Loans in Gurugram (Gurgaon)
Gurugram’s (Gurgaon) trusted loan distribution partner — personal loans, home loans, business loans, LAP, balance transfer & loan against securities. Rates from 7.10%, 100+ banking partners, 72-hour disbursement.
Whether you need funds for personal needs, property, or business growth — we connect you with 100+ leading banks and NBFCs offering the best loan solutions in Gurugram (Gurgaon).
Personal Loan
Unsecured personal loans up to ₹40 Lakhs in Gurugram for medical emergencies, travel, weddings & personal needs. Quick disbursement within 24–48 hours. Available across DLF Phases, Sector 14, 31, Golf Course Road & Sohna Road.
Home Loan
Buy your dream home in Gurugram with attractive home loan offers. Up to 90% funding, 30-year tenure, balance transfer facility. Serving DLF, Sushant Lok, Golf Course Extension, Dwarka Expressway & all sectors.
Business Loan
Grow your business with flexible loans tailored for entrepreneurs & SMEs in Gurugram. Up to ₹5 Crore. Quick approvals, minimal documentation. Available in Udyog Vihar, IMT Manesar, Cyber City & all commercial sectors.
Loan Against Property
Unlock the value of your residential or commercial property in Gurugram. Up to 70% of property value, tenure up to 15–20 years. Available across residential sectors, commercial hubs & industrial zones.
Balance Transfer
Reduce your EMI burden by transferring your existing loan to a lower interest rate. Top-up loan facility available. Applicable for home loans, LAP & business loans across all sectors of Gurugram.
Loan Against Securities
Get instant liquidity by pledging your shares, mutual funds or bonds — no need to sell investments. Flexible usage of funds for investors across all areas of Gurugram.
Fastest Approvals in Gurugram
Our in-city Gurugram team processes applications in-house, resulting in approvals within 48–72 hours — significantly faster than bank walk-ins.
Best Interest Rates Guaranteed
We compare rates across 100+ banks and NBFCs to get you the lowest available rate in Gurugram. Home loans from 7.10%, personal loans from 10.50% p.a.
Minimal Documentation
Salaried applicants need just 5 documents. Self-employed need 6–8. Our Gurugram team helps you compile and verify everything digitally — no branch visits needed.
Dedicated Gurugram Relationship Managers
Each Gurugram client is assigned a dedicated RM who guides you from application to disbursement. One call handles everything.
100% Digital Process
Apply online, submit documents digitally, track your application in real-time, and receive disbursement directly to your bank account — fully paperless from anywhere in Gurugram.
Trusted Banking Partners
We partner with SBI, HDFC Bank, ICICI Bank, Axis Bank, Kotak, PNB Housing, Bajaj Finserv, IIFL, and 20+ other RBI-regulated institutions.
From DLF Phases to New Gurugram (Gurgaon), Sohna Road, Dwarka Expressway and beyond — our loan services cover every major sector and locality, with on-ground support and home visits for document collection.
Area-wise Loan Availability in Gurugram (Gurgaon)
- DLF Phase 1, 2, 3, 4 & 5 — premium residential & commercial
- Sushant Lok 1, 2, 3 — established residential localities
- Golf Course Road & Golf Course Extension Road
- Sectors 1–23: 1, 2, 3, 4, 5, 6, 7, 9, 10, 10A, 11, 12, 12A, 13, 14, 15, 17, 17A, 18, 21, 22, 23
- Sectors 31–57: 31, 32, 33, 34, 37, 37C, 37D, 38, 39, 40, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 52A, 53, 54, 55, 56, 57
- Sectors 58, 59, 65, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78, 79, 80
- Sectors 81, 82, 82A, 83, 84, 85, 86, 87, 88, 88A, 88B, 89, 89A, 89B, 90
- Sectors 91, 92, 92A, 93, 95, 95A, 99, 99A, 100, 102, 102A, 103, 104, 105, 106, 108, 109, 110, 111, 112, 113, 114, 115
- Dwarka Expressway belt, Palam Vihar, South City 1 & 2
- Sohna Road — all sectors and residential societies
- MG Road — commercial & mixed-use corridor
- Subhash Nagar, Sheetla Colony, Sadar Bazar area
- Old Gurugram — all localities & colonies
- Cyber City, Cyber Hub — IT & corporate offices
- Udyog Vihar Phase 1–6 — industrial & SME clusters
- IMT Manesar — manufacturing & MSME zone
- NH-48 (Delhi–Jaipur Highway) belt — all sectors
Who Can Apply for Loans in Gurugram (Gurgaon)?
- Age: 21–60 years at loan maturity
- Minimum income: ₹25,000/month (Gurugram)
- Minimum 1 year in current employment
- CIBIL score 700+ preferred (680 also considered)
- Private, government, PSU or MNC employees
- Age: 25–65 years at loan maturity
- Business vintage: minimum 2 years in Gurugram
- Annual turnover: ₹10 Lakhs+ (varies by loan type)
- CIBIL score 700+ preferred
- Professionals: doctors, CAs, architects eligible
- Minimum income: ₹25,000/month (salaried)
- Property must be in Gurugram jurisdiction
- LTV up to 90% for loans below ₹30 Lakhs
- LTV up to 80% for loans ₹30–75 Lakhs
- LTV up to 75% for loans above ₹75 Lakhs
- Proprietorship, partnership, LLP, Pvt Ltd accepted
- GST registration mandatory for above ₹40 Lakhs
- Positive net worth in last 2 years
- Bank statements showing healthy cash flows
- Collateral-free up to ₹2 Crore (CGTMSE covered)
Documents for Salaried Applicants
- PAN Card (mandatory)
- Aadhaar Card
- Passport / Voter ID / Driving License
- Passport-size photographs (2)
- Aadhaar with current Gurugram (Gurgaon) address
- Electricity / water / gas bill (last 3 months)
- Rent agreement (if renting)
- Bank statement with current address
- Last 3 months salary slips
- Last 6 months bank statement (salary account)
- Form 16 / ITR (last 2 years)
- Offer letter / appointment letter
- Employee ID card (copy)
- HR confirmation / experience letter
- Office address proof
Additional Documents — Self-Employed / Business
- ITR with computation (last 2–3 years)
- CA-certified P&L and Balance Sheet
- Last 12 months bank statements (all accounts)
- GST registration certificate
- Business registration / incorporation certificate
- Partnership deed / MOA & AOA
- Business address proof
From Application to Disbursement in 72 Hours
Apply Online
Fill out our 2-minute form with your basic details and loan requirement. No documents needed at this stage.
Free Consultation
Your dedicated Gurugram (Gurgaon) RM calls within 2 hours to understand your profile and recommend the best loan option.
Submit Documents
Upload documents digitally via our secure portal. Our team picks up hard copies from your Gurugram (Gurgaon) address if needed.
Approval & Disbursement
Loan approved within 48–72 hours. Amount credited directly to your bank account. Track status via WhatsApp updates.
Current Interest Rate Comparison — Gurugram (Gurgaon)
| Loan Type | Interest Rate | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| Home Loan | 7.10% – 8.90% | Up to ₹10 Crore | Up to 30 years | 1% – 4% |
| Personal Loan | 9.99% – 18% | Up to ₹1 Crore | Up to 7 years | 1% – 2% |
| Business Loan | 8.00% – 16% | Up to ₹20 Crore | Up to 7 years | 1% – 4% |
| Loan Against Property | 7.75% – 12% | Up to ₹75 Crore | Up to 20 years | 1% – 4% |
| Balance Transfer | 7.10% onwards | Any existing loan | Remaining tenure | 1% – 4% |
| Loan Against Securities | 7.00% – 12% | Up to 80% of portfolio | Revolving / 1–3 yrs | Nil – 0.50% |
*Rates are indicative and depend on applicant profile, lender, loan tenure, and credit score. Final rates are confirmed at the time of sanction letter issuance.
Special Offers for Gurugram (Gurgaon) Applicants
- Zero Processing Fee on Home Loans above ₹50 Lakhs (limited period — SBI, HDFC, ICICI Bank)
- Women Borrowers: Special concession of 0.05% on home loan interest rates
- Govt. Employees (Central & State) in Gurugram (Gurgaon): Fast-track approval within 48–72 hours at preferential rates
- PMAY Credit Linked Subsidy: Eligible first-time homebuyers in Gurugram (Gurgaon) can save up to ₹2.67 Lakhs in subsidy
- Cashback Offer: Get ₹5,000 Amazon voucher on home loans disbursed above ₹75 Lakhs (valid this quarter)
- Senior Citizens (age 60+): Special personal loan scheme with no prepayment charges and reduced documentation
“Got my home loan sanctioned in DLF Phase 3, Gurugram within 36 hours. The team was incredibly responsive — all paperwork was done digitally and I didn’t have to visit any bank. Saved almost ₹3,100/month by switching from my old lender. Highly recommended!”
“I applied for a personal loan and received ₹12 Lakhs in my account within 48 hours. The interest rate was 10.75%, significantly better than my bank’s offer. The RM guided me through every step — from Sushant Lok to disbursement!”
“My IT firm in Cyber City, Gurugram needed ₹80 Lakhs for expansion. The team arranged a business loan against my property in just 4 working days. No hidden charges, completely transparent. My RM even assisted with GST documentation — outstanding service!”
“Transferred my home loan from one bank to another and saved ₹4,800 per month in EMI. Living on Golf Course Road, I was worried about the process — but the team handled everything remotely. NOC, part prepayment, new lender coordination — all done without a single branch visit.”
“Applied for a loan against my commercial property in Udyog Vihar, Gurugram for working capital. Got ₹85 Lakhs sanctioned within 5 working days — much faster than expected. The processing fee was lower than HDFC’s quote. Very professional and reliable team.”
“As an NRI based in the UK, buying a flat in Sector 85, New Gurugram seemed complex. The team guided me through the NRI home loan process end-to-end, handled all PoA documentation, and got the loan disbursed without me travelling to India. Truly exceptional!”
Gurugram (Gurgaon) Loan Enquiry
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About Loans in Gurugram (Gurgaon): Gurugram (formerly Gurgaon) (formerly Gurgaon) is the financial and technology hub of Haryana and one of India’s fastest-growing cities. It comprises DLF Phases, Sushant Lok, Golf Course Road, Sohna Road, MG Road, Cyber City, Udyog Vihar, IMT Manesar, Dwarka Expressway, and New Gurugram (Sectors 81–95). Home Loan Property is a leading loan distribution partner operating across all sectors of Gurugram, connecting borrowers with 30+ RBI-regulated banks and NBFCs. Whether you need a personal loan in DLF Phase 3, a home loan on Golf Course Road, a business loan in Udyog Vihar, or a loan against property in New Gurugram — our team offers free consultation, best rate comparison, and end-to-end loan processing. We serve all pin codes across Gurugram including 122001, 122002, 122003, 122004, 122006, 122007, 122008, 122009, 122010, 122011, 122015, 122017, 122018, 122051 and 122052.
⚠️ Important Disclaimer:
Home Loan Property is a registered Direct Selling Agent (DSA) and acts solely as a loan facilitator. We are not a bank, NBFC, or financial institution, and we do not lend money directly. All loan products are offered by RBI-regulated banks and NBFCs.
Interest rates, loan amounts, tenures, and processing fees mentioned on this page are indicative only and subject to change at the sole discretion of the respective lender. Final rates and terms will be confirmed at the time of loan sanction based on the applicant’s credit profile, income, property valuation, and lender’s internal policy. Past disbursements do not guarantee future approvals.
Loan approval is not guaranteed and is subject to lender’s eligibility criteria and credit assessment. Please read all loan documents carefully before signing. For any grievances, contact the respective bank or NBFC directly.