For a home loan in Pune in 2026, borrowers can use platforms such as Ambak, Easiloan, NoBroker, Urban Money and Andromeda, or apply to a lender directly. Ambak is a home loan marketplace with an office at Wakdewadi, Shivaji Nagar. Direct options covered here are Bank of Maharashtra, which has its head office in Pune, and Home First Finance.
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 Pune 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 Pune 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 | Easiloan | Online home loan marketplace (technology platform) | 45+ banks and HFCs | New home loans, balance transfer, top-up, plot loans, home extension loans; loan against property |
| 3 | NoBroker | Property portal with a loan service | 15+ banking partners | End-to-end home loan service with a field relationship manager |
| 4 | Urban Money | Loan distributor and advisory marketplace | 95+ banks and NBFCs | Product selection, documentation, legal and insurance consulting, disbursal |
| 5 | 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 Pune: What Each One Does
1. Ambak
Ambak calls itself a fintech marketplace for home loans. It connects home buyers with its lending partners. Its home page puts the number at 75+ lenders and also states Rs 10,000 Cr+ of loans disbursed, 15,000+ families and 12 cities. These are Ambak's own undated figures. The company behind it is TENB Fintech Private Limited, based in Gurugram.
Pune is one of the cities named on Ambak's home page and in its footer. The site has a Home Loan in Pune page, and the contact page lists a Pune office at Wakdewadi, Shivaji Nagar.
Why a Pune borrower might pick it:
- The site says the service is free for borrowers. Charges levied by the lender are separate.
- It covers home loans, plot loans, home construction loans, balance transfer, top-up, NRI home loans, home repair loans and loan against property.
- The site promises a dedicated advisor at every step, available by phone or WhatsApp.
- Its application tracker shows completed, ongoing and upcoming steps and sends WhatsApp and email notifications.
- An EMI calculator, a balance transfer calculator and a tax saving calculator are on the site.
On funding, Ambak announced a $7 million round led by Peak XV Partners' Surge in a post dated 29 January 2025. An official partner badge of the Delhi Development Authority is displayed in the site header.
2. Easiloan
Easiloan presents itself as a technology platform that brings customers, developers, channel partners and lenders together for end-to-end digital processing of home loans. It is clear that it is not a lender. It states 45+ partner banks and HFCs, connected through API-based integration. Pune is one of the cities with its own page on the Easiloan site; the company's offices are in Mumbai. Borrowers can apply digitally for a new home loan, balance transfer, top-up, plot loan, loan against property or home extension loan. Easiloan says there is no platform fee for borrowers and that lender fees apply as disclosed. It states 7200+ loan approvals, without a date.
3. NoBroker
NoBroker is a real-estate platform that says it lets people buy, sell or rent a house without paying brokerage. It is based in Bengaluru. Alongside listings it runs a home loan service, which it says is free of cost and end to end. A dedicated field relationship manager visits the borrower at home, according to its home loan page. The page states 15+ banking partners, a three-step process, EMI and eligibility calculators and zero hidden fees. Its loan form names several cities and has an "Other city" choice. Pune borrowers should check on the form that their location is covered.
4. Urban Money
Urban Money describes itself as an unbiased loan advisor. It belongs to the Square Yards group, gives 2014 as its starting year and is based in Gurugram. The company says its products come from over 95 banks and NBFCs. For a home loan it says it assists with choosing a suitable product, the paperwork, legal and insurance consulting, and disbursal. Pune is listed among the cities on its home loan page. Urban Money works through channel partners and states 1,50,000 of them, along with an annual transaction value of Rs 40,000 Cr+. Neither figure carries a date.
5. Andromeda
Andromeda Sales & Distribution Private Limited is a loan distributor that works through a DSA network. By its own account it began in 1991 as a Direct Sales Associate for Citibank and is India's largest loan distribution network today, with 1500+ cities, 500+ branches and 25,000+ financial advisors. Its head office is in Mumbai. The lender count is 200+ on its about page and over 125 on its home loan page. That home loan page speaks to partners and agents and mentions an in-house CRM and mobile tracking. For FY 2024-25 the company states Rs 1.08 lakh crore of loans disbursed.
Lenders to Consider in Pune
The two lenders below take applications directly. One is a public sector bank headquartered in Pune. The other is a housing finance company with its registered office in Mumbai; confirm its Pune branches with the lender.
| Lender | Type | Segment it says it serves | Founded / headquarters where stated |
|---|---|---|---|
| Bank of Maharashtra | Public sector bank, listed | No home loan segment focus stated | Registered 16 September 1935; Shivajinagar, Pune |
| Home First Finance | Housing finance company, listed | Low and middle income first-home buyers | Incorporated 3 February 2010; Andheri East, Mumbai |
Bank of Maharashtra was nationalised in 1969 and has its head office at Lokmangal, Shivajinagar, Pune. Its housing loan schemes are the Maha Super Housing Loan Scheme, which covers construction or purchase, a plot with construction on it, and repairs or renovation, and the Maha Super Flexi Housing Loan Scheme. It also lends under PMAY-Urban 2.0. The bank's housing loan page mentions a concession for women and defence personnel. Its site says its branch count crossed 2000 by 2021.
Home First Finance is a listed housing finance company that calls itself technology driven and focused on affordable housing. It says its customers come from low and middle income segments and are building or buying a first home. They are typically salaried employees of small firms or self-employed people. The company was incorporated in February 2010 and licensed by the National Housing Bank in August 2010.
Platform, Marketplace, DSA or Direct Lender: How They Differ
| Type | Role | Choice of lenders | Pune examples on this page |
|---|---|---|---|
| Online marketplace | Compares offers and runs the application online | Its partner lenders | Ambak, Easiloan |
| Loan distributor / DSA | Sources and submits files through agents | Its partner lenders | Andromeda, Urban Money |
| Comparison aggregator | Shows products side by side online | Its partner lenders | None on this page |
| Property portal with a loan service | Adds loan help to a property search site | Its partner lenders | NoBroker |
| Direct lender | Sanctions and disburses the loan | Its own products only | Bank of Maharashtra, Home First Finance |
A DSA, or direct sales agent, sources loan applications on behalf of lenders. A marketplace compares offers from its partner lenders online. A property portal adds loan help to a home search. The lender decides whether to lend and on what terms. Whichever route you take in Pune, the loan agreement is between you and the bank or housing finance company.
How to Choose a Home Loan Platform in Pune
- Start with the property. Pune projects fall under the Maharashtra Real Estate Regulatory Authority (MahaRERA). Check the project's details on the MahaRERA portal, then check which lenders on the platform's panel will fund it.
- Compare at least one direct quote. Bank of Maharashtra is headquartered in the city. Taking a direct offer from a bank alongside platform offers gives you a reference point.
- Read the Key Facts Statement before signing. RBI requires banks and NBFCs, including housing finance companies, to give prospective retail borrowers this statement before the loan contract is executed (circular dated 15 April 2024). It shows the annual percentage rate, which includes all charges levied by the lender.
- Refuse unlisted charges. The circular bars a lender from charging fees that are not mentioned in the Key Facts Statement during the loan term without your explicit consent.
- Plan for part-payments. RBI's Pre-payment Charges on Loans Directions, 2025 state that lenders shall not levy pre-payment charges on floating rate loans to individuals for non-business purposes, with no minimum lock-in period. They apply to loans sanctioned or renewed from 1 January 2026.
- Ask who the agent answers to. RBI directions require NBFCs to keep a board-approved code of conduct for direct sales agents and to obtain the agents' undertaking to follow it. If an agent's conduct concerns you, raise it with the lender.
- Check local support. Ask whether the platform has staff or an office in Pune and who will handle your file.
Frequently Asked Questions
Who are the home loan agents in Pune?
Home loan agents in Pune 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 home loan platforms can Pune buyers use?
This page covers five: Ambak, Easiloan, NoBroker, Urban Money and Andromeda. Ambak, our own platform, is listed first; it has a Pune office at Wakdewadi, Shivaji Nagar. Easiloan and Urban Money both list Pune on their sites. The five are not ranked against each other, and no single one is best for every borrower.
Does Ambak have an office in Pune?
Yes. Ambak's contact page lists an office at Wakdewadi, Shivaji Nagar, Pune. Pune also appears in the city list on its home page and in the site footer, and there is a dedicated Home Loan in Pune page. Ambak's head office is in Gurugram.
Is it free to use a home loan platform in Pune?
Several platforms say so. Ambak says it is free for borrowers, Easiloan says it charges borrowers no platform fee, and NoBroker says its home loan service is free of cost. Fees charged by the lender are a separate matter and have to be shown in the Key Facts Statement.
Should I use a platform or walk into a bank branch in Pune?
A branch gives you that bank's products and a direct relationship. A platform can show offers from several lenders against one set of documents; Ambak, for example, states 75+ lenders. Nothing stops you from doing both. The Key Facts Statement from each lender lets you compare on the same basis.
What should I check before signing the loan agreement?
Check that the Key Facts Statement matches what you were told, including the annual percentage rate and every fee. Confirm the loan is on a floating or fixed rate, since RBI's bar on pre-payment charges for individuals covers floating rate loans. Confirm the project's MahaRERA details. Keep copies of everything you sign.
