Majority of our country’s population resides in rural areas, where they hope for basic amenities and good living conditions. Providing easy financial resources to help them purchase or construct a house, is our first step towards the betterment of life in rural India. Fullerton India GramShakti offers easy housing loans to individuals in rural areas, assisting them in securing a home close to their heart. The loan amount can be used for purchase, repairs, new constructions or revamping of residential units in rural areas.

The housing loan offered by Fullerton India ranges from ` 50,000 to ` 10 Lakhs with a tenure that can be extended to 10 years. At Fullerton, our main motive is to make life easy for rural population by providing easy and simplified loan documentation process, door-step service, and a well guided and flexible assessment procedure.

Rural Housing Services - Easy Home Loan for rural area

Purchase of ready property

Self - construction of home

Home extensions for productive commercial purposes

Home renovation or revamp.

Loans features 

` 50,000 to
` 10 Lakhs

Tenors up to
10 years

Loan to Value of maximum 70% of fair market value for purchase of ready property and up to 80% of construction estimate on self-construction (including cost of land, stamp duty, registration and any one-time acquisition costs)

(including cost of land, stamp duty, registration and any one-time acquisition costs)

Loans to self-employed segment, on the basis of surrogate income proof and field investigations.

Who can apply

Salaried & Self-employed individuals,
agriculture and allied agri-workers

Minimum annual gross household income :
` 1,20,000 ( ` 10,000 per month )

*Loans are at the sole discretion of Fullerton India and are subject to guidelines of the Reserve Bank of India. Fullerton India may engage the services of marketing agents for the purpose of sourcing loan assets in certain locations.