JoyHome LoanNRI, OCI, PIO, Merchant Navy

Best Home Loan for NRI in India

return home to peace

Free Consultation for Faster NRI Home Loan

  • High priority support for your loan in Delhi, NCR
  • Low interest rate from top banks
  • Loan for residential, commercial and industrial property
  • Apply from aboard with appointing a GPA in India
  • No foreclosure, part-payment charge

Institutions We Deal With…

We connect you with the right lender for your needs.

Don’t Risk Your NRI Home Loan With Our competitors

Unexperienced competitors can turn your dream in to nightmare. We understand good properties don’t wait. So we provide high priority support for your peaceful adobe back home.

Check few case studies for our NRI, OCI, PIO and Merchant Navy customers

Specialised NRI profiles need expertise that our competitors do not have. Many big loan brokers generate leads online and sell your data to incapable loan agents. Because of this, NRI home loan with our competitors can take double the time. Joy Loan offers you best NRI home loan in India that saves your time and money.

FAQ – NRI, OCI, and Merchant Navy Home Loan in India

Yes, If you are a person of Indian origin, or if your parents, or your grandparents ever held Indian passport.

After 2015, PIO (Person of Indian origin) are given OCI (Overseas Citizen of India) status.

An OCI needs an OCI card to apply for a home loan in India. You can get an OCI card from Indian embassy in the country of your nationality.

Yes. For a merchant navy home loan, the bank needs a copy of CDR for the last 3 years.

You can get a loan to buy or build any residential, commercial, and industrial property.

Banks do not offer a loan for farm house or agricultural land to nonresident Indians.

Eligibility depends on your income and liabilities. Contact us to know your home loan eligibility.

NRI, OCI and merchant navy person can get maximum 25 crores home loan.

Most banks offer the same home loan interest rate to NRI and resident Indians.

Few banks offer a marginally higher interest rate.

15 years or age of retirement.

Documents require for NRI home loan in India depend on profile and employment status.

Please contact us for your personalized checklist

No, you can appoint a general power of attorney in India.

He / she can sign all the loan and property registration documents on your behalf.

Take the GPA format to an Indian embassy (or Indian consulate, or trade office) of your present country. Also, carry your passport and identity documents. Indian official will put their stamp when you sign GPA in their presence.

On receiving this GPA in India, your attorney needs to sign it. A notary in India can verify his / her signature.


  1. Indian embassy and public notary charge for registering such documents
  2. Every bank has their separate GPA format. Contact us, so we can suggest a right bank for you.

After submission of application, approval takes 10 to 14 working days

Repayment happens from NRE or NRO account.

You can open a new account if you don't already have one.

Our team has high experience with NRI, OCI, and merchant navy home loan in India. Along with this, our team is regularly handle most challenging home loan requirement.

Our competitive edge guarantees you a loan offer better than anywhere else.

Loan EMI Calculator


This video does not exist.

Period Payment Interest Balance

Calculator Disclaimer

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. This calculation does not constitute a quote, loan approval, agreement or advice by Joy Loan. It does not take into account your personal or financial circumstances.

Login-to-Disbursment, Just Fantastic Service

easy loan for loveable homes

Get Free Advice for Your Loan. Apply Now

error: Content is protected !!