Turn Your Homeownership Dreams into Reality with Our Flexible Home Loan Solution!
Explore a range of home loan options with flexible terms and competitive rates, whether you're purchasing your dream home or refinancing your current mortgage
- Banks & NBFCs
- 70+ Banks & NBFCs
- Loan products
- 7 Loan products
- Max loan size
- ₹15 Cr Max loan size
- Impact on credit score to compare
- ₹0 Impact on credit score to compare
Home Loan
Buy, build or refinance — flexible terms, rates from 7.4%.
- Home Loan (purchase / construct residential property)
- Home loan refinancing / Balance Transfer
- NRI/PIO home loans
- Bank/lender comparison across 12 lenders
- 70+ banks & NBFCs
- Quick approval & disbursal
- Bank-grade data security
- Compare with zero credit-score impact
Home Loan options
The home loan products we help you compare and apply for across our partnered banks and NBFCs.
- Home Loan (purchase / construct residential property)
- Home loan refinancing / Balance Transfer
- NRI/PIO home loans
- Bank/lender comparison across 12 lenders
Key features & benefits
Low-interest home loans
Flexible terms and competitive rates
Options for purchasing or refinancing/balance transfer
12-lender interest-rate comparison
EMI calculator
Higher LTV up to 90% of property market value
Tenure up to 30 years/360 months
Rates starting at 8.50%, low EMI Rs.769 per lakh
Special loans for NRIs/PIOs
Home Loan interest rates
Indicative home loan rates, processing fees and loan amounts across our partnered banks and NBFCs. Final terms are set by the lender on approval.
| Bank / NBFC | Interest Rate | Processing Fee | Loan Amount | Apply |
|---|---|---|---|---|
| ICICI Bank | 07.60% to 09.00% | 10k + GST to 0.25% + GST | 5 lacs to 15 crore | Apply |
| Kotak Mahindra Bank | 07.75% to 09.25% | 10k + GST to 0.25% + GST | 5 lacs to 15 crore | Apply |
| HDFC Bank | 07.40% to 08.80% | 10k + GST to 0.25% + GST | 5 lacs to 15 crore | Apply |
| Axis Bank | 07.60% to 09.10% | 10k + GST to 0.25% + GST | 5 lacs to 15 crore | Apply |
| IDFC Bank | 09.10% to 11.00% | 0.50% + GST | Rs.10 L to Rs.15 cr | Apply |
| Godrej Capital | on request to 9.65% | 10k + GST to 0.25% + GST | 5 lacs to 15 crore | Apply |
| L&T Housing Finance | 08.50% to 09.50% | 10k + GST to 0.25% + GST | 5 lacs to 15 crore | Apply |
| Axis Finance | 08.50% to 09.50% | 0.75% to 1% + GST | 20 lacs to 15 crore | Apply |
| Bajaj Housing Finance | 07.35% to 8.50% | 10k + GST to 0.25% + GST | 20 lacs to 10 crore | Apply |
| RBL Bank | 07.60% to 08.90% | 0.60% + GST to 1% + GST | 20 lacs to 15 crore | Apply |
| Piramal | 9.99% to 11.55% | 1% + GST | 10 lakh to 2 crore | Apply |
| ICICI HFC | 08.50% to 9.50% | 0.75% to 1% + GST | 10 lakh to 2 crore | Apply |
ICICI Bank
Apply- Interest Rate
- 07.60% to 09.00%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 5 lacs to 15 crore
Kotak Mahindra Bank
Apply- Interest Rate
- 07.75% to 09.25%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 5 lacs to 15 crore
HDFC Bank
Apply- Interest Rate
- 07.40% to 08.80%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 5 lacs to 15 crore
Axis Bank
Apply- Interest Rate
- 07.60% to 09.10%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 5 lacs to 15 crore
IDFC Bank
Apply- Interest Rate
- 09.10% to 11.00%
- Processing Fee
- 0.50% + GST
- Loan Amount
- Rs.10 L to Rs.15 cr
Godrej Capital
Apply- Interest Rate
- on request to 9.65%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 5 lacs to 15 crore
L&T Housing Finance
Apply- Interest Rate
- 08.50% to 09.50%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 5 lacs to 15 crore
Axis Finance
Apply- Interest Rate
- 08.50% to 09.50%
- Processing Fee
- 0.75% to 1% + GST
- Loan Amount
- 20 lacs to 15 crore
Bajaj Housing Finance
Apply- Interest Rate
- 07.35% to 8.50%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 20 lacs to 10 crore
RBL Bank
Apply- Interest Rate
- 07.60% to 08.90%
- Processing Fee
- 0.60% + GST to 1% + GST
- Loan Amount
- 20 lacs to 15 crore
Piramal
Apply- Interest Rate
- 9.99% to 11.55%
- Processing Fee
- 1% + GST
- Loan Amount
- 10 lakh to 2 crore
ICICI HFC
Apply- Interest Rate
- 08.50% to 9.50%
- Processing Fee
- 0.75% to 1% + GST
- Loan Amount
- 10 lakh to 2 crore
Rates are indicative and lender-provided; they vary by profile, amount and tenure. PakkaLoan does not lend directly.
Eligibility & documents
Check that you meet the criteria and keep these documents handy for a faster approval.
Eligibility criteria
- Age: Above 21 years at commencement, up to 65 years or less at loan maturity
- Age: Salaried Person - 21 years to 58 years
- Age: Self-Employed Person - 25 years to 65 years
- Income: Salaried Person - Minimum Rs. 10,000 per month
- Income: Self-Employed Person - Minimum Rs. 2,00,000 per year
- Employment: Salaried Person - Minimum 2 to 3 years of Experience in MNC, a Private or Public Limited Company Or any Government organization.
- Employment: Self-Employed Person - Minimum 3 years of Experience in the current field
- Credit Score: A credit score of 750 is considered a good score for approval.
Documents required
- Salaried Individuals
- Form 16, Identity Card, 3-Month Salary Slip; 6-Month Bank Account Statement, Employment Proof
- Self-Employed Individuals
- PAN, Trade License, Partnership Deed; Memorandum of Association, Import Export Code, SEBI/RCO Registration; Audited Financial Statements, 6-Month Bank Statement; Certificates for specific professions, Business Address Proof
- Documents Required from all Non-Resident Indians (NRIs)
- Valid Passport, Visa, Overseas Address Proof; Employment Letter/Contract, NRE/NRO Bank Statements; Income/Employment Proof if self-employed, Power of Attorney
- Other Documents
- Sale Deed, Stamped Agreement, No Objection Certificate; Possession Certificate, Land Tax Receipt, Construction Estimate; Payment Receipts, Share Certificate for resale, Occupancy Certificate
Fees & charges
The fees and charges usually vary from lender to lender and from case to case.
| Particulars | Charges |
|---|---|
| Loan Processing Fees | 0.5% to 4% of Loan Amount |
| Loan Cancellation | Usually 3000 to 5% of Loan Amount |
| Stamp Duty Charges | As per the Value of the Property and State Tax |
| Legal Fees | As per actual |
| Penal Charges | Usually 2% per month |
| EMI / Cheque Bounce | Approx 499/- to 599/- |
Loan Processing Fees
0.5% to 4% of Loan Amount
Loan Cancellation
Usually 3000 to 5% of Loan Amount
Stamp Duty Charges
As per the Value of the Property and State Tax
Legal Fees
As per actual
Penal Charges
Usually 2% per month
EMI / Cheque Bounce
Approx 499/- to 599/-
Estimate your home loan EMI
Seeded with indicative home loan terms. Adjust the amount, rate and tenure to see your monthly instalment and total interest.
Home Loan EMI calculator
Drag the sliders to estimate your monthly instalment, total interest and total amount payable. Figures are indicative.
- Principal83%
- Interest17%
Monthly EMI
₹15,05,282
over 60 monthly installments
Principal amount
₹7,53,00,000
Total interest
₹1,50,16,911
16.6% of total payment
Total payable
₹9,03,16,911
principal + interest
Checking offers won't affect your credit score.
Home Loan FAQs
Common questions about home loan eligibility, rates, tenure and repayment.
A home loan is a type of secured loan that enables individuals to purchase a property or home. It involves borrowing a lump sum from a lender, such as a bank or financial institution, and repaying the loan in fixed monthly installments over an agreed-upon term.
Eligibility criteria for home loans can vary by lender, but typically include factors such as age, income, credit score, employment stability, and the value of the property. Lenders evaluate these aspects to determine the borrower's ability to repay the loan and assess the overall risk.
Home loan tenures typically range from 5 to 30 years, depending on the borrower's preference and the lender's policy. Longer tenures result in smaller monthly payments but more interest paid over time.
A fixed interest rate remains constant throughout the loan tenure, while a floating interest rate can change based on market conditions, leading to fluctuations in monthly payments.
Home loan borrowers can avail tax benefits on both the principal and interest portions under Sections 80C and 24(b) of the Income Tax Act, respectively, subject to the limits specified by the government.
If you fail to repay your home loan, the lender has the right to auction or sell the property to recover the loan amount. This is because a home loan is a secured loan, and the property serves as collateral.
Yes, most lenders allow prepayments towards your home loan. Prepaying can help reduce the outstanding principal and, in turn, lower the total interest paid over the loan tenure. However, some lenders may charge a prepayment penalty, so it's advisable to check the terms of your loan agreement.
Yes, you can transfer your existing home loan to another lender through a process called home loan balance transfer. This is usually done to take advantage of lower interest rates offered by other lenders.
Other loans you can compare
One application opens offers across every product. Find the one that fits.
- from 10.25%View Personal Loan
Personal Loan
Unsecured funds up to ₹75 Lakhs — minimal docs, quick disbursal.
- from 12%View Business Loan
Business Loan
Collateral-free funding up to ₹75 Lakhs, disbursed in 5–7 days.
- from 9%View Working Capital Loan
Working Capital Loan
Secured limits to run daily operations — rates from 9%, LTV up to 100%.
- from 7.8%View Loan Against Property
Loan Against Property
Unlock 60–70% of your property's value at low rates from 7.8%.
- from 9.5%View Debt Restructuring
Debt Restructuring
Reorganise existing loans — lower rates, longer tenure, avoid default.
- from 10%View Biomedical Equipment Loan
Biomedical Equipment Loan
MSME quick loans up to ₹50 Lakhs for lab & medical equipment.
Apply for your Home Loan today
One application, multiple lenders. Compare offers and pick the best — checking won’t affect your credit score.