal. We request you to furnish precise facts and credentials so that your Home Loan request can be administered in the shortest conceivable time. Documents required for a Home Loan in Valsad are listed below.

Documents Required

For Salaried Person
  • Identity Proof (Like Aadhar card, pan card, etc.)
  • Address proof such as electricity bill, passport, aadhaar card, etc.
  • Signature proof (Pan card, Passport, etc.)
  • Income Documents like 3 months' Payslips along with one-year Bank statement of salary account.
  • Form 16
For Self-Employed (PROPRIETORSHIP)
  • Age Proof of applicant & co-applicant required (Pan Card Copy and aadhaar card)
  • Residence Address Proof required of applicant & co-applicant (For E.g.- Passport Copy, Driving License copy, Latest Telephone / Electricity Bill copy)
  • Office Address Proof required with company stamp (Latest Telephone / Electricity Bill, Shop Establishment Certificate, etc.).
  • Latest 3 years ITR with profit and loss and balance sheet.
  • Latest one-year bank statement
  • GST certificate & udyam aadhaar certificate.
  • Latest one-year GST challan GST-3b.
For Self-Employed (PVT LTD Company)
  • Age Proof of applicant & Co-applicant (For E.g.: -Passport, Driving License, PAN Card, Birth Certificate).
  • Residence Proof of each applicant & Co-applicant - (For e.g. -Passport, Telephone bill /Electricity Bill)
  • Business proof (GST Certificate & Udyam Aadhar)
  • Company Pan Card copy with company stamp & signature.
  • Required three years ITR Returns of Applicant & Co- applicant
  • Latest three years Company ITR Returns required with Computation of Income, Profit & Loss A/c, Balance Sheet, Capital A/c, Audit Report with 3cb & 3cd (if audited) and all schedules.
  • Memorandum of Association(MOA) and Article of Association(AOA)
  • List of Directors with Share Holding Pattern required on company letterhead with stamp & sign.
  • Board Resolution on company letterhead with stamp & sign.
  • Form 32 / Annual Return file with ROC.
  • Latest Year Bank statements of all Current A/c's.
  • Updated one-year bank statements of all saving A/c's
  • Company Profile on company Letterhead
  • Provide Latest One Year GST 3B Challan required.
For PVT LTD Directors(Withdrawing salaries)
  • Latest 4 months' salary slip or salary certificate from the company.
  • Latest Three Years Form-16 or three years 26AS of applicant & Co-applicant required.
  • Latest Year bank statements in which Salary is been credited
For Self-Employed (Partnership Firm)
  • Age proof of applicant & Co-applicants. (E.g. Pan Card, Passport, Driving License, Birth Certificate Etc.)
  • Residence Proof of applicant & Co-applicant's (E.g. Passport, Tel/ Electricity bill, Lease Agreement along with latest electricity bill in the name of owner).
  • Business proof (GST Certificate & Udyam Aadhar)
  • Latest 3 Years Complete ITR of applicant and co-applicant
  • Latest 3 years complete ITR of the company with profit & loss and balance sheet
  • Audit reports for all three years if audited
  • Partnership Deed
  • Pan Card copy of partnership company required with stamp & signature
  • Company A/c Bank Statements (Latest 12 Months)
  • Saving Bank Statements (Latest updated 12 Months required)
  • Company Profile of the Company
Documents Required For Balance Transfer
  • All the documents above mentioned are required
  • Sanction letter of ongoing loan
  • Loan statement account for last two years
  • Outstanding letter

Note: The above documentation requirements are for indicative purposes only, and can vary from lender to lender.

All the documents above mentioned are required Sanction letter of ongoing loan Loan statement account for last two years Outstanding letter

How to Apply for a Home Loan in Valsad?


Online Application

Fill out your 'Basic Details'


Document Submission

After you receive your 'Home Loan Eligibility', choose your 'Financial Institution', and upload 'Required Documents'



The Institutions will 'Verify' your Home Loan application, and submitted documents



Your Home Loan will be 'Sanctioned'



Receive your 'Home Loan Amount' in your Bank Account - Simply Efficient!

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