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Gruh Home Loans


Bandhan Bank acquired GRUH Finance from HDFC to strengthen its resolve towards financial inclusion. On October 17, 2019, GRUH became a part of Bandhan Bank.


All the loans provided by the erstwhile GRUH Finance will continue with same terms and conditions and are now called GRUH Home Loans. The solutions provided include loans for acquiring and constructing new residential property, renovating existing residential property, and loan against property.


Backed by the expertise of over 30 years, Bandhan Bank GRUH Home Loans aim to bring the best product and service experience to all their customers.

Please find details of our home loan products below –


  • GRUH Suraksha is a Home Loan product offered to Individuals who are having formal income proof such as Salary Slip with PF deduction or IT returns filed regularly for two years or more and where the loan is to be appraised based on the above formal income sources only.


    • Other highlights:
      • GRUH Suraksha is offered for Purchase / Construction / Extension of dwelling unit for a maximum tenure up to 30 years.
      • GRUH Suraksha is offered for Purchase / Construction / Extension of dwelling unit for a maximum tenure up to 30 years.

    Loan under GRUH Suraksha is offered upto 75% / 80% / 90% of the cost of property depending on the norms laid down by RBI and subject to eligibility of the customer.

    Property cost is the cost of land as well as construction thereon. Stamp duty charges, registration charges or other one time payable charges are not included while computing Property cost.

    For more details, please visit: https://www.gruh.com/gruh-suraksha/

    • GRUH Suvidha is a Home Loan product offered to Individuals who are not having formal income proof such as Salary Slip with PF deduction or IT returns. GRUH assesses the income of the applicants based on their cash flow arrived at on the basis of detailed Field Investigation & assessment.


      • Other highlights:
        • GRUH Suvidhais offered for Purchase / Construction / Extension of dwelling unit for a maximum tenure up to 30 years.
        • Loan under GRUH Suvidhais offered upto 75% / 80% / 90% of the cost of property depending on the norms laid down by RBI and subject to eligibility of the customer.

      Property cost is the cost of land as well as construction thereon. Stamp duty charges, registration charges or other one time payable charges are not included while computing Property cost.

      For more details, please visit: https://gruh.cactusfuturetech.com/suvidha/

    • GRUH Sajavat is offered to Individuals to meet expenses of repair / renovation of their existing dwelling unit.

      GRUH Sajavat can be offered for a maximum tenure upto15 years. Repairs / Renovation such as Painting, Plumbing, Re-laying the Roof etc can be financed under GRUH Sajavat.

      Loan under GRUH Sajavat is offered upto 75% / 80%  of the cost of repair work.


      For more details, please visit: https://gruh.cactusfuturetech.com/sajavat//

    • GRUH offers Loan Against existing Self Occupied Residential Property to individuals wherein customers can avail up to 60% of the cost of the residential property or 50% of the cost of commercial property for purposes such as purchase of land, education of children etc.