What is the minimum CIBIL score required for a loan sanction with Sha Money Mithra Finserv?

While a CIBIL score of 700+ qualifies you for premier tier interest rates (starting 10.49% p.a.), Sha Money Mithra Finserv partners with over 35+ RBI-licensed banks and NBFCs, allowing us to approve customized financing even with moderate scores (650+) through structured guarantor or banking history assessments.

How fast can I receive in-principle approval and fund disbursement?

Through our end-to-end digital API integration with partner banks, in-principle sanction is generated in as little as 2 minutes. Once documents are verified, loan disbursement into your bank account typically occurs within 24 to 48 business hours.

Which physical regional branches does Sha Money Mithra Finserv operate in?

Sha Money Mithra Finserv operates Corporate Headquarters in Shenoy Nagar Chennai, alongside regional advisory hubs in Anna Nagar (Chennai), Coimbatore (Commercial Finance Center), Madurai (Retail Lending Hub), and Bengaluru (Tech Corridor Finance Center).

Does checking my loan eligibility affect my credit bureau score?

No. Checking your pre-approved eligibility and loan comparisons on the Sha Money Mithra platform is classified as a soft credit inquiry and has zero negative impact on your CIBIL credit score.

Home Loans in India — Rates Starting 8.40% p.a.

Why Finance Your Home with Sha Money Mithra Finserv?

Lowest Interest Rates

Competitive rates from 8.40% p.a. for prime applicants.

Tenure up to 30 Years

Keep your monthly installments comfortable and manageable.

Seamless Balance Transfer

Transfer high-interest loans with extra top-up capital.

Maximum Tax Deductions

Save up to ₹3.5 Lakhs annually under Section 80C & 24(b).

Eligibility & Documentation

Applicant Eligibility

Resident Indian / NRI aged 21 - 65 years
Salaried or Self-Employed individuals
Minimum monthly family income: ₹30,000
Co-applicants can be added to boost loan amount

Property & Financial Documents

KYC (PAN, Aadhaar, Passport)
6 months' salary credit bank statements
Sale agreement / Allotment letter / Title deed
Approved building plan and NOC from developer/society

Home Loan Calculator Shortcut

Want to see your detailed amortization schedule and monthly interest outflow?

Open Advanced EMI Calculator

Apply for Home Loan

Dedicated mortgage specialists to assist with property valuation and legal checks.

Low-Interest Home Loans