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Home Loan for Self Employed

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Home Loan for the Self-Employed

While a large part of the Indian work force is Self-employed, this category of home seekers has been largely ignored by housing finance entities.

The reasons range from variable or irregular monthly income and lack of proper documentation to support their real financial status, even when they are eligible for credit. Aadhar Housing Finance understands these ground realities and has evolved new processes that facilitate the assessment of income for self employed individuals.

This enables us to extend housing loans on fair terms even to those who might otherwise remain ineligible for a loan. We acknowledge the sheer effort and hard work that is typical of such individuals, and specially focus on enabling them to acquire homes, through our schemes specially designed to offer home loans for self-employed individuals.

Loan Amount

You can avail of an Aadhar Home Loan up to Rs. 1,00,00,000/- but not exceeding 80% of the cost of property. The actual loan amount is determined after assessing the individuals requirement and his repayment capacity based on various factors like:

  • The self employed person should be less than 70 years of age.
  • The applicant is self employed /trader or engaged in service industry.
  • The applicant should have been in the same line of business for a minimum period of 3 years or should have inherited the business from parents.
  • The applicant should be able to contribute at least 20% of the total sum required.
  • Sales Tax Registration or any other registration of business required by statutory authorities / local laws is mandatory.
  • Business premises should not be on encroachment land without title to property or deviated in construction from approved plans.

To calculate your indicative home loan eligibility based on your financial background you can use our

Loan Eligibility Calculator


The maximum loan tenure on your Home Loan is up to 30* years. The tenure however does not extend beyond the retirement age or 60 years whichever is earlier.


The EMI that you would be paying to repay the loan depends on factors like Quantum of loan, Interest rates applicable & the tenure you have taken the home loan for.

To calculate the indicative EMI on your home loan you can use our

EMI Calculator

Applicant and Co-Applicant

Aadhar Home Loans can either be applied individually or jointly. The Co-Applicant may or may not be a Co-owner of the property. However all the Co-owners of the property must be a Co-Applicant. Co-Applicants should be immediate family members like Spouse, Parents or Children*.

For more information, you can click on "Apply for Loan" button on the left side and provide your details and an Aadhar representative shall get in touch with you shortly.

You may also walk in to the nearest Aadhar Housing finance branch in your city.
For complete list of Aadhar Housing finance branches, please click here

*Terms & Conditions apply. Credit is to be extended at the sole discretion of Aadhar Housing Finance Ltd.


You can now avail subsidy from the Central Govt. on purchase of your first house under "Pradhan Mantri Awas Yojna". For more details click below


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Call us at : 1800 3004 2020 (Toll Free)