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Home Loan Interest Rate
Eligible borrowers can avail Home Loans with attractive interest rates on both floating and fixed rate loans, lower Equated Monthly Instalments (EMIs) and no pre-payment charges on floating loan rates.
Special Home Loan Rates
Bureau Score | Salaried | Self - Employed |
---|---|---|
> 800 |
RR + 2.50% (9.00%) | RR + 2.50% (9.00%) |
750 - 800 | RR + 2.50% (9.00%) | RR + 2.60% (9.10%) |
Special Processing Fee offer
As part of Festive offer, Special Processing fee is Rs 2,999*
*Special Processing fee is only applicable for salaried customer with Bureau Score >= 750 & Loan amount >= 50 Lakhs & inclusive of all taxes, CIBIL & CERSAI charges (if applicable)
Valid till 31 March, 2023
Interest Rates
Loan Slab |
Salaried |
Self-Employed |
Up to ₹ 35 lakhs |
RR + 2.75% (9.25%) - RR + 3.15% (9.65%) |
RR + 2.90% (9.40%) - RR + 3.30% (9.80%) |
₹ 35 lakhs to ₹ 75 lakhs |
RR + 3.00% (9.50%) - RR + 3.30% (9.80%) |
RR + 3.15% (9.65%) - RR + 3.45% (9.95%) |
Above ₹ 75 lakhs |
RR + 3.10% (9.60%) - RR + 3.40% (9.90%) |
RR + 3.25% (9.75%) - RR + 3.55% (10.05%) |
Above mentioned interest rates will vary basis various parameters such as the Bureau Score, Profile, Segments, etc.
The processing fee is 0.50% of the loan amount, plus applicable taxes
Valid till 31 March, 2023
Loan Slab |
Salaried/ Self-Employed( PSL) |
Self-Employed (Non PSL) |
Up to ₹ 50 lakhs |
11.35%-12.00% |
11.85%-12.00% |
₹ 50 lakhs to ₹ 100 lakhs |
11.10%-11.75% |
11.60%-12.25% |
Above ₹ 100 lakhs |
10.85%-11.50% |
11.35%-12.00% |
Above mentioned interest rates will vary basis various parameters such as the Bureau Score, Profile, Segments, etc.
Popular FAQs
Please click here to know about the current interest rate on Home Loans.
The Home Loan interest rate can be reduced by doing a Balance Transfer to the new lender offering a lower rate of interest as compared to the existing lender. One can also approach an existing financier to lower the rate of interest.
The rate of interest offered by the banks, which is linked with the external benchmark rate, is considered to be better as it offers faster transmission of rate changes.
The Home Loan EMI is calculated basis the loan amount required, the loan tenure and the rate of interest applicable.
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