Get the Best Loan & Financial Deals, Instantly.

Welcome to RC Finance – your one-stop solution for all things money. With 50+ banks and 150+ NBFCs, we ensure the highest approval chances and lowest interest rates.

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50+

Partner Banks

150+

Partner NBFCs

₹500+ Cr

Disbursed

10K+

Happy Customers

Benefits of a Home Loan through RC Finance

Up to 90% Property Value

Get maximum financing

Tenure up to 30 Years

Flexible repayment

Quick Approval

Fast processing

Zero Foreclosure Charges*

No prepayment penalty

Real Agent Support

Dedicated assistance

100% Online Application

Paperless process

Eligibility Criteria for Home Loans

Are you eligible for a Home Loan from our lending partners? Here are the criteria.

Indian Resident

You should be an Indian citizen

Age 21 – 70 Years

Your age should be between 21 and 70

Min. Income ₹15,000

For salaried applicants

Turnover ₹3 Lakh

For self-employed applicants

CIBIL Score 600+

Minimum credit score required

Charges for Home Loans through RC Finance

Get home loans starting from ₹5 Lakh to ₹15 Crore at the most affordable rates.

Charge Type	Details
Interest Rates	Starting from 7.25% p.a.
Processing Fee	₹1,000 – ₹7,000
Foreclosure / Prepayment Charges	₹0

List of Documents Needed

Proof of Income

Salary slips / ITR

Bank Account Statement

Last 6 months

Proof of Residence

Aadhaar / Utility Bill

Property Documents

Sale deed / Agreement

Latest Form 16

For salaried applicants

Steps to Apply for a Home Loan through RC Finance

Applying for a home loan through us is very easy and involves only 4 simple steps.

Submit Application

Enter personal details & submit

Confirmation Call

Lending partner calls you

Site Visit

In-person discussion & verification

Loan Approved!

Funds disbursed to your account

Types of Home Loans

In India, home loans are taken for many purposes. Here are some common types.

🏠 Home Purchase Loan

Buy a pre-owned, pre-built, or under-construction property.

🔧 Home Improvement Loan

Renovate, extend, or improve your current property.

🏗️ Home Construction Loan

Build your house on a plot of land you already own.

📍 Plot Loan

Purchase a plot to build a house on later.

📍 Plot + Construction Loan

Buy Land, Build Your Dream – One Loan, Two Goals.

🔄 Home Loan Balance Transfer

Transfer your loan to a new lender for better rates.

Plus: Top-up loans, NRI home loans, and government scheme loans available.

Tips to Get Easy Approvals as a First-Time Buyer

Buying your first home? The journey can be daunting, but we are here to make it a cakewalk for you.

Plan credit history in advance – Work on your credit history much before planning to take a home loan.

Keep CIBIL score high – A high score helps you get better loans at lower rates.

Add a co-applicant – An earning co-applicant can help you get better offers.

Solid income documentation – Include all your income sources with proper proof.

Avoid large card spends – Don't make big purchases on credit cards right before applying.

Save for down payment – Plan meticulously and save for the downpayment.

About RC Finance

Founded in 2021 (Reg. No: RCI 92756), RC Finance is a premier Direct Selling Agent (DSA) headquartered in Mumbai. We bridge the gap between customers and top-tier financial institutions across India.

Our network comprises 50+ major banks and 150+ NBFCs, allowing us to offer unparalleled access to loans, credit cards, investments, and insurance products. We are not a traditional lender – we are a financial technology and advisory platform dedicated to finding the best fit for your unique needs.

Our Mission: To provide easy and accessible financial solutions across India with transparency, speed, and customer-first service.

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Why We Stand Out

50+ Banks & 150+ NBFCs
Registered: RCI 92756
Head Office: B Cabin Road, Mumbai
Pan-India Presence
Zero Bias – We find what works for you
100% Free Advisory Service

RC Finance in Numbers

Our reach and impact across the Indian financial landscape.

50+

Partner Banks

150+

Partner NBFCs

₹500+ Cr

Total Disbursed

10,000+

Happy Customers

Years of Excellence

Our Financial Services

We offer a comprehensive suite of financial products under one roof. Choose the service that fits your needs.

Personal Loans

Quick approval, minimal docs, no collateral

Home Loans

Dream home financing at low rates, up to 30 years

Business Loans

Fuel your entrepreneurial growth with flexible options

Credit Cards

Premium rewards, high limits & exclusive deals

Insurance

Protect what matters – health, life & vehicle covers

Bank Account Opening

Zero-balance & premium banking options

Demat Account

Start your investment journey with ease

QROPS Pension Scheme

Your UK Pension, Seamlessly Transferred Worldwide.

Credit Builder Membership

Build your CIBIL score from scratch with expert guidance

View All Services

Why Choose RC Finance?

We make borrowing and investing simple, transparent, and rewarding.

Massive Network

Access to 50+ Banks & 150+ NBFCs – we shop the market for you.

Lowest Rates

Exclusive partner deals ensure you get the most competitive interest rates.

100% Digital

Paperless KYC, instant e-verification, and quick disbursal.

Expert Guidance

Dedicated relationship managers to guide you every step of the way.

No Hidden Charges

Our advisory is completely free. You only pay lender fees (disclosed upfront).

Pan-India Reach

Serving customers across 25+ cities with local expertise.

Frequently Asked Questions

Got questions? We've got answers. Here's what our customers usually ask us.

What is RC Finance and how do you work?

RC Finance is a premier Direct Selling Agent (DSA) that connects customers with 50+ banks and 150+ NBFCs across India. We act as a financial aggregator – we analyze your profile, compare multiple lenders, and present you with the best loan, credit card, or investment options tailored to your needs.

What does "DSA tie-up with 50 banks and 150 NBFCs" mean?

It means we have official partnerships with 50+ banks (like SBI, HDFC, ICICI) and 150+ NBFCs (like Bajaj Finance, Tata Capital, etc.). This allows us to offer you a wide range of financial products from multiple lenders in one place. You don't have to visit different banks – we do the comparison and legwork for you.

Is RC Finance a registered company?

Yes, absolutely. RC Finance was founded in 2021 and is registered under the registration number RCI 92756. Our head office is located at B Cabin Road, Mumbai, and we operate strictly in compliance with all regulatory guidelines.

Do you charge any fees for your services?

We believe in transparency. Our advisory and comparison services are completely free for customers. We are compensated by our partner banks and NBFCs for successfully connecting them with genuine customers. You only pay the standard fees/interest charged by the lender – there are no hidden charges from RC Finance.

What is the Credit Builder Membership?

The Credit Builder Membership is a unique program designed for individuals who have a low CIBIL score or no credit history. We provide personalized guidance, financial planning tips, and a structured path to help you build or repair your credit score. Once your score improves, you become eligible for better loans and credit cards from our partner network.