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Loan for Plot Purchase and/or Construction

Home Loans Now for Everyone

Loan for Plot Purchase and/or Construction

Nothing is more satisfying than building your dream home like the way you had always wanted.

Found the plot of land where you want to construct your home, or you simply want to own a plot? You can purchase non-agricultural land situated within Municipal / Local Development Authority limits, whether you are salaried or self-employed through Aadhar Housing Finance. If you want to build your dream home on the purchased plot, Aadhar can finance that too.

Loan Amount

You can avail of an aadhar loan up to Rs.1,00,00,000/- for plot loans and Rs.1,00,00,000/- for plot + construction loan but not exceeding 70% (in case plot loan only) of the cost of plot or 80% (in case of construction) of the construction cost. The construction has to happen on the plot and within the time frame according to the NHB guidelines. The actual loan amount is determined after assessing the individual’s requirement and his repayment capacity based on various factors like:

  • Age
  • Educational background
  • Stability and Continuity of income
  • Number of dependents in the Family
  • Co-applicant's income
  • Assets
  • Liabilities
  • Saving habits, and others

To calculate your indicative home loan eligibility based on your financial background you can use our

Loan Eligibility Calculator


The maximum loan tenure on your plot loan is up to 20 years and plot + construction loan is up to 30 years. The tenure however does not extend beyond the retirement age or 60 years (65 years in case of Self-Employed individual’s) whichever is earlier.


The EMI that you would be paying to repay the loan depends on factors like Quantum of loan, Interest rates applicable & the tenure you have taken the home loan for.

To calculate the indicative EMI on your home loan you can use our

EMI Calculator

Applicant and Co-Applicant

Aadhar Home Loans can either be applied individually or jointly. The Co-Applicant may or may not be a Co-owner of the property. However all the Co-owners of the property must be a Co-Applicant. Co-Applicants should be immediate family members like Spouse, Parents or Children*.

For more information, you can click on "Apply for Loan" button on the left side and provide your details and an Aadhar representative shall get in touch with you shortly.

You may also walk in to the nearest Aadhar Housing finance branch in your city.
For complete list of Aadhar Housing finance branches, please click here

For list of required documents, please click here.

*Terms & Conditions apply. Credit is to be extended at the sole discretion of Aadhar Housing Finance Ltd.


You can now avail subsidy from the Central Govt. on purchase of your first house under "Pradhan Mantri Awas Yojna". For more details click below


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For customer grievances, enquiry, feedback please email your concerns/issues to or
Call us at : 1800 3004 2020 (Toll Free)