NRI LOANS IN INDIA · COMPARE BANKS & NBFCs

Home loans so easy, you'll finish your chai first.

Compare NRI home loans, commercial property loans, land loans and loans against property in India, from wherever you live. Sharma Uncle does the running around. You just sip.

Opens WhatsApp. No forms, no waiting rooms.

Arre beta, loan lena hai? Pehle chai!
2-MINUTE CHECK

Pehle dekho, phir socho.

Tell Uncle what you need and where you live. See which lenders fit before you talk to anyone. No documents, no spam.

Find your financing path

Two-minute check. See which lenders fit before you talk to anyone.

This is a preliminary guide, not an approval. Final eligibility is subject to lender assessment and documentation.

WHAT WE FINANCE

Not just home loans. Poora menu.

Most NRI finance sites stop at home loans. We cover the full range of property-backed financing available to NRIs and OCIs in India, matched to what you're actually trying to do.

Ready & resale property

Home Loans

Finance for ready-to-move and resale residential property, structured around NRE/NRO income and repayment.

See home loans →
Construction-linked

Under-Construction Property

Loans tied to builder construction stages, with pre-EMI options while the project is being completed.

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Office · Shop · Retail · Warehouse

Commercial Property

Financing for offices, shops, retail units and warehouses, a category most NRI-loan sites don't cover at all.

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Plot & plot+construction

Land Loans

Financing for approved residential plots, with or without a linked construction plan.

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Unlock existing equity

Loan Against Property

Borrow against property you already own in India for any documented end-use.

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Switch & save

Balance Transfer

Move an existing home loan to a better lender, typically once a repayment track record is in place.

Read the guide →
HOW IT WORKS

Four steps. One chai.

From "where do I start" to a shortlisted lender.

1

Tell us your profile

Country of residence, property type and loan amount. Two minutes, no documents.

2

See lenders that fit

Loan Match shows which banks and NBFCs actually serve your profile, sourced from our lender database.

3

Compare terms

Rate, LTV, tenure and fees side by side, with a verification date on every figure.

4

Apply with support

We help assemble documentation and coordinate with the lender. Approval remains the lender's decision.

COMPARE LENDERS

Every number sourced and dated. No jugaad.

We separate official lender-published rates from indicative market ranges, and show when each was last checked. No number appears without a source.

LenderProductIndicative rate*Max LTVTenure
SBINRI Home Loan7.25% – 8.45%Up to 90%Up to 30 yrs
HDFC BankNRI Loan Against Property8.55% – 13.00%Up to 65%Up to 15 yrs
ICICI BankNRI Commercial Property Loan10.85% – 12.50%Up to 75%Up to 15 yrs

*Pulled from each bank's own published rate pages, September 2026. These are the bank's publicly listed ranges, not a rate quoted to a specific applicant. Actual offer depends on credit score, loan amount and profile, and SBI's 90% LTV applies to loans up to ₹30L only (tapering to 75% above ₹75L). Confirm current figures directly with the lender before quoting a client.

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BY COUNTRY

Wherever you are, Uncle's got a page.

Local income documentation, NRE/NRO and POA considerations differ by geography. Each page has genuinely local content, not a template with the country name swapped.

CALCULATORS

Hisaab-kitaab, before you talk to a lender.

EMI Calculator

Monthly payment for any loan amount, rate and tenure.

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Eligibility Calculator

Estimate how much you could borrow against your income.

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LAP Calculator

Estimate borrowing power against a property you already own.

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Affordability Calculator

Work backward from budget to a realistic property price range.

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HOW WE WORK

Funny on the outside. Serious about the facts.

Sourced data only

Every rate, fee and LTV figure links back to an official lender source or is clearly labelled indicative.

Verification dates

Financial figures show when they were last checked. Stale numbers are removed, not left live.

Named reviewers

Finance content carries an author and reviewer, not an anonymous byline.

Independent of any one lender

We compare across banks and NBFCs. We don't push one panel because it pays more.

COMMON QUESTIONS

Seedhe jawab, before you apply.

Yes. Most major Indian banks and several NBFCs lend to NRIs for residential property, typically against NRE/NRO income and standard KYC plus overseas-employment documentation. Terms vary by lender and by the applicant's country of residence.

Yes, from lenders that have approved the specific project. Disbursement is usually linked to construction stages, with a pre-EMI option until the full loan is disbursed.

Select lenders finance office, shop, retail and warehouse purchases for NRIs, though fewer lenders offer this than residential loans. Coverage by lender is detailed on our commercial property guide.

Often yes, using a registered Power of Attorney and video-KYC or embassy-attested documentation, though this varies by lender. We cover POA specifics on each lender's page.

Yes. Balance transfer and top-up loans are available from several lenders, typically once a minimum repayment track record has been established.

Chai thandi ho rahi hai. Baat karein?