Shreem Finserv - Your Financial Growth Partner
callApply
Home Loan

Your Dream Home with
Home Loan

Loan amount | Quick Disbursal | Flexible EMI

Home>Home Loan>Overview

Home Loan Overview

Affordable home purchase, plot construction, and balance transfer loans at the lowest market rates starting from 7.25% p.a., extended tenures up to 30 years, and maximum tax benefits.

Home Loan Interest Rates & Key Details
Interest RatesFrom 7.25% p.a.
Loan Amount₹10L – ₹5Cr
Maximum TenureUp to 30 Years
Disbursal Turnaround3 to 5 Working Days
Upfront ChargesZero Advance Cash Fees
verifiedAuthorized Lending Bank PartnersInstant Sanction Desks
State Bank of India
SBIStarting 7.25% p.a.
Punjab National Bank
PNBStarting 7.25% p.a.
Canara Bank
Canara BankStarting 7.25% p.a.
Indian Bank
Indian BankStarting 7.25% p.a.
Bank of Baroda
Bank of BarodaStarting 8.60% p.a.
HDFC Bank
HDFC BankStarting 8.75% p.a.
ICICI Bank
ICICI BankStarting 8.90% p.a.
Axis Bank
Axis BankStarting 9.25% p.a.
Direct Disbursal Channel

Apply for Home Loan

Compare instant quotes across 50+ banks with zero upfront charges.

+91
₹50,00,000
₹10,00,000₹5,00,00,000
speed
Estimated EMI (~5 Yrs)₹1,07,470 /mo
Sanction SLAWithin 24 Hours
lock256-Bit SSL•verified_userDPDP Compliant•money_offZero Upfront Fee

Authorized Co-Lending Network With 50+ Scheduled Banks & Premier NBFCs

HDFC Bank
HDFC Bank
Starting 8.75% p.a.
State Bank of India
State Bank of India
Starting 7.25% p.a.
Punjab National Bank
Punjab National Bank
Starting 7.25% p.a.
Canara Bank
Canara Bank
Starting 7.25% p.a.
Indian Bank
Indian Bank
Starting 7.25% p.a.
ICICI Bank
ICICI Bank
Starting 8.90% p.a.
Axis Bank
Axis Bank
Starting 9.25% p.a.
Kotak Mahindra Bank
Kotak Mahindra Bank
Starting 8.50% p.a.
IDFC FIRST Bank
IDFC FIRST Bank
Starting 9.75% p.a.
Tata Capital
Tata Capital
Starting 9.99% p.a.
Bajaj Finserv
Bajaj Finserv
Starting 10.50% p.a.
Piramal Finance
Piramal Finance
Starting 9.40% p.a.
L&T Finance
L&T Finance
Starting 10.25% p.a.
IndusInd Bank
IndusInd Bank
Starting 9.40% p.a.
Bank of Baroda
Bank of Baroda
Starting 8.60% p.a.
Poonawalla Fincorp
Poonawalla Fincorp
Starting 9.99% p.a.
HDFC Bank
HDFC Bank
Starting 8.75% p.a.
State Bank of India
State Bank of India
Starting 7.25% p.a.
Punjab National Bank
Punjab National Bank
Starting 7.25% p.a.
Canara Bank
Canara Bank
Starting 7.25% p.a.
Indian Bank
Indian Bank
Starting 7.25% p.a.
ICICI Bank
ICICI Bank
Starting 8.90% p.a.
Axis Bank
Axis Bank
Starting 9.25% p.a.
Kotak Mahindra Bank
Kotak Mahindra Bank
Starting 8.50% p.a.
IDFC FIRST Bank
IDFC FIRST Bank
Starting 9.75% p.a.
Tata Capital
Tata Capital
Starting 9.99% p.a.
Bajaj Finserv
Bajaj Finserv
Starting 10.50% p.a.
Piramal Finance
Piramal Finance
Starting 9.40% p.a.
L&T Finance
L&T Finance
Starting 10.25% p.a.
IndusInd Bank
IndusInd Bank
Starting 9.40% p.a.
Bank of Baroda
Bank of Baroda
Starting 8.60% p.a.
Poonawalla Fincorp
Poonawalla Fincorp
Starting 9.99% p.a.
auto_awesomeKey Advantages

Home Loan Features & Benefits

Key product features and underwriting advantages tailored for you.

percent
01

Lowest Market Interest Rates

Access competitive interest rates starting from 7.25% p.a. through India's premier banks including Canara Bank, Indian Bank, and PNB.

schedule
02

Flexible Long Repayment Tenure

Repayment tenures up to 30 years (360 months) ensuring budget-friendly monthly EMIs for your household.

pie_chart
03

Up to 90% Property Financing

High Loan-to-Value (LTV) funding based on the registered agreement value of the residential property.

receipt_long
04

Substantial Annual Tax Benefits

Claim tax deductions every year on principal repayment (Sec 80C up to ₹1.5L) and interest paid (Sec 24b up to ₹2L).

swap_horiz
05

Balance Transfer Facility

Transfer your existing home loan to premier lenders for lower interest rates and additional liquid top-up funds.

domain
06

New & Resale Properties

Financing available for newly built developer apartments, resale properties, plot purchase, and home extensions.

fact_checkFast-Track Verification

Eligibility & Documents Required

Minimal documentation with 100% digital verification.

how_to_reg

Eligibility Criteria

Basic qualifications to apply

  • check_circleAge Range: 21 to 65 years at loan maturity.
  • check_circleEmployment Status: Salaried Individuals (Govt, MNC, Corporate) or Self-Employed Professionals (Doctors, CAs, Traders) with stable income.
  • check_circleIncome Stability: Minimum monthly income of ₹25,000/month (Salaried) or ₹3.5 Lakhs annual ITR (Self-Employed).
  • check_circleCredit Profile: Minimum 700+ CIBIL score for lowest rate slabs.
  • check_circleProperty Criteria: Residential property meeting bank technical, structural, and legal clearance guidelines.
  • check_circleNationality: Indian Resident.
description

Documents Required

Simple digital paperless upload

  • task_altKYC Proof: PAN Card, Aadhaar Card, Passport, Voter ID, or Utility Bill.
  • task_altIncome Documents (Salaried): Last 3 Months Salary Slips, 6 Months Bank Statement, Form 16 / 2 Years ITR.
  • task_altIncome Documents (Self-Employed): Last 2–3 Years ITR with Computation of Income, Audited Balance Sheet & P&L, 12 Months Current Bank Statements, GST Certificate.
  • task_altBusiness & Entity Documents: GST R-3B Returns, MOA (Memorandum of Association), COI (Certificate of Incorporation), Partnership Deed, LOD (Letter of Disbursement), LOS (Letter of Sanction).
  • task_altProperty Documents: Agreement to Sell / Builder Allotment Letter, Mother Deed chain for 13–30 years, Approved Building Sanction Plan, Latest Paid Property Tax Receipts.
calculateInstant Financial Underwriting Tools

EMI Calculator for Home Loan

Simulate your monthly installment and total interest for Home Loan.

₹50,00,000
₹1 Lakh₹1 Crore₹5 Crore
7.25%
7.20%15.00%24.00%
20 Yrs (240 Mos)
1 Year5 Years10 Years20 Years
Estimated Monthly EMI
₹39,519/ month
Principal: 53%Interest: 47%
Principal Amount₹50,00,000
Total Interest₹44,84,560
Total Amount Payable₹94,84,560
20 Years Tenure
quizFAQs

Frequently Asked Questions

Home loan amounts range from ₹10 Lakhs up to ₹5 Crore (and higher for luxury homes), funding up to 80% to 90% of the property value.

Ready to Apply for Home Loan?

Get matched across 50+ premier banks & NBFCs with zero upfront fees and minimal paperwork.

callCallchatWhatsAppmanage_searchTrackboltApply