A home loan routed through Clean EMI is prepared by our team and forwarded to a Public Sector Undertaking (PSU) bank branch for purchase of a flat or house, or for takeover of an existing home loan. Clean EMI is a private facilitation service — the loan itself is sanctioned and disbursed only by the PSU bank, at its own discretion.
State Bank of India, Punjab National Bank, Bank of Baroda, Canara Bank, Union Bank of India, Bank of India, Indian Bank, Central Bank of India, Indian Overseas Bank, UCO Bank, Bank of Maharashtra, Punjab & Sind Bank. Interest rates, fees and final approval are decided by the lending bank.
Fill the eligibility form with your PAN, Aadhaar number, loan requirement and city.
We check your CIBIL score. A score of 700 or above is required to proceed further.
Our team checks your papers and flags anything missing.
We identify the PSU bank and scheme suited to your profile.
You visit the nearest branch for verification; the bank sanctions and disburses.
The minimum is ₹30 lakh for a new home loan or a balance transfer/takeover, subject to the lending PSU bank’s own policy and your eligibility.
A CIBIL score of 700 or above is required to proceed with a home loan application through this portal.
Yes. Self-employed professionals and business owners can apply, with income verified through ITR and bank statements instead of salary slips.
All 12 empanelled PSU banks — including State Bank of India, Punjab National Bank, Bank of Baroda, Canara Bank and Union Bank of India — offer home loans through this portal.
No. There is no fee charged to applicants for submitting a home loan application through Clean EMI. The lending bank may charge its own processing fee as per its published schedule.
Fill the eligibility form; we check your CIBIL and documents.
We identify the right PSU bank and scheme for your profile.
You visit once; the bank reviews, sanctions and disburses.
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