Home Loan
Affordable home finance with attractive rates, long tenures and doorstep service.
- Interest Rate
- 8.35% p.a. onwards
- Loan Amount
- Up to ₹5 Cr
- Tenure
- Up to 30 years
- Tax Benefit
- Up to ₹3.5 L/yr
Your home loan is likely the largest financial commitment of your life — a 0.25% rate difference can save several lakhs over the tenure. We compare offers across major banks and housing finance companies, negotiate rates on your behalf, and manage the property-verification paperwork end-to-end.
Compare home loan offers
Same application, every lender compared. We negotiate on your behalf and route your file to the bank most likely to approve it at the best rate.
Showing 4 of 4 offers, best rate highlighted.
| Lender | Rate (p.a.) | Max amount | Tenure | Processing fee | Actions |
|---|---|---|---|---|---|
State Bank of India Best rate | 7.50% onwards7.50% – 8.70% p.a. | Up to ₹2 Crore | Up to 30 years | 0.35% (min ₹2,000, max ₹10,000) | |
ICICI Bank | 7.65% onwards7.65% – 10.05% p.a. | ₹5 Lakh – ₹15 Crore | Up to 30 years | 0.50% – 2% of loan amount | |
HDFC Bank | 8.20% onwards8.20% – 9.85% p.a. | ₹10 Lakh – ₹10 Crore | Up to 30 years | Up to 0.50% (min ₹3,000) | |
Axis Bank | 8.35% onwards8.35% – 9.35% p.a. | ₹5 Lakh – ₹5 Crore | Up to 30 years | Up to 1% (min ₹10,000) |
Rates, fees and eligibility are indicative, vary by applicant profile and lender policy, and are confirmed at the time of sanction. Vridhee Finsol is a distributor — sanction rests solely with the bank.
Features & benefits
- Finance up to 90% of property value (per LTV norms)
- Balance-transfer facility to move an existing loan to a lower rate
- Part-prepayment allowed with zero charges on floating rates
- Doorstep document pickup and dedicated file manager
- Tax benefits under Sections 80C and 24(b)
- Options for salaried, self-employed and NRI applicants
Eligibility
- Age between 21 and 65 years
- Minimum monthly income of ₹30,000
- Credit score of 700+ for best rates
- Stable employment or business history
Documents required
- Identity and address proof (PAN, Aadhaar)
- Last 6 months' salary slips or 2 years' ITR (self-employed)
- Last 6 months' bank statements
- Property documents — agreement, chain of title, approved plan
How it works
- 1
Apply online or on a call — 2 minutes
- 2
We compare offers across 8+ banks for your profile
- 3
Choose your best offer; we handle documentation
- 4
Sanction and disbursal — most files in 24–48 hours
Estimate your EMI
Monthly EMI
₹21,494
- Principal
- ₹10,00,000
- Total interest
- ₹2,89,634
- Total payable
- ₹12,89,634
Frequently asked questions
How much home loan am I eligible for?
Banks generally allow total EMIs up to 50–60% of your net monthly income. On a ₹1 lakh monthly income with no other loans, that supports roughly ₹60–70 lakhs over 25 years. Our eligibility checker gives you a personalised estimate in a minute.
Fixed or floating rate — which is better?
Floating rates are lower today and carry zero foreclosure charges, so most borrowers choose floating. Fixed makes sense only if you expect rates to rise sharply and value EMI certainty.
Can I transfer my existing home loan to a lower rate?
Yes — if your current rate is 0.5% or more above market, a balance transfer usually pays for itself within months. We handle the entire takeover process including the new bank's legal and valuation checks.
What tax benefits do I get?
Up to ₹1.5 lakhs on principal repayment under Section 80C and up to ₹2 lakhs on interest under Section 24(b) each financial year, under the old tax regime — a combined benefit of up to ₹3.5 lakhs.