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
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- 20+ Banks & NBFCs
- Loan products
- 6 Loan products
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- To compare offers
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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
- 20+ 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
Competitive rates starting from 7.4% p.a. (lender-dependent)
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
Not sure which offer fits?
Get a free, no-obligation callback from a loan expert who can compare home loan offers across our partnered banks and NBFCs and help you pick the right one. We forward your enquiry to a lending partner — we don't lend or decide approvals ourselves.
Request a callback
Leave your name and number and a loan expert will call you back to walk you through your home loan options. No obligation.
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.
Understanding your home loan
Plain-English context to help you compare offers with confidence. General guidance only — your final terms are always set by the lender on approval.
How your home-loan EMI is split
Every EMI you pay is part interest and part principal. In the early years a larger share goes towards interest and only a small part reduces the outstanding amount; this gradually reverses as the balance falls. Because the interest is charged on the reducing balance, the longer your tenure, the more total interest you pay even if the monthly EMI looks smaller. Use the EMI calculator above to see how the amount, rate and tenure interact before you apply.
What shapes the rate you're offered
The rates shown in the comparison table are indicative ranges; the figure an individual borrower actually gets depends on factors each lender weighs differently. These commonly include your credit history, income stability, existing obligations, loan-to-value ratio and whether the rate is fixed or floating. Strengthening these before you apply can improve the offer, but the final rate is always set by the lender, not by PakkaLoan.
Loan-to-value and your down payment
Lenders fund a percentage of a property's value rather than the full cost, so you contribute the remaining share as a down payment. A larger down payment means a smaller loan, a lower EMI and less interest over the life of the loan. The exact loan-to-value a lender will sanction depends on the property, your profile and the lender's own policy, so treat any percentage you see as a general guideline.
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.
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Important — please read
PakkaLoan is a digital loan-aggregation platform that helps users discover and apply for loan offers from partnered banks and NBFCs. PakkaLoan does not lend directly — final approval, interest rates and disbursal are determined solely by the respective lending partner. Loan offers are subject to standard credit-approval processes.
Home Loan interest rates, processing fees, eligibility and loan amounts shown are indicative, provided by partnered banks & NBFCs, and vary by your profile, amount and tenure. The EMI calculator gives an estimate only. PakkaLoan does not lend, charge borrowers a fee, guarantee approval, or pull your credit-bureau score; your details are shared with lending partners only with your consent.
Apply for your Home Loan today
One application, multiple lenders. Compare offers and pick the best — checking won’t affect your credit score.