Unlock the Door to Your Dream Home.
Lowest interest rates starting @7.15%*. Compare offers from 50+ banks & HFCs with zero hidden charges.
Whether you're buying your first home, constructing on your own plot, or renovating — we connect you with the best financing options from India's leading lenders.
Home Loan Eligibility
Get instant quotes from top lenders at 7.25% p.a.
Limit Exceeded: Your max eligible EMI is roughly ₹25,000. Try increasing tenure or lowering loan amount.
5 Lakh+
Happy Homeowners
7.15%*
Lowest Rate
50+
Lending Partners
100+
Cities Covered
Why Homeowners Trust TatvaMoney
We don't just compare loans; we engineer the perfect financing solution for your life goals.
Lowest Interest Rates
Starting at 7.15% p.a. from top banks & HFCs, tailored to your credit profile.
Up to 90% LTV
Get funding up to 90% of the property value with minimal down payment.
30-Year Tenure
Flexible repayment options with tenures up to 30 years for lower EMIs.
Tax Benefits
Save up to ₹5L annually under Section 80C, 24(b) & 80EEA.
Tailored Loans for Everyone
Home Purchase
For buying a ready-to-move or under-construction property.
Construction
For constructing a house on a plot you own.
Renovation
For upgrading, painting, or repairing your existing home.
Extension
For adding extra rooms or floors to your current home.
Home Loan EMI Calculator
Estimate your monthly EMI and total repayment cost to plan your home purchase efficiently.
Home Loan EMI CalculatorInstant Estimate
Transparent Interest Rates. No Surprises.
Home loan rates vary based on your credit score, income profile, loan amount, and property type. A CIBIL score of 750+ can help you unlock the lowest slab starting at 7.15% p.a.
We compare rates across public sector banks, private banks, and housing finance companies to ensure you get the most competitive deal. Our platform factors in processing fees, prepayment charges, and hidden costs to show you the true cost of borrowing.
New RBI Rule (Jan 2026): Banks can no longer charge prepayment penalties on floating-rate home loans. You can partially or fully prepay at any time with zero penalty.
Get Your Best RateStarting From
per annum*
Compare Home Loan Rates — March 2026
Latest interest rates from India's top banks & housing finance companies.
| Bank / HFC | Interest Rate | EMI / Lakh* | Max Tenure | Action |
|---|---|---|---|---|
State Bank of IndiaPublic Sector Bank | 7.25% - 8.70% | ₹4,449 | 30 Years | Check Offer |
Bank of BarodaPublic Sector Bank | 7.20% - 8.90% | ₹4,430 | 30 Years | Check Offer |
Punjab National BankPublic Sector Bank | 7.20% - 9.10% | ₹4,430 | 30 Years | Check Offer |
HDFC BankPrivate Bank | 7.75% - 9.65% | ₹4,641 | 30 Years | Check Offer |
ICICI BankPrivate Bank | 7.45% - 9.80% | ₹4,525 | 30 Years | Check Offer |
Kotak Mahindra BankPrivate Bank | 7.70% - 9.40% | ₹4,622 | 20 Years | Check Offer |
Axis BankPrivate Bank | 8.00% - 11.90% | ₹4,740 | 30 Years | Check Offer |
LIC Housing FinanceHFC | 7.15% - 9.50% | ₹4,411 | 30 Years | Check Offer |
Bajaj Housing FinanceHFC | 7.15% - 9.80% | ₹4,411 | 30 Years | Check Offer |
Tata Capital HousingHFC | 7.50% - 9.75% | ₹4,545 | 30 Years | Check Offer |
*EMI per lakh calculated for 20-year tenure at the lowest rate offered. Actual rates depend on your credit profile, loan amount & property type. Rates sourced from official bank websites as of March 2026.
Home Loan Eligibility Criteria
General eligibility parameters followed by most banks & HFCs.
| Age | 21 - 65 years (at loan maturity) |
| Employment | Salaried, Self-Employed, Professional, Business Owner |
| Min Income (Salaried) | ₹25,000 / month |
| Min Income (Self-Employed) | ₹2.5 Lakh / year (ITR) |
| CIBIL Score | 700+ (750+ for best rates) |
| Work Experience | Min 2 years (1 year with current employer) |
| Business Vintage | Min 3 years (for self-employed) |
| Property Type | Residential — Ready, Under Construction, Plot + Construction |
| LTV Ratio | Up to 90% (for loans up to ₹30L), 80% (₹30L-75L), 75% (above ₹75L) |
| Max Loan Amount | Up to ₹10 Crore (varies by lender) |
| Max Tenure | Up to 30 years |
| Nationality | Indian Resident / NRI |
Fees & Charges
Understand all costs before you apply.
Processing Fee
0.25% - 1%
Of loan amount + GST
Prepayment Penalty
NIL
Zero on floating rate (RBI mandate)
Legal & Technical
₹5,000 - ₹15,000
Property verification charges
Stamp Duty
As per State
Varies 3% - 8% of property value
Required Documents
Keep these handy to speed up your loan application process.
Property Documents (All Applicants)
- Sale Agreement / Allotment Letter
- Title Deed & Chain of Documents
- Approved Building Plan
- Encumbrance Certificate
- Property Tax Receipts
- KYC Documents (Aadhaar Card / PAN Card / Passport)
- Last 3 Months Salary Slips
- Last 6 Months Bank Statement (Salary Account)
- Form 16 / ITR for the last 2 years
- Proof of Employment (ID Card / Appointment Letter / Offer Letter)
- Address Proof (Utility Bill / Aadhaar / Passport)
- Passport-size Photographs (2 copies)
Apply for Home Loan in Top Cities
We serve borrowers across India with local expertise and pan-India lender network.
Simple 5-Step Journey
From application to keys in hand — 100% digital process.
Apply Online
Fill basic details & upload KYC
Upload Docs
Submit income & property docs
Verification
Credit, income & property check
Lender Approval
Receive loan approval letter from the bank
Disbursal
Funds transferred to seller
What Our Customers Say
Real stories from homeowners who found their dream home through TatvaMoney.
"Got my home loan approved at 7.45% from ICICI Bank within 3 days. The TatvaMoney team compared 8 banks for me and found the best deal. Saved over ₹3 lakhs in interest!"
Rajesh Sharma
Mumbai
"As a first-time homebuyer, I was overwhelmed. TatvaMoney simplified everything — from eligibility check to final disbursal. My SBI loan was sanctioned in 48 hours!"
Priya Kulkarni
Pune
"I got a pre-approved offer at 7.25% through TatvaMoney which even my bank couldn't match. The zero processing fee offer during the festive season was a bonus."
Amit Patel
Bangalore
Stop Waiting. Start Living.
Join thousands of Indians who found their dream home with TatvaMoney. Compare rates from 50+ lenders in 2 minutes.