# Griha Sugam Home Loan

Source: https://hyderabadhomeloans.com/griha-sugam-home-loan/ · Updated 26 Sep 2026

A home loan for small business owners — no income tax returns needed.

- Loan: ₹5L – ₹30L
- Rate: 10.75%–11.00%*
- ITR needed: No
- Business vintage: 3 years

Griha Sugam is LIC HFL’s special scheme for self-employed borrowers who don’t have formal income proof such as Income Tax Returns, but earn enough to pay a home loan EMI.

It’s built for owners of small businesses — a kirana store, garment shop or hardware store — with a proven three-year business track record.

## Who can apply

- Small business owners — kirana stores, garment shops, hardware stores and similar
- Self-employed borrowers without Income Tax Returns
- Businesses with a proven 3-year vintage

## Key features

- No Income Tax Return documents required
- Loan amount from ₹5 lakh up to ₹30 lakh
- Interest rate 10.75% to 11.00%
- Eligibility based on business vintage and repayment capacity

## How Hyderabad Home Loans helps

- We check your eligibility and confirm whether this scheme is the best fit before you apply.
- We review your documents before they go to LIC HFL, so there are fewer queries later.
- We track your file with LIC HFL through sanction and disbursement.

## FAQs

### I don’t file ITRs. Can I really get a home loan?

Yes — that’s exactly what Griha Sugam is for. LIC HFL looks at your business vintage (3 years) and ability to pay the EMI instead of ITRs.

### How much can I borrow under Griha Sugam?

From ₹5 lakh up to ₹30 lakh.

### What documents should I keep ready?

KYC, proof that your business has run for 3 years (such as shop registration or trade licence) and your bank statements. We’ll give you the exact list for your case.



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Hyderabad Home Loans — authorised DSA of LIC Housing Finance Ltd since 2002. Free eligibility check: https://hyderabadhomeloans.com/. Phone / WhatsApp +91-8886249998.