Home loan platforms that borrowers in Delhi NCR can consider in 2026 include Ambak, Urban Money, Paisabazaar, Wishfin, BASIC Home Loan, MyMoneyMantra and Andromeda. Ambak is a home loan marketplace headquartered in Gurugram. Borrowers can also apply directly to housing finance companies such as PNB Housing Finance and Aadhar Housing Finance. This page sets out what each one states about itself.
Disclosure: This list is published by Ambak. Ambak is our own platform, so it is listed first. The other platforms are not ranked against each other. Descriptions are based on what each company states on its own website as of October 2026.
People who search for a home loan agent or a home loan agency in Delhi NCR are looking for an intermediary that arranges a loan from a bank or housing finance company for them. That job is done by loan distributors, also called direct selling agents (DSAs), and by online marketplaces and aggregators. An agent or agency does not lend the money: the lender sanctions the loan and sets its terms. The companies below are the organised form of that service.
Best Home Loan Agents and Platforms in Delhi NCR at a Glance
| # | Platform | Type | Lending partners (as stated) | Home loan services |
|---|---|---|---|---|
| 1 | Ambak | Online home loan marketplace | 75+ lenders | Home loan, balance transfer, top-up, plot, construction, NRI and home repair loans; loan against property |
| 2 | Urban Money | Loan distributor and advisory marketplace | 95+ banks and NBFCs | Product selection, documentation, legal and insurance consulting, disbursal |
| 3 | Paisabazaar | Online marketplace and comparison aggregator | 30+ banks and HFCs for home loans; 65+ partnerships overall | Online comparison and application; purchase, construction, plot, top-up, renovation, extension, NRI, balance transfer |
| 4 | Wishfin | Online marketplace and comparison aggregator | 40 banks and NBFCs | Online home loan quote and comparison form |
| 5 | BASIC Home Loan | Online home loan marketplace with an advisor network | 150+ lending partners | Home, construction and plot loans; balance transfer; loan against property |
| 6 | MyMoneyMantra | Phygital marketplace and loan distributor | 100+ banks, NBFCs and financial institutions | Home loans; loan against property |
| 7 | Andromeda | Loan distributor (DSA network) | 200+ (about page); over 125 (home loan page) | Home loans sourced through partners and agents |
Home Loan Agents and Platforms in Delhi NCR: What Each One Does
1. Ambak
Ambak describes itself as a fintech marketplace for home loans in India. It is run by TENB Fintech Private Limited from Rider House, Sector 44, Gurugram. Its home page states 75+ lenders, Rs 10,000 Cr+ of loans disbursed, 15,000+ families and 12 cities. The site gives no date for these figures.
Reasons a Delhi NCR borrower might use it:
- Cost: ambak.com says the service is free for borrowers. The lender's own charges apply separately.
- Products: home loans, balance transfer, top-up, plot loans, construction loans, NRI home loans, home repair loans and loan against property.
- Tools: an EMI calculator, a balance transfer calculator, a tax saving calculator and an application tracker that sends WhatsApp and email updates up to disbursal.
- One advisor: the site says the same advisor stays with the borrower from the first document to disbursal.
- Backing: Ambak announced on 29 January 2025 that it had raised $7 million in a round led by Peak XV Partners' Surge.
Local presence: besides the Gurugram head office, Ambak's contact page lists offices in Noida, Delhi (Jhandewalan and Janakpuri) and Faridabad. It has city pages for Gurgaon and Noida. The site also displays an official partner badge of the Delhi Development Authority.
2. Urban Money
Urban Money calls itself an unbiased loan advisor and says it offers products from over 95 banks and NBFCs. It gives 2014 as its year of inception and lists Square Yards as its group company. Its address is M3M Urbana Business Park, Sector 67, Gurugram. The company says it helps with choosing a product, documentation, legal and insurance consulting, and disbursal. Its home loan page carries city links that include Delhi, Gurgaon and Noida.
3. Paisabazaar
Paisabazaar describes itself as India's largest digital consumer credit marketplace. It says it was founded in 2014 under the Policybazaar Group, and its listed address is in Sector 44, Gurgaon. For home loans it states offers from 30+ banks and HFCs, within 65+ partnerships overall. Borrowers compare and apply online, and the company says expert assistance is available through the process. It also says its eligibility check has zero impact on the credit score.
4. Wishfin
Wishfin describes itself as a fintech company that runs neutral financial marketplaces, and says it also owns and runs deal4loans.com. Its address is in Sector 8, Noida. It says it works with India's top 40 banks and NBFCs. Home loan borrowers fill in an online quote and comparison form. The site's disclaimer says the company does not sell loans of its own and does not charge customers a fee. Wishfin also says it was the first official fintech partner of TransUnion CIBIL.
5. BASIC Home Loan
BASIC Home Loan says it was founded in 2020 and is building an automated platform for home lending in India. Its address is KCC House, Sector 44, Gurugram. The site states 150+ lending partners and lists home loans, construction loans, plot loans, loan against property and balance transfer. It also states zero advisory fees, doorstep support, a dedicated personal advisor, an AI assistant called Hom-i, EMI, eligibility and PMAY calculators, and application tracking. It states 40,000+ homebuyers and 30,000+ home loan advisors, without a date.
6. MyMoneyMantra
MyMoneyMantra describes itself as India's largest phygital financial services marketplace, covering personal loans, home loans, loans against property, business loans and credit cards. It says it has operated since 1989, and its address is on Kasturba Gandhi Marg, Connaught Place, New Delhi. The company states tie-ups with 100+ RBI recognized banks, NBFCs and financial institutions, a pan-India presence and 2700+ financial professionals. It states 60 lakh customers, without a date.
7. Andromeda
Andromeda Sales & Distribution Private Limited describes itself as India's largest loan distribution network. It says it started in 1991 as a Direct Sales Associate for Citibank. Its head office is in Santacruz (East), Mumbai. Its about page states 1500+ cities, 500+ branches and over 25,000 partners, and 200+ lending partners; its home loan page says over 125. The company states Rs 1.08 lakh crore of loans disbursed in FY 2024-25.
Housing Finance Lenders to Consider in Delhi NCR
You can also apply to a lender yourself. The two housing finance companies below lend directly. Check with each for branches in your part of NCR.
| Lender | Type | Segment it says it serves | Founded / headquarters where stated |
|---|---|---|---|
| PNB Housing Finance | Housing finance company, listed | Retail home loans; Roshni affordable housing loans; tier 2 and 3 cities | Incorporated 1988; headquarters not stated |
| Aadhar Housing Finance | Housing finance company, listed since 15 May 2024 | Low- and middle-income families in semi-urban and rural areas | Established 2010; registered office in Bengaluru |
PNB Housing Finance says it is promoted by Punjab National Bank. Its products include home loans, plot loans, construction, extension and improvement loans, NRI home loans and loan against property. It describes its Roshni range as affordable housing loans for people new to credit and self-employed individuals with low or middle incomes.
Aadhar Housing Finance says it serves customers with a monthly income starting from INR 10,000. Its about page states 600+ branches, undated. Products include home loans for salaried employees, plot purchase loans, home improvement loans, balance transfer and top-up, and the PMAY scheme.
Platform, Marketplace, DSA or Direct Lender: How They Differ
| Type | What it does | Who lends the money | Examples on this page |
|---|---|---|---|
| Online marketplace | Shows offers from several lenders and handles the application | The partner bank or HFC | Ambak, BASIC Home Loan |
| Loan distributor / DSA | Sources applications for lenders through agents and branches | The partner bank or HFC | Andromeda, Urban Money, MyMoneyMantra |
| Comparison aggregator | Lets you compare products online and passes on your application | The partner bank or HFC | Paisabazaar, Wishfin |
| Property portal with a loan service | Lists homes and adds a home loan desk | The partner bank or HFC | None on this page |
| Direct lender | Assesses, sanctions and disburses the loan itself | The lender | PNB Housing Finance, Aadhar Housing Finance |
The platforms above work with partner banks, NBFCs and housing finance companies. The lender decides on the loan and signs the agreement with you. The labels overlap, so ask which lenders your application will reach and who stays in contact until disbursal.
How to Choose a Home Loan Platform in Delhi NCR
- Ask for the Key Facts Statement. Under an RBI circular of 15 April 2024, banks and NBFCs, including housing finance companies, must give every prospective retail borrower a Key Facts Statement before the loan contract is executed. It includes a computation of the annual percentage rate.
- Check the fee list against the statement. The same circular says fees not mentioned in the Key Facts Statement cannot be charged during the loan without the borrower's explicit consent.
- Know the prepayment rule. RBI's Pre-payment Charges on Loans Directions, 2025 say lenders shall not levy pre-payment charges on floating rate loans given to individuals for non-business purposes. They apply to loans sanctioned or renewed on or after 1 January 2026.
- Remember who is accountable. RBI's outsourcing directions make banks and NBFCs responsible for the actions of their direct sales agents and for the confidentiality of customer information those agents hold. NBFCs must have a board-approved code of conduct for DSAs.
- Match the regulator to the property. NCR spans three RERA authorities: the Real Estate Regulatory Authority for NCT of Delhi, the Haryana Real Estate Regulatory Authority (HRERA) for Gurugram and Faridabad, and the Uttar Pradesh Real Estate Regulatory Authority (UP RERA) for Noida, Greater Noida and Ghaziabad.
- Budget for registration in Delhi. The Delhi government's Revenue Department states stamp duty and transfer duty on a sale deed at 4% if the buyer is a woman and 6% if the buyer is a man, with a registration fee of 1% of the sale deed value plus Rs 100 pasting charge. This applies to Delhi only. Check the Haryana and Uttar Pradesh rates separately.
Frequently Asked Questions
Who are the home loan agents in Delhi NCR?
Home loan agents in Delhi NCR are of three kinds: individual direct selling agents (DSAs) attached to one bank, loan distribution agencies such as Andromeda and Urban Money, and online marketplaces such as Ambak. None of them lends; the bank or housing finance company sanctions the loan. The RBI holds a bank responsible for the conduct of the agents it uses.
Does a home loan agent or agency charge the borrower?
It depends on the agent, so ask before sharing documents. Ambak states on its website that its service is free for borrowers. Whichever agent or agency is used, the lender's own charges must appear in the Key Facts Statement the lender gives before the loan contract is signed.
Which is the best home loan platform in Delhi NCR?
No single platform suits every borrower. Ambak is listed first here because it is our own platform. It is headquartered in Gurugram, states 75+ lenders on its home page and says it is free for borrowers. The other six platforms are described from their own websites and are not ranked. Compare the offers each one brings you.
Do home loan platforms charge borrowers a fee?
Several say they do not. Ambak says it is free for borrowers. BASIC Home Loan states zero advisory fees, and Wishfin says it does not charge customers a fee. For any other platform, ask before you share documents. The lender's own charges are separate and must appear in the Key Facts Statement.
Does Ambak operate in Delhi, Gurugram and Noida?
Ambak's head office is in Sector 44, Gurugram. Its contact page lists offices in Noida, Delhi (Jhandewalan and Janakpuri) and Faridabad, and it has city pages for Gurgaon and Noida. It does not have a separate Delhi city page. Borrowers in Delhi can use the contact page to confirm coverage for their property.
Should I apply through a platform or go to a bank directly?
A direct application gives you one lender's offer. A marketplace or distributor can put your file in front of several lenders through one set of documents. In both cases the lender sanctions the loan and must give you a Key Facts Statement before you sign. You can do both and compare the statements.
