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Affordable Housing Finance

Home Loans

Everyone has a right to their own Home. We have ensured that our easy processes reflect the same philosophy irrespective of whether the customer is Salaried or Self-Employed. Getting Home loans from us is simple, easy and convenient, with quick approval of all sets of home loans.  And all this without you having to move out of your home. In addition, we also help you avail of the benefits of the Credit Linked Subsidy Scheme under Pradhan Mantri Awas Yojana.

7 Types of Home Loans customised as per your needs:

Home Purchase

Loan for purchase of ready built/ under-construction residential property

Home Construction

Loan for construction of a residential property

Home Extension

Loan for extension on an existing residential house be it an additional room, additional floor, a larger bathroom, or even enclosing an open balcony etc.

Home Improvement

Loan for renovation/ makeover, both internal, as well as external, of an existing residential house like tiling and flooring, painting, plumbing and electrical work, waterproofing and roofing, grills and aluminium windows, waterproofing on terrace, construction of underground/overhead water tank, paving of compound wall etc.


Reimbursement of expenses already spent for buying, constructing or extending a home

Balance Transfer Loan

Transfer of a Home Loan from an approved institution

Balance Transfer + Top Up Loan

Transfer of a Home Loan from an approved institution with the facility of a top-up loan


ART's Home Loan Features

  • Long Loan tenure upto 30 years*
  • Loans ranging from Rs 3 Lakhs to Rs 50 Lakhs*
  • Attractive rate of interest
  • Home Loans up to 90% of the property value*
  • No pre-payment charges in home loans, wherever applicable
  • Flexible repayment options
  • Minimum income/net profit of a family member/business can be as low as Rs. 5000 p.m.*

*Terms and Conditions apply

ART's Home Loan Advantages

  • Technology enabled paperless application
  • Easy documentation
  • Personalized customer service
  • Transparent processes
  • Tailor-made solutions to suit your needs
  • Assessment based credit understanding
  • Quick and efficient processing
  • Competitive home loan interest rate
  • Skilled and Trained Team

ART's Home Loan Eligibility

  • Indian Resident
  • Minimum 23 years at the commencement of the Loan
  • Upto 65 years of age at loan maturity*
  • Salaried and Self employed Segments
  • Formal and Informal Income Segments
  • Eligibility is dependent on applicant’s income and repaying capacity, age, employment/business vintage, assets and liabilities, cost of the proposed property etc.

*Terms and Conditions apply

ART’s Home Loan Documents Required

  • Valid KYC documents of all applicants
  • Bank statements of last 6 months (Latest)
  • Income Proof for Salaried customers
    • Last 3 month’s salary slip or latest salary certificate from the employer
    • Current job appointment letter / Contract letter
    • Latest Form-16 (if available)
  • Income Proof of Self Employed Customer
    • Latest 2 years ITRs with financials, CA certified or audited as applicable
  • Business Vintage proof for Self-employed customers
    • Registration Certificate of the business• Partnership Deed and Registration Certificate issued by District Registrar in Partnerships
    • Trade License
    • Shop & Establishment Certificate
    • Vat Registration Certificate
    • CST Registration Certificate
    • Service Tax Registration Certificate
    • GST Registration Certificate
    • Any other document issued by Government / Government Authority identifying the entity
  • Copy of property documents before sanction

*Terms and Conditions apply

ART's Home loan Interest rates


Home Loan EMI Calculator




Subsidy benefits under Pradhan Mantri Awas Yojana


Pmay Scheme Details

  • Applicable for four customer income groups;
    • Economically Weaker Section (EWS)
    • Low Income Group (LIG)
    • Middle Income Group-I (MIG-I)
    • Middle Income Group-II (MIG-II)
  • Families with household1 income up to ₹ 18 Lakhs  can avail the benefit of subsidy
  • Different carpet areas allowed for different income group of customers
  • Subsidy of 3% to 6.5% on the eligible loan amount on different income group of customers


Pmay subsidy eligibility

  • Women ownership of property is preferred
  • No other Pucca house ownership in the name of any member of the household
  • Other norms as per the table below


Scheme Income Group Max. Annual Household Income Loan Amt. qualified for Subsidy Rate of Interest Subsidy Carpet Area of the housing unit Max. Tenor Max. Subsidy Amount
Scheme for EWS/LIG EWS Upto ₹ 3 lacs ₹ 6 lacs 6.50% Upto 30 Sq Mtrs 20 years Max ₹ 2.67 lacs
LIG ₹ 3.01 lacs to ₹ 6 lacs ₹ 6 lacs 6.50% Upto 60 Sq Mtrs 20 years Max ₹ 2.67 lacs
Scheme for MIG MIG-I ₹ 6.01 lacs to ₹ 12 lacs ₹ 9 lacs 4.00% Upto 120 Sq Mtrs 20 years Max ₹ 2.35 lacs
MIG-II ₹ 12.01 lacs to ₹ 18 lacs ₹ 12 lacs 3.00% Upto 150 Sq Mtrs 20 years Max ₹ 2.30 lacs


1Household incudes husband, wife and unmarried children