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    Home First Finance Company
    • English
    • Hindi
    • Marathi
    • Gujarati
    • Telugu
    • Tamil
    • Kannada
    1. Loans arrow
      • Home Loan
      • Self-Construction Loan
      • Resale Loan
      • Mortgage Loan
      • Shop Loan
      • Renovation Loan
      • Top-up Loan
    2. Calculators arrow
      • EMI Calculator
      • Loan Eligibility Calculator
      • Auto Prepay Calculator
      • PMAY Subsidy Calculator
    3. About
    4. Career arrow
      • Overview
      • Freshers
      • Experienced
      • Job Listing
    5. Contact Us
    6. PMAY 2.0 NEW
    7. Investor Relations arrow
      • Annual Report
      • Financial Results
      • Investor Meet and Presentation
      • Shareholding Pattern
      • Corporate Governance
      • Impact Reporting
      • Shareholders Information
      • Disclosures Under SEBI LODR
      • Investor Grievance
      • Credit Rating
      • Analyst Coverage
      • Dividend
      • Online Dispute Resolution (ODR)
      • Qualified Institutions Placement
    8. Blogs
    9. Media
    10. Articles
    11. FAQs
    12. Get Loan arrow
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    14. Track Loan arrow
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    • Home Loan
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    Top Up Loan

    Be a topper!

    Getting an additional loan was
    never this easy

    icon

    Better than a personal
    loan.

    Get a lower interest rate and an extended duration to repay.

    icon

    Pre-approved just
    for you

    Top the eligibility list with a good repayment track record.

    icon

    Smaller EMIs,
    longer tenures

    For your immediate financial needs

    It's simple, speedy and supportive

    Our team will guide you through the process.
    1. P1

      Take the first step.

      Our loan application process is simple.

    2. P2

      Have a chat with us.

      Our team will come and meet you to understand your needs.

    3. P3

      Relax, it's all digital!

      It's simple and secure for your time and energy.

    4. P4

      You get a loan!

      We guarantee a sanction in just 48 Hours.

    Why choose HomeFirst?

    Because we value your time.

    1. We guarantee approval in just 48 hours!

    2. We believe in you, not just your documents.

    3. Designed just for you.

    4. One app for everything!

    Designed for your benefits

    1. icon

      Count on our trusted advisors

      We understand if you are buying/building a home for the first time and you have a lot of questions. Trust us, you have come to the right place.

    2. icon

      Double your loan eligibility

      We understand that modern families today have varied sources of income and we keep that in mind for your needs.

    3. icon

      Skip the tension

      Your documents are safe in a smart and weatherproof locker. They will be made available to you upon placing a simple request.

    4. icon

      No hidden charges

      Being transparent is our second nature. We will mention all our charges and explain every detail about the loan to you.

    5. icon

      Guarantors are over-rated

      If you have a solid income and are confident about paying your EMIs regularly, then we don't care for a guarantor in the loan.

    6. icon

      Zero prepayment charges

      Yes, we encourage regular pre-payments. Clear your loan faster and save lakhs on your interest. Pre-pay at your convenience through the app, it's your superpower!

    Know your EMI

    Here's a calculator for your understanding.

    emi paramaters

    1. %

    Monthly installment (EMI)

    ₹6,388


    You can save on your interest!

    Try our Auto Prepay feature.

    Know More

    Here's your document checklist

    Keep the originals handy.

    1. Personal documents

      1. icon

        Aadhaar card

      2. icon

        PAN card

      3. icon

        Driver license

      4. icon

        Voter ID

      5. icon

        Passport

    2. Professional documents

      1. icon

        Bank statement

      2. icon

        ITR

      3. icon

        Salary Slip

    3. Residential documents

      1. icon

        Sale deed

      2. icon

        Property tax

    1. Personal documents

      1. icon

        Aadhaar card

      2. icon

        PAN card

      3. icon

        Driver license

      4. icon

        Voter ID

      5. icon

        Passport

    2. Professional documents

      1. icon

        Bank statement

      2. icon

        ITR

    3. Residential documents

      1. icon

        Sale deed

      2. icon

        Property tax

    Have more questions?
    Find the answers here.

    FAQs about all things loan.

    Home loan top ups are available for both existing and new customers. For existing customers, we expect to see a regular repayment history, going back at least a year. For new customers, we would require proof of good credit history. The total loan amount cannot exceed 90% LTV.

    A home loan top up is not part of your existing loan, and therefore is subject to its own fee structure and conditions. Usually we charge 1% of the new loan amount as a fee.

    Absolutely. HomeFirst has blended two of our products, Balance Transfer of Home Loans and Home Loan Top up for this very case. Transfer your existing loan to HomeFirst, and if you need extra funds, we will increase the loan amount accordingly.

    In terms of processing, top up loans are identical to the existing loan, as it is a subset of the original loan taken. If the existing loan has a co-applicant, the top up loan will also have the same co-applicant. Similarly, in case the original loan doesn't have a co-applicant, one cannot be added for the top up loan.

    An HomeFirst home loan top up is a small loan, on top of your existing home loan. It is designed to give you a little more flexibility to make your home even better than previously possible. It can also be used to cover any unforeseen emergency expenses that might come up.
    See All

    Reading room

    Things about homes you wish you had known.

    • ...

      13 Jun, 2025 11:37 AM

      Self-Undertaking and Document Checklist – Pradhan Mantri Awas Yojana – PMAY 2.0

        Basic necessary documents to be uploaded for Pradhan Mantri Awas Yojana – PMAY 2.0 subsidy application – Self-Undertaking under Interest Subsidy scheme (ISS): The Annexure-2C is the declaration that has to be filled by the beneficiary as a fulfilment of eligibility criteria of income and not owning a pucca house anywhere in India on […]

    • ...

      13 Jun, 2025 11:36 AM

      Female Ownership & Exception for inclusion under Pradhan Mantri Awas Yojana – PMAY 2.0! EXPLAINED

        The rule says – The houses constructed/acquired/purchased should be owned or co-owned by a female head of the household. What if, there is no female ownership? Three Scenarios under Pradhan Mantri Awas Yojana – PMAY 2.0 – There is no adult female member in the family! The scheme guidelines allow male-only ownership in this […]

    • ...

      13 Jun, 2025 11:35 AM

      Your Income Group = Eligibility chances, Let’s quickly understand – Pradhan Mantri Awas Yojana – PMAY 2.0

        EWS (Economically weaker section) –  Upto ₹3,00,000 Higher chance of qualification As the Loan amount and property value would usually fit within PMAY 2.0 eligibility criteria. Lower risk of early loan closure – more likely to avail the full 5 instalments of the scheme (₹36,000/year) LIG (Low Income group) – ₹3,00,000 – ₹6,00,000 High […]

    See All

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    Home First Finance

    HomeFirst Finance
    Company India Limited

    Registered Office Address :- 511, Acme Plaza, J.B. Nagar, Andheri East,
    Mumbai - 400059

    Phone No: +918880549911

    Email: loanfirst@homefirstindia.com

    CIN: L65990MH2010PLC240703

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