ℹ About Vastu Finance
⭐ Key Features & Benefits
✓Competitive Interest Rates for All Loan Products
✓Quick Approval & Disbursement in 7 Days
✓Flexible Repayment Tenure up to 30 Years
✓Zero Prepayment Charges on Floating Rates
✓100% Digital Paperless Process
✓Special Discount for Women Applicants
✓Loan Against Property with High LTV
✓Balance Transfer with Top-Up Loan Facility
✓Personal Loan for Urgent Needs
✓Business Loan for MSME Growth
👤 Vastu Finance Eligibility Criteria
Age21 – 70 years
EmploymentSalaried / Self-Employed / Business / Professional
Min Income (Salaried)₹25,000/month
Min Income (Self-Employed)ITR ₹3L per year
Work Exp.2+ years (Salaried) / 3+ years (Business)
CIBIL Score650+ (750+ for best rates)
Property TypeResidential / Commercial
Max LTVUp to 75% for LAP, 85% for Home Loan
📄 Documents Required
📄 Identity Proof
Aadhaar Card, PAN Card, Voter ID, Passport
Aadhaar Card, PAN Card, Voter ID, Passport
🏠 Address Proof
Aadhaar Card, Utility Bill (last 3 months)
Aadhaar Card, Utility Bill (last 3 months)
💰 Income (Salaried)
Salary Slips (3 months), Form 16
Salary Slips (3 months), Form 16
💰 Income (Self-Employed)
ITR (2 years), Audited Balance Sheet
ITR (2 years), Audited Balance Sheet
🏦 Property Docs
Title Deed, Sale Agreement, Property Tax Receipts
Title Deed, Sale Agreement, Property Tax Receipts
📸 Others
2 Passport Size Photos, Application Form
2 Passport Size Photos, Application Form
₹ Charges and Fees
Processing Fee
₹61,110 + GST
CERSAI Charges
₹100 + GST
Legal & Technical
₹3,000 – ₹8,000
Prepayment Charges
Zero on floating rate
Late Payment Penalty
2% p.m. on overdue
Statement Fee
₹500 - ₹1,000 per year
🛣 Loan Application Process
1
👤
Step 1: Online Registration
Visit Vastu Finance website or BankerMart to apply online
⏱ 5-10 min2
📁
Step 2: Document Upload
Upload KYC, income proof, and property documents
⏱ 15-20 min3
✅
Step 3: Verification & CIBIL
Bank verifies documents and checks CIBIL score
⏱ 2-3 days4
🏡
Step 4: Property Valuation
Vastu Finance's valuer inspects the property
⏱ 2-3 days5
📝
Step 5: Loan Sanction
Loan gets approved and sanction letter issued
⏱ 3-5 days6
💸
Step 6: Loan Disbursement
Amount credited to your account
⏱ 2-7 days⚖ Pros & Cons
👍 Pros / Advantages
- ✅Competitive interest rates
- ✅Quick approval process
- ✅Multiple loan products available
- ✅Special schemes for women borrowers
- ✅Zero prepayment charges on floating rate
- ✅Pune headquartered - local understanding
- ✅Balance transfer facility available
👎 Cons / Disadvantages
- ❌Slightly higher rates than PSU banks
- ❌Strict documentation requirements
- ❌Higher processing fee for low CIBIL
- ❌Limited branch network
📊 Vastu Finance Interest Rates 2026
| Product | Interest Rate p.a. | Processing Fee | Max Tenure |
|---|---|---|---|
| Home Loan | 8.20% - 9.45% | ₹61,110 + GST | 30 years |
| Loan Against Property | 9.85% - 11.35% | ₹61,110 + GST | 15 years |
| Personal Loan | 12.5% - 15.00% | Up to 2% | 5 years |
| Business Loan | 13% - 16.00% | Up to 2% | 7 years |
* Additional 0.05% concession for women applicants. Rates are subject to change as per RBI guidelines.
❓ Frequently Asked Questions
What is Vastu Finance?
Vastu Finance is a Pune-based NBFC registered with RBI, offering home loans, loan against property, personal loans, and business loans.
Where is Vastu Finance headquartered?
Vastu Finance is headquartered in Pune, Maharashtra, serving customers across Pune and Maharashtra region.
What is the current home loan interest rate from Vastu Finance?
Vastu Finance home loan interest rates start from 8.20% per annum for eligible borrowers.
Does Vastu Finance offer loan against property?
Yes, Vastu Finance offers loan against property at competitive interest rates starting from 9.85%.
What is the maximum loan amount I can get?
Vastu Finance offers home loans up to ₹2 crore and loan against property up to ₹3 crore based on property value and repayment capacity.
Can I prepay my loan without penalty?
Yes, for floating rate loans, RBI has prohibited prepayment penalties. You can prepay any amount at any time.
What is the minimum CIBIL score required?
Vastu Finance prefers a CIBIL score of 750 or above. Scores between 650-750 are acceptable with higher rates.
Does Vastu Finance offer personal loans?
Yes, Vastu Finance offers personal loans for urgent financial needs at competitive interest rates starting from 12.5%.
What documents are needed for home loan?
KYC documents, income proof (salary slips or ITR), bank statements, and property documents including title deed and sale agreement.
How long does loan approval take?
Vastu Finance home loan approval typically takes 7 to 15 days from application to disbursement.