GharFund.com
See your real rate in 5 min

Gurgaon's First
Property‑First
Home Loan Platform

30 yrs closing loans in Gurgaon
Every bank in India
Real rate in 5 minutes
Self-employed specialist
50+
Partner Banks
₹500Cr+
Loans Processed
0%
Processing Fee
India's #1 Real Estate Market

₹1L Cr annual sales · Prices +113% since 2020

Banks advertise
"From 7.40%"
You'll actually get
Depends on
your profile
We'll tell you in 5 min →
Works
with
HDFC Bank
SBI
ICICI Bank
Kotak Mahindra
Axis Bank
PNB
Bank of Baroda
LIC Housing Finance
Bajaj Housing Finance
Tata Capital
IDFC First Bank
Indian Bank
IDBI Bank
Union Bank of India
Bank of India
Bank of Maharashtra
HDFC Bank
SBI
ICICI Bank
Kotak Mahindra
Axis Bank
PNB
Bank of Baroda
LIC Housing Finance
Bajaj Housing Finance
Tata Capital
IDFC First Bank
Indian Bank
IDBI Bank
Union Bank of India
Bank of India
Bank of Maharashtra
What we do

Property to sanction.
5 days. Not 8 weeks.

30 years of all-bank sanction data.
Built for the home you already want.

01
Step 01

Browse

Search any Gurgaon project — every sector, every price range. We show you which banks fund it and at what terms.

Property matched to lenders
02
Step 02

Check eligibility

Tell us your profile — salaried or self-employed. One form. We run it against every bank simultaneously.

Every bank checked, one go
03
Step 03

Get your real quote

The actual sanctioned rate, EMI, and all-in cost across your top options. Not the teaser. Not the brochure.

Real rate in 5 minutes
04
Step 04

Apply — once

One-click application to your top 2–3 banks. We handle every document so you don't run between offices.

One application, multiple banks
05
Step 05

We close it

Our 30-year team carries it to disbursement. Zero processing fee. No insurance cross-sells. No surprises at the table.

Zero fee. Done.
No documents needed to see your rate
Search any property. See every bank's real rate.

Introducing GharBrowser

Type any project or address. Instantly see which banks approve it and at what sanctioned rate.

G
GharBrowser — Find your home loan
G
EMI Calculator
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Bank Rates 2026
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gharfund.com/browser
GharFund HomeEMI CalculatorSector 57DLF ProjectsSelf-Employed Loans
The GharFund difference

What we quote
is what you pay.

Banks, DSAs, and aggregators all charge upfront fees and show teaser rates. GharFund guarantees the best ROI across 50+ lenders — with zero fees, ever.

  • Best ROI guaranteed across 50+ banks
  • Real sanctioned rate, not a teaser
  • Zero processing fee — ever
  • Approval decision before you apply

Total upfront cost

₹23,500

Before your first EMI.

Fee breakdown

Processing fee₹15,000
Legal charges₹8,500

8.25%*

Rate shown

No

Sanctioned

1

Banks

Only 1 bank. Teaser rate. ₹23,500 before your first EMI.

Self-Employed

Built for the self-employed.
Not the salary slip.

58.4% of India works for itself — business owners, professionals, freelancers, consultants. Most home loan underwriting was designed around a fixed salary. The result isn't that you don't qualify. It's that you're assessed by the wrong yardstick, by a lender that doesn't fit your profile. We fix the match.

58.4%

of India's workforce
is self-employed

The majority — served worst

High turnover, low ITR

Your business does strong numbers, but your tax-optimised ITR understates it. Some lenders read only declared profit. Others weigh your GST returns and bank-statement cashflows — and approve you for far more. We know which lenders fit your books.

Business under 3 years

Most lenders want 3 years of vintage. A few approve at 2 — for the right profile, packaged the right way. We know exactly who, and how to present your file.

Freelancer or consultant

Variable, project-based income confuses standard underwriting. We structure your case the way approvers want to see it — so your income reads as strength, not risk.

Doctor, CA, or professional?

Many lenders have dedicated, more generous programs for licensed professionals. Better rates, higher eligibility, fewer questions. You deserve to know who they are.

Apply blind
With GharFund

Benchmarked to your lowest-income year

Matched to lenders who average your best years

Every ITR-vs-turnover gap counted against you

Lenders who read your GST returns and full bank picture

Wrong lender, wrong file, rejection

Right lender, right file, approval

Ashutosh Bhatnagar

30 years. Thousands of self-employed files. Every bank in India.

We've spent three decades learning which lender approves which self-employed profile — by income type, business vintage, GST pattern, and property type. We don't guess which bank will say yes. We know.

Ashutosh Bhatnagar · Founder, GharFund · Victory Financial Consulting, Est. 1996

Check your self-employed eligibility

5 minutes · Zero processing fee · No CIBIL impact

Verified Google Reviews

What our clients say

Google Review

Victory Financial Consulting made our home loan process completely hassle-free. Their team handled everything efficiently — we didn't have to follow up even once. All documents were collected and signed at our home, making the entire experience smooth and convenient.

TS

Tushar Singh

Home Loan · Gurgaon

Google Review

VFC team — especially Shabnam, Mr. Ashutosh and Nitoo — helped secure the best ROI on my financial needs. They were friendly and accommodating, and made sure I got the best deal as a customer.

VC

Vamsi Krishna C.

Home Loan · NCR

Google Review

Provided good and hassle-free services in my loan approval and disbursal. Got end-to-end service on phone call only. Especially Nidhi madam, Sonia madam and Nitoo ji helped a lot in the whole loan process. Overall great experience.

DD

Dilip Dandotiya

Loan Approval & Disbursal

Google Review

Great experience with Victory Financial in terms of service, support, and a genuinely helpful team. Before and after loan support was excellent. I look forward to availing their services again and will recommend to my group.

SE

Satyam Enterprises

Business Loan · NCR

Google Review

I recently transferred my home loan through Victory Financial Consulting and the experience was truly seamless. Dilip Sir was extremely supportive and Radhika ma'am was very helpful. I highly recommend VFC to anyone looking for reliable financial services.

RK

Rajiv Kaushik

Home Loan Transfer · Gurgaon

Google Review

Excellent service with timely updates throughout the entire process. Every detail was clearly communicated and they helped me secure a very competitive interest rate of 7.35%. Special thanks to Shabnam for her constant support throughout.

VS

Vijay Sharma

Home Loan Balance Transfer

Google Review

Victory Financial Consulting made our home loan process completely hassle-free. Their team handled everything efficiently — we didn't have to follow up even once. All documents were collected and signed at our home, making the entire experience smooth and convenient.

TS

Tushar Singh

Home Loan · Gurgaon

Google Review

VFC team — especially Shabnam, Mr. Ashutosh and Nitoo — helped secure the best ROI on my financial needs. They were friendly and accommodating, and made sure I got the best deal as a customer.

VC

Vamsi Krishna C.

Home Loan · NCR

Google Review

Provided good and hassle-free services in my loan approval and disbursal. Got end-to-end service on phone call only. Especially Nidhi madam, Sonia madam and Nitoo ji helped a lot in the whole loan process. Overall great experience.

DD

Dilip Dandotiya

Loan Approval & Disbursal

Google Review

Great experience with Victory Financial in terms of service, support, and a genuinely helpful team. Before and after loan support was excellent. I look forward to availing their services again and will recommend to my group.

SE

Satyam Enterprises

Business Loan · NCR

Google Review

I recently transferred my home loan through Victory Financial Consulting and the experience was truly seamless. Dilip Sir was extremely supportive and Radhika ma'am was very helpful. I highly recommend VFC to anyone looking for reliable financial services.

RK

Rajiv Kaushik

Home Loan Transfer · Gurgaon

Google Review

Excellent service with timely updates throughout the entire process. Every detail was clearly communicated and they helped me secure a very competitive interest rate of 7.35%. Special thanks to Shabnam for her constant support throughout.

VS

Vijay Sharma

Home Loan Balance Transfer

Google Review

Victory Financial Consulting made our home loan process completely hassle-free. Their team handled everything efficiently — we didn't have to follow up even once. All documents were collected and signed at our home, making the entire experience smooth and convenient.

TS

Tushar Singh

Home Loan · Gurgaon

Google Review

VFC team — especially Shabnam, Mr. Ashutosh and Nitoo — helped secure the best ROI on my financial needs. They were friendly and accommodating, and made sure I got the best deal as a customer.

VC

Vamsi Krishna C.

Home Loan · NCR

Google Review

Provided good and hassle-free services in my loan approval and disbursal. Got end-to-end service on phone call only. Especially Nidhi madam, Sonia madam and Nitoo ji helped a lot in the whole loan process. Overall great experience.

DD

Dilip Dandotiya

Loan Approval & Disbursal

Google Review

Great experience with Victory Financial in terms of service, support, and a genuinely helpful team. Before and after loan support was excellent. I look forward to availing their services again and will recommend to my group.

SE

Satyam Enterprises

Business Loan · NCR

Google Review

I recently transferred my home loan through Victory Financial Consulting and the experience was truly seamless. Dilip Sir was extremely supportive and Radhika ma'am was very helpful. I highly recommend VFC to anyone looking for reliable financial services.

RK

Rajiv Kaushik

Home Loan Transfer · Gurgaon

Google Review

Excellent service with timely updates throughout the entire process. Every detail was clearly communicated and they helped me secure a very competitive interest rate of 7.35%. Special thanks to Shabnam for her constant support throughout.

VS

Vijay Sharma

Home Loan Balance Transfer

Google Review

Choosing Victory Financial Consulting for my home loan balance transfer turned out to be one of the best financial decisions I've made. From the very beginning, the team was supportive, responsive, and genuinely invested in helping me get the best possible deal.

DJ

Divya Jain

Home Loan Balance Transfer

Google Review

I could add more than 5 stars if allowed. Bhatnagar ji was immensely helpful during my home loan transfer. The biggest challenge for me was handholding through each step — and they delivered exactly that. Secured the lowest interest rate, completely hassle-free.

AN

AkG NA

Home Loan Transfer

Google Review

Excellent experience dealing with Bhatnagar ji and his team — Sonia ji, Nitoo, and others. They managed my HDFC to Bank of India balance transfer seamlessly. Professional, prompt, and genuinely invested in getting me the best rate.

IS

Ikshit Shrivastava

HDFC → Bank of India BT

Google Review

Very happy with the services provided by Victory Financial Consulting. Radhika Sharma explained each step clearly and patiently throughout the loan transfer process. The leadership of Mr. Dilip Patra was evident in how smoothly everything ran.

AD

Akshay Dhand

Home Loan Transfer · NCR

Google Review

I recently transferred my home loan from HDFC to Bank of India, and the experience was exceptionally smooth and rewarding — all thanks to the dedicated support from Victory Financial Consulting. They guided me at every step and secured an excellent rate.

SK

Sharad Krishnan

HDFC → Bank of India BT

Google Review

Choosing Victory Financial Consulting for my home loan balance transfer turned out to be one of the best financial decisions I've made. From the very beginning, the team was supportive, responsive, and genuinely invested in helping me get the best possible deal.

DJ

Divya Jain

Home Loan Balance Transfer

Google Review

I could add more than 5 stars if allowed. Bhatnagar ji was immensely helpful during my home loan transfer. The biggest challenge for me was handholding through each step — and they delivered exactly that. Secured the lowest interest rate, completely hassle-free.

AN

AkG NA

Home Loan Transfer

Google Review

Excellent experience dealing with Bhatnagar ji and his team — Sonia ji, Nitoo, and others. They managed my HDFC to Bank of India balance transfer seamlessly. Professional, prompt, and genuinely invested in getting me the best rate.

IS

Ikshit Shrivastava

HDFC → Bank of India BT

Google Review

Very happy with the services provided by Victory Financial Consulting. Radhika Sharma explained each step clearly and patiently throughout the loan transfer process. The leadership of Mr. Dilip Patra was evident in how smoothly everything ran.

AD

Akshay Dhand

Home Loan Transfer · NCR

Google Review

I recently transferred my home loan from HDFC to Bank of India, and the experience was exceptionally smooth and rewarding — all thanks to the dedicated support from Victory Financial Consulting. They guided me at every step and secured an excellent rate.

SK

Sharad Krishnan

HDFC → Bank of India BT

Google Review

Choosing Victory Financial Consulting for my home loan balance transfer turned out to be one of the best financial decisions I've made. From the very beginning, the team was supportive, responsive, and genuinely invested in helping me get the best possible deal.

DJ

Divya Jain

Home Loan Balance Transfer

Google Review

I could add more than 5 stars if allowed. Bhatnagar ji was immensely helpful during my home loan transfer. The biggest challenge for me was handholding through each step — and they delivered exactly that. Secured the lowest interest rate, completely hassle-free.

AN

AkG NA

Home Loan Transfer

Google Review

Excellent experience dealing with Bhatnagar ji and his team — Sonia ji, Nitoo, and others. They managed my HDFC to Bank of India balance transfer seamlessly. Professional, prompt, and genuinely invested in getting me the best rate.

IS

Ikshit Shrivastava

HDFC → Bank of India BT

Google Review

Very happy with the services provided by Victory Financial Consulting. Radhika Sharma explained each step clearly and patiently throughout the loan transfer process. The leadership of Mr. Dilip Patra was evident in how smoothly everything ran.

AD

Akshay Dhand

Home Loan Transfer · NCR

Google Review

I recently transferred my home loan from HDFC to Bank of India, and the experience was exceptionally smooth and rewarding — all thanks to the dedicated support from Victory Financial Consulting. They guided me at every step and secured an excellent rate.

SK

Sharad Krishnan

HDFC → Bank of India BT

Featured Properties

Top projects in Gurgaon

Compare loan rates from 50+ banks for every project — instantly.

M3M Capital Walk
New Launch
Sector 113

M3M Capital Walk

M3M India

₹82L – ₹145L
8.50%SBI
Rates
Godrej Meridien
Ready to Move
Sector 106

Godrej Meridien

Godrej Properties

₹1.2 Cr – ₹3.5 Cr
8.45%SBI
Rates
Sobha City
Under Construction
Sector 108

Sobha City

Sobha Realty

₹95L – ₹210L
8.55%HDFC
Rates
ATS Tourmaline
Ready to Move
Sector 109

ATS Tourmaline

ATS Group

₹2.8 Cr – ₹4.5 Cr
8.50%Kotak
Rates
Signature Global City 37D
Under Construction
Sector 37D

Signature Global City 37D

Signature Global

₹65L – ₹120L
8.60%Bank of Baroda
Rates
BPTP Amstoria
Ready to Move
Sector 102

BPTP Amstoria

BPTP Group

₹78L – ₹180L
8.55%PNB Housing
Rates
M3M Capital Walk
New Launch
Sector 113

M3M Capital Walk

M3M India

₹82L – ₹145L
8.50%SBI
Rates
Godrej Meridien
Ready to Move
Sector 106

Godrej Meridien

Godrej Properties

₹1.2 Cr – ₹3.5 Cr
8.45%SBI
Rates
Sobha City
Under Construction
Sector 108

Sobha City

Sobha Realty

₹95L – ₹210L
8.55%HDFC
Rates
ATS Tourmaline
Ready to Move
Sector 109

ATS Tourmaline

ATS Group

₹2.8 Cr – ₹4.5 Cr
8.50%Kotak
Rates
Signature Global City 37D
Under Construction
Sector 37D

Signature Global City 37D

Signature Global

₹65L – ₹120L
8.60%Bank of Baroda
Rates
BPTP Amstoria
Ready to Move
Sector 102

BPTP Amstoria

BPTP Group

₹78L – ₹180L
8.55%PNB Housing
Rates
M3M Capital Walk
New Launch
Sector 113

M3M Capital Walk

M3M India

₹82L – ₹145L
8.50%SBI
Rates
Godrej Meridien
Ready to Move
Sector 106

Godrej Meridien

Godrej Properties

₹1.2 Cr – ₹3.5 Cr
8.45%SBI
Rates
Sobha City
Under Construction
Sector 108

Sobha City

Sobha Realty

₹95L – ₹210L
8.55%HDFC
Rates
ATS Tourmaline
Ready to Move
Sector 109

ATS Tourmaline

ATS Group

₹2.8 Cr – ₹4.5 Cr
8.50%Kotak
Rates
Signature Global City 37D
Under Construction
Sector 37D

Signature Global City 37D

Signature Global

₹65L – ₹120L
8.60%Bank of Baroda
Rates
BPTP Amstoria
Ready to Move
Sector 102

BPTP Amstoria

BPTP Group

₹78L – ₹180L
8.55%PNB Housing
Rates
Hero Homes
Under Construction
Sector 104

Hero Homes

Hero Realty

₹90L – ₹170L
8.55%SBI
Rates
Elan The Emperor
New Launch
Sector 106

Elan The Emperor

Elan Group

₹4 Cr – ₹8.5 Cr
8.60%HDFC
Rates
Paras Dews
Ready to Move
Sector 106

Paras Dews

Paras Buildtech

₹85L – ₹180L
8.55%PNB Housing
Rates
Mapsko Casa Bella
Ready to Move
Sector 82

Mapsko Casa Bella

Mapsko Builders

₹60L – ₹120L
8.65%Bank of Baroda
Rates
Conscient Heritage Max
Under Construction
Sector 102

Conscient Heritage Max

Conscient Infrastructure

₹1.8 Cr – ₹3.5 Cr
8.55%Axis Bank
Rates
Smart World One DXP
New Launch
Sector 113

Smart World One DXP

Smart World Developers

₹1.5 Cr – ₹2.8 Cr
8.50%SBI
Rates
Hero Homes
Under Construction
Sector 104

Hero Homes

Hero Realty

₹90L – ₹170L
8.55%SBI
Rates
Elan The Emperor
New Launch
Sector 106

Elan The Emperor

Elan Group

₹4 Cr – ₹8.5 Cr
8.60%HDFC
Rates
Paras Dews
Ready to Move
Sector 106

Paras Dews

Paras Buildtech

₹85L – ₹180L
8.55%PNB Housing
Rates
Mapsko Casa Bella
Ready to Move
Sector 82

Mapsko Casa Bella

Mapsko Builders

₹60L – ₹120L
8.65%Bank of Baroda
Rates
Conscient Heritage Max
Under Construction
Sector 102

Conscient Heritage Max

Conscient Infrastructure

₹1.8 Cr – ₹3.5 Cr
8.55%Axis Bank
Rates
Smart World One DXP
New Launch
Sector 113

Smart World One DXP

Smart World Developers

₹1.5 Cr – ₹2.8 Cr
8.50%SBI
Rates
Hero Homes
Under Construction
Sector 104

Hero Homes

Hero Realty

₹90L – ₹170L
8.55%SBI
Rates
Elan The Emperor
New Launch
Sector 106

Elan The Emperor

Elan Group

₹4 Cr – ₹8.5 Cr
8.60%HDFC
Rates
Paras Dews
Ready to Move
Sector 106

Paras Dews

Paras Buildtech

₹85L – ₹180L
8.55%PNB Housing
Rates
Mapsko Casa Bella
Ready to Move
Sector 82

Mapsko Casa Bella

Mapsko Builders

₹60L – ₹120L
8.65%Bank of Baroda
Rates
Conscient Heritage Max
Under Construction
Sector 102

Conscient Heritage Max

Conscient Infrastructure

₹1.8 Cr – ₹3.5 Cr
8.55%Axis Bank
Rates
Smart World One DXP
New Launch
Sector 113

Smart World One DXP

Smart World Developers

₹1.5 Cr – ₹2.8 Cr
8.50%SBI
Rates

A note from our founder

Ashutosh Bhatnagar — Founder, GharFund

30

Years

₹0

Fee

Ashutosh Bhatnagar

Founder, GharFund

Victory Financial Consulting · Est. 1996

For 30 years, I've helped families in Gurgaon get home loans. I've sat across from thousands of people at the most important financial moment of their lives — and I've watched the same things happen again and again.

I've seen salaried buyers shown one rate and sanctioned at another. I've seen self-employed business owners — people who built something from nothing — turned away by banks that didn't know how to read their income. I've seen good families pay charges nobody warned them about.

It never sat right with me.

So we built GharFund to do it the way it should have always been done: tell people the real number before they sign. Work with every bank, not just the one that pays us most. And never charge a processing fee only to hide it back in somewhere else.

I've spent three decades learning which bank approves which family, at what rate, for which home. That knowledge belongs to you now.

What we quote is what you pay.
I'll stand behind that personally.

— Ashutosh Bhatnagar · Founder, GharFund

FAQ

Questions, answered.

Can't find yours? Call us.

About GharFund

Gurgaon trusts

GharFundfor real home loans.

Total loans disbursed

₹1,000 Cr+

30 yrs
closing loans in Gurgaon
50+
partner banks
0%
processing fee
What we quote
is what you pay.