Property Loan

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Home Loan

Home Renovation Loan

Funding repairs and improvements at property-loan rates rather than personal-loan rates.

Rates far below an unsecured personal loan for the same work
Tenure up to fifteen years, keeping the EMI modest
Interest deductible under Section 24(b) for a self-occupied property, within limits

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Home Loan Transfer

Moving a home loan to a cheaper lender — where the arithmetic usually works, unlike on shorter loans.

A lower rate saves a large amount across a long remaining tenure
Tenure can be shortened at the same time, saving more
Top-up borrowing frequently available alongside the transfer

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Plan Today. Own Tomorrow.

Why Property Loan?

The lowest interest rate available on any retail borrowing
Tenure up to thirty years, which keeps the EMI manageable
Section 80C on principal and Section 24(b) on interest, under the old regime
No prepayment penalty on floating-rate loans to individuals
Balance transfer available if rates move against you

More than Loans A Partner for Life

What's Included?

Purchase of a ready or under-construction property
Registration and stamp duty, at some lenders and within limits
Cost of a parking space, where part of the sale agreement
Payment to the builder in construction-linked stages
Purchase from a resale seller against the sale deed

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Things to Keep in Mind

Down payment — the margin you contribute, typically 10 to 25 per cent
Processing, legal, technical and documentation charges
Interiors, furnishing and fit-out
Brokerage and society transfer charges
Property maintenance and society outgoings
Any amount above the lender's valuation of the property

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Compare Popular Loans

Plan	Home Loan	Home Renovation Loan	Home Loan Transfer	Loan Against Property
Best for	Own your home	Upgrade your space	Switch & save	Unlock your equity
Interest from*	8.35%	9%	8.4%	9.5%
Rating	4.7	4.2	4.5	4.2
Details	View	View	View	View

*Indicative starting figures; the final terms depend on your profile.

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Frequently Asked Questions

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Should I take the longest tenure available?

Only if you need to. A longer tenure reduces the EMI and increases total interest substantially — sometimes by more than the original loan amount. A useful approach is to take the longer tenure for safety and then prepay aggressively, which gives you flexibility without the cost.

How much does prepaying early actually save?

A great deal, because interest is front-loaded. In the first years most of your EMI is interest, so a prepayment then removes years of future interest. One extra EMI a year can shorten a twenty-year loan by three to four years.

Is a fixed or floating rate better?

Floating, for almost all borrowers. Fixed-rate home loans in India are usually fixed only for an initial period, are priced above floating, and can carry prepayment penalties that floating loans cannot. The rate certainty is rarely worth what it costs.

Do I have to buy insurance from the lender?

No. Loan protection cover is frequently bundled into the disbursal and is rarely competitive. You are entitled to buy a term plan separately for the loan amount, and doing so is usually cheaper and gives better cover.

What tax benefit do I actually get?

Under the old regime, principal repayment counts within the Section 80C limit and interest is deductible under Section 24(b), subject to the applicable ceiling for a self-occupied property. Under the new regime these are not available, so run our income tax calculator before assuming the benefit applies to you.

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