Home Insurance—
Fast, Flexible & Fair

Get funds in your account within 24 hours. No collateral, minimal paperwork, and interest rates starting at just 11.5% p.a. Purpose-built for every financial need.

From 11.5% p.a.

Up to ₹15 Lakhs

Disbursed in 24 hrs

No Collateral

Calculate EMI

Plan Your Finances

EMI Calculator

Use our interactive calculator to estimate your monthly EMI instantly.

Calculate Your EMI

Drag the sliders to find the perfect plan for you

Preferred Amount ₹5,00,000

₹50,000₹15,00,000

Interest Rate (per annum) 11.5%

10%24%

Tenure (months) 24 mo

6 months60 months

— EMI / Month

— Interest Payable

— Total Repayment

11.5% Starting Rate
p.a. onwards

Who Can Apply

Eligibility
Criteria

✓

Indian citizen between 21 and 60 years of age at time of maturity
✓

Minimum monthly income of ₹20,000 for salaried individuals
✓

Self-employed with minimum 2 years of business continuity and ITR proof
✓

Credit score of 650 or above (CIBIL / Equifax) preferred
✓

Minimum 1 year of work experience with current employer for salaried
✓

No active default or write-off in credit history in the last 24 months
↓

Download our eligibility checklist to prepare before applying
Download Eligibility PDF

What You'll Need

Required
Documents

📄

Identity Proof — Aadhaar Card, PAN Card, Passport or Voter ID
🏠

Address Proof — Utility bill, Rent agreement or Aadhaar (if address matches)
💰

Income Proof (Salaried) — Last 3 months salary slips & 6 months bank statement
📊

Income Proof (Self-Employed) — Last 2 years ITR with computation & P&L statement
🖼️

Photographs — 2 recent passport-size photographs
🏢

Employment Proof — Offer letter or employment certificate from current employer
↓

Download complete document checklist — print and prepare before visiting
Download Document Checklist PDF

Simple Process

How to Apply

Get your Home Insurance in 4 simple steps through our branches or by contacting our experts.

Contact Our Team

Call us, send a WhatsApp message, email us, or visit your nearest branch to discuss your home insurance requirements.

Share Your Details

Provide basic details about your property and coverage requirements so our team can recommend the most suitable insurance plan.

Submit Required Documents

Share the necessary documents by email or at your nearest branch. Our team will verify your information and process your application.

Policy Issuance

Once your application is approved and the premium is paid, your Home Insurance policy is issued and shared with you.

Got Questions?

Frequently Asked
Questions

We offer Home Insurance from ₹50,000 up to ₹15,00,000 depending on your income, credit score, and repayment capacity. Higher-income applicants may qualify for amounts up to ₹15 Lakhs.

We prefer a CIBIL score of 650 or above for standard processing. However, applicants with lower scores may still be considered based on overall financial profile and existing banking relationship with us.

Once your application is approved and documents are verified, the amount is credited to your bank account within 24 working hours. In some cases, same-day disbursal is also possible.

No. Home Insurance from Meghna Saree Emporium Pvt Ltd are completely unsecured — no collateral or guarantor is required. Approval is based entirely on your income, creditworthiness, and repayment capacity.

Yes, you can prepay or foreclose after a minimum lock-in period. Nominal foreclosure charges may apply as per your agreement. Please check the specific terms at the time of application.

Processing fee ranges from 1% to 2% of the amount plus applicable taxes. During promotional periods, processing fees may be waived. No hidden charges — all fees are disclosed upfront before signing.

Yes. Self-employed individuals, business owners, and professionals are eligible. You will need to provide ITR for the last 2 years, bank statements, and business continuity proof.

Missing an EMI may attract a late payment penalty and can negatively impact your CIBIL score. We recommend setting up auto-debit from your account. Contact our support team before missing a payment — we may be able to assist.

Ready to Apply?

Get your Home Insurance approved quickly. Our team is here to guide you through every step of the process.

Call: +91 9011229871 WhatsApp Us — Quick Reply

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Home Insurance—Fast, Flexible & Fair