Home Loans
starting at 7.00% p.a.
Compare 50+ banks at one place. Get the lowest rate.
Whether purchasing a new flat, resale property, building your home, or transferring your existing loan for a cheaper interest rate — get end-to-end doorstep paperwork assistance.
Check Home Loan Eligibility
Personalised offers in two minutes. No credit score impact.
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Families Supported
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50+ Partner Banks & Housing Finance Institutions
Access lowest interest rates, zero processing fee deals, and fast-track approvals across India's top lenders.
Compare 50+ home loan offers.
Updated interest rates from leading private, public banks, and HFCs.
Central Bank of India
RBI-regulated · Direct lender
Interest
7.00% p.a.
Processing fee
0.50% + GST
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
Bank of Baroda
RBI-regulated · Direct lender
Interest
7.30% p.a.
Processing fee
₹11,800
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
HDFC Bank
RBI-regulated · Direct lender
Interest
7.20% p.a.
Processing fee
Waived
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
ICICI Bank
RBI-regulated · Direct lender
Interest
7.50% p.a.
Processing fee
₹5,000 + GST
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
ICICI HFC
RBI-regulated · Direct lender
Interest
7.30% p.a.
Processing fee
₹10,000 + GST
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
Piramal Finance
RBI-regulated · Direct lender
Interest
9.99% p.a.
Processing fee
As per bank policy
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
L&T Housing Finance
RBI-regulated · Direct lender
Interest
7.80% p.a.
Processing fee
₹10,000 + GST
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
SBI
RBI-regulated · Direct lender
Interest
7.25% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
LIC HFL
RBI-regulated · Direct lender
Interest
7.15% p.a.
Processing fee
0.25% + GST
Amount
₹10 L – ₹15 Cr
Tenure
60–360 months
PNB
RBI-regulated · Direct lender
Interest
7.25% p.a.
Processing fee
Waived
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
Bank of India
RBI-regulated · Direct lender
Interest
7.10% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
Union Bank of India
RBI-regulated · Direct lender
Interest
7.10% p.a.
Processing fee
₹17,700 + GST
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
UCO Bank
RBI-regulated · Direct lender
Interest
7.15% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
Indian Bank
RBI-regulated · Direct lender
Interest
7.15% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
Canara Bank
RBI-regulated · Direct lender
Interest
7.15% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
Bajaj Housing Finance
RBI-regulated · Direct lender
Interest
7.20% p.a.
Processing fee
₹10,000 + GST
Amount
₹10 L – ₹15 Cr
Tenure
60–360 months
South Indian Bank
RBI-regulated · Direct lender
Interest
7.20% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
Karnataka Bank
RBI-regulated · Direct lender
Interest
7.30% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Axis Bank
RBI-regulated · Direct lender
Interest
7.35% p.a.
Processing fee
₹10,000 + GST
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
Federal Bank
RBI-regulated · Direct lender
Interest
7.35% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
IDBI Bank
RBI-regulated · Direct lender
Interest
7.35% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
Indian Overseas Bank
RBI-regulated · Direct lender
Interest
7.35% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
J&K Bank
RBI-regulated · Direct lender
Interest
7.35% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
City Union Bank
RBI-regulated · Direct lender
Interest
7.45% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Kotak Mahindra
RBI-regulated · Direct lender
Interest
7.70% p.a.
Processing fee
0.30% or ₹10,000+GST
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
IDFC First Bank
RBI-regulated · Direct lender
Interest
7.80% p.a.
Processing fee
Up to 1% + GST
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
Godrej Housing Finance
RBI-regulated · Direct lender
Interest
7.75% p.a.
Processing fee
₹10,000 + GST
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
PNB Housing Finance
RBI-regulated · Direct lender
Interest
8.10% p.a.
Processing fee
₹7,000–₹10,000 + GST
Amount
₹8 L – ₹15 Cr
Tenure
60–360 months
Jio Finance
RBI-regulated · Direct lender
Interest
8.20% p.a.
Processing fee
As per bank policy
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
Mahindra Home Finance
RBI-regulated · Direct lender
Interest
8.35% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Samman Capital
RBI-regulated · Direct lender
Interest
8.75% p.a.
Processing fee
0.75% + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Navi Finserv
RBI-regulated · Direct lender
Interest
8.45% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Karur Vysya Bank
RBI-regulated · Direct lender
Interest
8.50% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Deutsche Bank
RBI-regulated · Direct lender
Interest
8.75% p.a.
Processing fee
₹15,000 + GST
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
Ujjivan Small Finance
RBI-regulated · Direct lender
Interest
8.75% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
YES Bank
RBI-regulated · Direct lender
Interest
9.00% p.a.
Processing fee
₹15,000 + GST
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
Poonawala Fincorp
RBI-regulated · Direct lender
Interest
9.00% p.a.
Processing fee
₹15,000 + GST
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
RBL Bank
RBI-regulated · Direct lender
Interest
9.00% p.a.
Processing fee
₹15,000 + GST
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
CSB Bank
RBI-regulated · Direct lender
Interest
9.10% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
IIFL
RBI-regulated · Direct lender
Interest
8.60% p.a.
Processing fee
0.50% + GST
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
IndusInd Bank
RBI-regulated · Direct lender
Interest
8.60% p.a.
Processing fee
₹15,000 + GST
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
Truhome Finance
RBI-regulated · Direct lender
Interest
9.50% p.a.
Processing fee
1% + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
SMFG India Credit
RBI-regulated · Direct lender
Interest
9.50% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Cholamandalam Finance
RBI-regulated · Direct lender
Interest
9.50% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Hero Housing Finance
RBI-regulated · Direct lender
Interest
9.50% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
AU Small Finance Bank
RBI-regulated · Direct lender
Interest
10.00% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Sundaram Home Finance
RBI-regulated · Direct lender
Interest
10.00% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Equitas Small Finance
RBI-regulated · Direct lender
Interest
10.49% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Easy Home Finance
RBI-regulated · Direct lender
Interest
10.50% p.a.
Processing fee
₹10,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Aditya Birla Housing
RBI-regulated · Direct lender
Interest
10.50% p.a.
Processing fee
0.75% + GST
Amount
₹5 L – ₹10 Cr
Tenure
60–360 months
Aavas Financiers
RBI-regulated · Direct lender
Interest
10.50% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
DCB Bank
RBI-regulated · Direct lender
Interest
10.50% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Motilal Oswal Home Fin
RBI-regulated · Direct lender
Interest
11.75% p.a.
Processing fee
₹15,000 + GST
Amount
₹10 L – ₹10 Cr
Tenure
60–360 months
DMI Housing Finance
RBI-regulated · Direct lender
Interest
13.99% p.a.
Processing fee
₹15,000 + GST
Amount
₹5 L – ₹5 Cr
Tenure
60–360 months
Why Homebuyers Choose Us
Compare between 50+ banks at one place through a single integrated workflow instead of visiting multiple individual lenders.
Compare 50+ Banks
Compare between 50+ banks at one place — top public, private lenders, and HFCs through a single integrated platform.
Dedicated Advisors
Work with an experienced advisor who guides you through property evaluation, document coordination, and lender matching.
100% Transparent Process
Receive clear termsheets with no hidden advisory charges, brokerage, or unexpected deductions.
Accelerated Disbursal
Save weeks of turnaround time with property verification checks and fast-tracked partner lender escalations.
Smart Profile Matching
Different banks look at profiles differently. We map your income and obligations to lenders with the highest sanction probability.
End-to-End Coordination
From property evaluation, legal verification, paper coordination to the final disbursal, our team coordinates it all.
How It Works
A transparent, connected timeline guiding your application from eligibility check to home loan disbursal.
Submit Your Requirement
Share basic details and property information via our 2-minute secure form.
Expert Consultation
Our relationship manager analyzes your income, obligations, and property details.
Lender Comparison
Shortlist matching offers from 50+ banking and HFC partners based on your profile.
Documentation & Disbursal
Complete property verification, legal checks, and secure swift funding disbursal.
Nidhivriddhi's home loan experts guide you from property search to key handover
Talk to a real expert on WhatsApp or by phone. No sales pressure, just straight answers on your home loan queries.
Home Loan Variants
Explore the different ways a home loan can help you achieve your property goals.
New Home Purchase
Buy your dream apartment or independent house from a builder or developer.
Resale Property
Purchase a pre-owned residential property with full legal verification support.
Under Construction
Finance an under-construction property with stage-wise disbursal linked to builder milestones.
Home Renovation
Upgrade interiors, repair structural elements, or modernize your existing home.
Plot + Construction
Buy a plot and construct your house with a composite home loan structure.
Balance Transfer
Transfer your existing home loan to a lower interest rate lender and save lakhs.
Top-Up Loan
Get additional funds on your running home loan for any personal or property-related need.
NRI Home Loan
Purchase property in India while staying abroad with dedicated NRI home loan processing.
Eligibility Criteria
Key requirements for salaried, self-employed, and NRI applicants.
Note: Up to 90% property value financing available with flexible tenure up to 30 years, pre-approved sanction limits, and zero prepayment charges on floating rates.
Documentation Checklist
Documents needed for instant sanction approval.
Identity & Address KYC
PAN Card, Aadhaar Card & Current Address Proof
Income Documentation
3 Months Salary Slips & Form 16 / 2 Yrs ITR
Banking Statements
6 Months Salary Account Bank Statement
Property Documents
Allotment Letter, Sale Agreement & Title Deeds
Home Loan EMI Calculator
Calculate your home loan EMI before applying. Toggle values below to understand potential EMIs and structure your loan tenure correctly.
Loan Parameters
Homeowners We've Empowered
Real stories of Karnataka families securing their dream homes and saving lakhs through low-rate balance transfers.
"Transferred existing high-rate home loan to a leading PSU bank, saving ₹28 Lakhs in cumulative interest across an 18-year tenure."
Ananya & Vikram Rao
Residential Apartment, Whitefield, Bengaluru
₹1.45 Crores Sanctioned
"Fast-tracked legal title search and technical valuation for our Mysuru property. Sanctioned and disbursed within 6 business days."
Praveen Kulkarni
Independent Villa, Vijayanagar, Mysuru
₹92 Lakhs Sanctioned
"Got a competitive 7.10% floating rate with customized construction-linked disbursal for our coastal apartment."
Suresh & Deepa Hegde
Gated Community Flat, Kadri, Mangaluru
₹1.15 Crores Sanctioned
"Transparent processing with zero hidden fees. Smooth end-to-end guidance from municipal plan sanction to final composite disbursal."
Basavaraj Patil
Plot & Construction, Vidyanagar, Hubballi
₹68 Lakhs Sanctioned
"Our advisor compared offers from 6 lenders and secured a waiver on processing fees with flexible step-up EMI terms."
Vinay & Pooja Shetty
Row House, Kuvempunagar, Shivamogga
₹54 Lakhs Sanctioned
"As a medical practitioner, income assessment was seamless with minimal documentation. Disbursal completed in under 10 days."
Dr. Raghavendra Rao
Custom Villa, Tilakwadi, Belagavi
₹1.35 Crores Sanctioned
"Transferred existing high-rate home loan to a leading PSU bank, saving ₹28 Lakhs in cumulative interest across an 18-year tenure."
Ananya & Vikram Rao
Residential Apartment, Whitefield, Bengaluru
₹1.45 Crores Sanctioned
"Fast-tracked legal title search and technical valuation for our Mysuru property. Sanctioned and disbursed within 6 business days."
Praveen Kulkarni
Independent Villa, Vijayanagar, Mysuru
₹92 Lakhs Sanctioned
"Got a competitive 7.10% floating rate with customized construction-linked disbursal for our coastal apartment."
Suresh & Deepa Hegde
Gated Community Flat, Kadri, Mangaluru
₹1.15 Crores Sanctioned
"Transparent processing with zero hidden fees. Smooth end-to-end guidance from municipal plan sanction to final composite disbursal."
Basavaraj Patil
Plot & Construction, Vidyanagar, Hubballi
₹68 Lakhs Sanctioned
"Our advisor compared offers from 6 lenders and secured a waiver on processing fees with flexible step-up EMI terms."
Vinay & Pooja Shetty
Row House, Kuvempunagar, Shivamogga
₹54 Lakhs Sanctioned
"As a medical practitioner, income assessment was seamless with minimal documentation. Disbursal completed in under 10 days."
Dr. Raghavendra Rao
Custom Villa, Tilakwadi, Belagavi
₹1.35 Crores Sanctioned
Frequently Asked Questions
Have questions about our home loan process, property verification, or lending partners? Explore common answers here or connect with our relationship managers.
Let's Find the Right Home Loan for Your Dream Home
Speak with our home loan specialists and compare between 50+ banks at one place to secure the best rate for your profile.