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  • Top Banks & HFCs Offering Lowest Home Loan Interest Rates in India

  • Home Purchase Loan

  • Composite Loan

  • Home Construction Loan

  • Home Renovation/Improvement Loan

  • Home Extension Loan

  • Bridge Loan

  • Interest Saver Loan

  • Step Up Loan

  • Age: Minimum 18 years & Maximum up to 70 years
  • Credit Score: 750 or above
  • Salary: Min. Rs. 15,000 per month for salaried customers
  • Income: Min. Rs. 5 lakh annual for self-employed customers
  • Employment Stability: At least 2 years with Min. 1 year in the same profession & Min. 2 years for self-employed professionals
  • Employment Type: Salaried employees working with reputed organizations, MNCs, Private and Public Limited Companies, Govt. organizations, PSUs, and large enterprises
  • Loan Amount: Up to 90% of property valueApart from these, your home loan eligibility also depends on the property you are buying and the location of the property.


  • Identity Proof: Passport/PAN Card/ Voter’s ID/ Aadhaar Card/ Driving License
  • Address Proof: Passport/ Aadhaar Card/ Lease/ Property purchase Agreement/ Utility Bills (not more than 3 months old)/ Passport/ Driving License
  • Income Proof For Salaried Individuals: Salary Slips/ Bank Account Statement/ Form 16
  • Income Proof For Self-employed Professionals: Previous Years’ ITR/ P&L Statement and Balance Sheet/ Bank Account Statement
  • Business Proof For Self-employed Individuals: Business Incorporation Certificate/ Professional Degree/ Certificate of Practice/ Partnership Deed/ GST Registration and Filing Documents/ MOA & AOA/ Shop Act License
  • Property-related Documents: NOC from Society/Builder, detailed estimate of the cost of construction of the house, registered sale deed, allotment letter, and an approved copy of the building plan

  • The fees and charges of personal loans usually vary from lender to lender and case to case. Some of the common fees and charges related to personal loans are as follows:

  • Loan Processing Fees
  • Pre-payment/part-payment or Foreclosure charges
  • Verification charges
  • Loan Cancellation or Rebooking charges
  • Documentation Fees & Stamp Duty
  • Legal and Penal charges
  • Duplicate statement, NOC certificate, EMI/Cheque Bounce, Swap and late fees, etc.

  • Lenders Interest Rates (p.a.) Processing Fees* (Rs.)
    Kotak Mahindra Bank Ltd 11.00% - 12.00% Up to 1.5%
    Axis Bank Limited 11.25% - 12.00% Up to 1.5%
    ICICI BANK LIMITED 13.35% - 16.75% Up to 1.5%
    HDFC Bank Limited 15.40% - 17.30% Up to 1.5%

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    Bankhelpline is an online platform that provides our customers with financial products and services such as personal loans, unsecured loans, installment loans and credit cards. We connect borrowers with lenders to help them get the best deal possible.

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