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Key Features of Piramal Capital and Housing Finance Limited (PCHFL)

Home Loans Tailored for Every Need:
- PCHFL offers a variety of home loan solutions for salaried and self-employed individuals, including Home Purchase Loans, Construction Loans, and Home Improvement & Renovation Loans.
Comprehensive Loan Options:
- Options like Plot + Construction Loans and Balance Transfer + Top-Up Loans cater to different stages of home ownership and financing needs.
Attractive Interest Rates and Long Tenures:
- Borrowers benefit from competitive interest rates, repayment tenures of up to 30 years, and minimal documentation requirements.
Quick Approvals and Digital Processing:
- Fast loan approvals, a digitally enabled process, and personalized loan assistance ensure a seamless customer experience.

- Investment-Driven Financial Growth:
  - Piramal Capital focuses on wealth creation through smart investment opportunities.
  - Offers structured credit and bespoke investment solutions tailored for corporates and HNIs.
  - Backed by strong risk management and deep industry insights, making it ideal for those seeking stable returns and long-term capital appreciation.
- Insurance-Backed Financial Security:
  - Optional credit life insurance is available with home loans to provide added protection.
  - Strategic insurance partnerships offer access to term plans, health insurance, and property protection.
  - These solutions ensure that both the borrower and their family are financially secure in case of unforeseen events.
- Share Banking & Digital Financial Services:
  - Embracing digital-first models, PCHFL provides integrated services through a seamless customer portal.
  - Access loan accounts, EMI schedules, and payment history digitally.
  - AI-based credit assessments, online applications, and approvals ensure fast, transparent processing.
  - Future-ready with plans to unify loan, investment, and insurance services under a share banking platform.

Benefits of PCHFL for Salaried Individuals

Smart and Affordable Home Loans: PCHFL offers home loans designed to make homeownership easier for everyone — from salaried individuals to self-employed professionals.

Key Benefits:
- Flexible loan amounts based on income profile and property value
- Longer repayment tenure (up to 30 years) to reduce EMI burden
- Quick approvals with minimal paperwork
- Digital application process for convenience
- Balance transfer facility to shift your loan from another lender and save on interest
- Top-up loan option for extra funding

Insurance-Backed Financial Protection: Piramal understands that a good financial plan includes protection. That’s why its products are often paired with insurance for peace of mind.
Investment Opportunities for Wealth Growth: Piramal isn’t just about lending — it’s also about growing your money. With customized investment solutions, it caters to both individual and institutional investors.
Digital Convenience & Share Banking Experience: PCHFL is moving towards a unified digital experience that resembles share banking — where customers can view and manage all their financial products from one platform.
Customer-Centric Approach: At Piramal, every product and service is built with the customer in mind.

How to Apply for Piramal Capital & Housing Finance Limited (PCHFL)

Step 1: Check Eligibility Criteria
- For Salaried Individuals:
  - Age: 21 - 65 years
  - Minimum Income: ₹25,000/month (may vary by city)
  - Work Experience: At least 2 years (1 year in current job)
- For Self-Employed/Professionals:
  - Age: 25 - 70 years
  - Business Vintage: Minimum 3 years
  - ITR Filing: Last 2–3 years
- Credit Score Requirement: Minimum CIBIL Score: 650+ (750+ preferred for better rates)
Step 2: Calculate Loan Amount & EMI
- Use PCHFL’s Home Loan EMI Calculator to estimate your eligibility.
- Calculate:
  - Loan Amount (up to 80% of property value)
  - EMI based on interest rate & loan tenure
  - Total interest payable over the term
Step 3: Choose Your Application Method
- Option 1: Online Application
  - Visit PCHFL’s Home Loan page
  - Click on “Apply Now”
  - Fill in your personal, income, and property details
  - Upload required documents (PDF or JPEG format)
  - Submit to receive instant provisional approval
- Option 2: Offline Application
  - Visit the nearest PCHFL branch (use “Locate Branch” feature)
  - Meet a loan advisor and fill out the physical application form
  - Submit the required documents in person
  - Receive verification and approval updates via SMS or email
- Option 3: Apply via Customer Care
  - Call the PCHFL Home Loan Helpline: 1800 209 6666
  - Request a callback from a loan officer for application support

Eligibility Criteria for Piramal Capital & Housing Finance Limited (PCHFL)

1. Sales Trainee (ST) – Sales / Trainee Relationship Manager:
- Eligibility: Open to recent graduates from any discipline, such as B.Sc, B.Com, or BA, who have completed their education in 2023 or 2024.
- Skills Required:
  - Good written and verbal communication skills
  - Ability to work under tight deadlines
  - Willingness to relocate anywhere in Telangana
  - Basic computer knowledge
2. Manager – Credit Operations:
- Qualifications: M.Com, C.S., CA, or MBA with 2 to 5 years of work experience in credit operations
- Experience:
  - Prior experience in CAD, Credit Monitoring, or Credit Mid Office Group functions within private banks or NBFCs
  - Sound knowledge of wholesale financial services and operations
  - Proficiency in MS Excel and familiarity with technology systems
3. Area Credit Manager:
- Qualifications: Preferably CA, ICWA, MBA in Finance, or Postgraduate in Commerce
- Experience:
  - 4–5 years of experience in credit underwriting for retail asset banking products
  - Experience handling Home Loans (HL), Loan Against Property (LAP), or SME segments
  - Strong skills in credit and financial analysis with understanding of credit policies
4. Business Sales Manager (BSM) – Home Loans:
- Eligibility: Minimum 2 years of experience in team handling or DSA (Direct Selling Agent) management within the mortgage sector
- Compensation: Annual CTC ranging from ₹5.00 to ₹7.50 LPA
- Preference: Candidates based in Panipat are preferred
General Considerations:
- Educational Background: While specific qualifications vary by role, a background in finance, commerce, or related fields is often advantageous
- Experience: Roles may require varying levels of experience, from fresh graduates to professionals with several years in relevant domains

Documents Required for Piramal Capital & Housing Finance Limited (PCHFL)

Identity & Address Proof (Mandatory for All Applicants):
- PAN Card (Mandatory), Aadhaar Card, Passport (if available)
- Voter ID, Driving License
Income Proof – Salaried Individuals:
- Latest 3 months’ salary slips, Form 16 / Income Tax Returns (last 2 years)
- Last 6 months’ bank statements (showing salary credits)
- Employment Certificate / Appointment Letter (if recent job change)
Income Proof – Self-Employed / Business Owners / Professionals:
- Income Tax Returns (last 3 years) with income computation
- Profit & Loss Statement and Balance Sheet (audited if applicable)
- Last 12 months’ bank statements (Business & Personal)
- Business Registration (GST, Shop Act, MSME Certificate, etc.)
- Partnership Deed / MOA & AOA (for companies)
Property Documents (Home Loan / Loan Against Property):
- Sale Agreement / Builder-Buyer Agreement
- Registered Sale Deed / Property Title Deeds
- Latest Property Tax Receipts
- Occupancy Certificate (OC) / Completion Certificate (CC)
- Valuation Report (arranged by PCHFL)
Additional Documents (As Applicable):
- Duly filled and signed loan application form, Recent passport-size photographs
- Cheque for processing fee, Post-dated cheques (PDCs)

Factors Influencing Loan Approval at Piramal Capital & Housing Finance (PCHFL)

Credit Score & Credit History: A minimum CIBIL score of 650+ is typically required. A score above 750 improves approval chances and may lead to better interest rates.
Income & Repayment Capacity: Salaried individuals need ₹25,000+ monthly income; self-employed applicants should have ₹3+ lakhs annual income. FOIR (Fixed Obligation to Income Ratio) should ideally be under 50%.
Loan-to-Value (LTV) Ratio: For home loans, PCHFL offers up to 75–80% LTV. For Loan Against Property, LTV is between 60–70% based on property type and risk.
Property Evaluation: Includes legal verification, approved plans, and market valuation. The property's location, demand, and condition also impact approval.
Age & Work Experience: Applicants should be 21–65 years old (70 years in some cases). Salaried applicants need 2+ years in a stable job; business owners require 3–5 years of operational history.
Existing Liabilities: Existing EMIs and dues are evaluated. If combined EMIs (current + new loan) exceed 50–60% of income, loan approval chances drop.
Employment/Business Stability: Frequent job changes or unstable business revenue can negatively impact the approval decision.
Loan Tenure & Interest Type: Home loan tenure can go up to 25 years. Borrowers can choose from fixed, floating, or hybrid interest rates depending on financial goals.
Documentation Accuracy: Incomplete or mismatched documents can delay or reject the application. Proper KYC, income proofs, and property papers are essential.
Relationship with PCHFL: Existing customers with a good repayment track record may get faster processing, pre-approved offers, or better rates.

FAQs On Piramal Capital and Housing Finance Limited (PCHFL) Loans

What types of loans does PCHFL offer?

PCHFL provides:
- Home Loans (Purchase, Construction, Renovation)
- Loan Against Property (LAP)
- Business Loans
- Construction Finance (for builders/developers)
- Lease Rental Discounting (LRD)

Is PCHFL a bank or an NBFC?

PCHFL is a non-banking financial company (NBFC) registered with the RBI, specializing in housing and corporate finance.

How can I contact PCHFL customer care?

Customer Care No.: 8885545255

What is the minimum CIBIL score required for a PCHFL loan?

Minimum CIBIL score: 650+ (varies by loan type)
Preferred score: 750+ for better interest rates and approval chances

What is the maximum loan tenure?

- Home Loans: Up to 25 years
- Loan Against Property (LAP): Up to 15 years

What is the minimum income required?

- Salaried: ₹25,000+ per month (varies by city and loan amount)
- Self-Employed: ₹3+ lakhs annual income (depends on business type)

Can I apply for a joint loan?

Yes, PCHFL allows joint applications with immediate family members such as spouse, parents, or siblings.

What is the current interest rate for PCHFL home loans?

- Home Loans: 8.50% p.a. onwards (floating rate, subject to applicant profile)
- Loan Against Property: 10% p.a. onwards

What are the processing charges?

- Up to 2% of the loan amount + GST
- Additional legal and technical charges may apply (disclosed during application)

Are there prepayment penalties?

- Floating-rate loans: No prepayment penalty (as per RBI guidelines)
- Fixed-rate loans: 2% penalty if prepaid before lock-in period

What documents are required for a home loan?

- Identity Proof: PAN, Aadhaar, Passport
- Address Proof: Utility bills, Voter ID
- Income Proof: Salary slips, ITR, Bank statements
- Property Documents: Sale deed, NOC, Approved plan

How long does document verification take?

Typically 3–7 working days, depending on property checks and income verification.

How is the loan amount disbursed?

- Home Loans: Direct disbursal to the builder or seller’s account
- LAP/Business Loans: Credited to your personal or business account

Can I get a loan top-up from PCHFL?

Yes, top-up loans are available based on repayment track record and eligibility.

What happens if I miss an EMI payment?

- Late payment penalty: 2-3% per month on the overdue amount
- Frequent defaults may lead to CIBIL score reduction and legal action

List of Piramal Capital Finance Home Loan Services

Piramal Capital Finance Housing Finance
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Quick Home Loan Approval
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Competitive Home Loan Rates
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Documents Required for Piramal Capital Finance Home Loan
Piramal Capital Finance Customer Care
Apply for Piramal Capital Finance Home Loan

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