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Sammaan Capital Home Loan

Sammaan Capital Limited (formerly known as Indiabulls Housing Finance Limited) offers home loans starting @ 8.75% p.a. for tenures up to 15 years and loan amounts of up to 90% of the property’s value. It also offers home loan balance transfer facility to existing borrowers of other banks and HFCs. Sammaan Capital Limited offers a rural home loan scheme to provide affordable housing loans to rural and semi-urban residents.

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Starting 8.75% p.a.

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
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How Can I Apply for a Home Loan Online?

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Step 1: Enter your mobile number in the application form.

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Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Sammaan Capital Home Loan Highlights

Interest Rate 8.75% p.a. onwards
Loan Tenure Up to 15 years
Processing Fees 0.50% onwards of the loan amount plus applicable charges

Rates as of 12th January 2026

Sammaan Capital Home Loan Interest Rates

Loan Products Interest Rate (p.a.)
Regular Home Loans 8.75% - 15%
Loan Against Property 9.75% - 17%

Compare Home Loan Interest Rates for Top Banks & HFCs

Name of Lender Interest Rates
Axis Bank 8.35% p.a.
Bajaj Housing Finance 7.15% p.a.
Bank of India 7.10% p.a.
Canara Bank 7.15% p.a.
Easy Home Finance 8.99% p.a.
Federal Bank 8.75% p.a.
Godrej Housing Finance 7.75% p.a.
HDFC Bank 7.20%* p.a.
HDFC Sales Pvt. Ltd. 7.20%* p.a.
Home First Finance 8.00% p.a.
ICICI Bank 7.65% p.a.
IDBI Bank 7.35% p.a.
IDFC FIRST Bank 8.85% p.a.
India Shelter Home Loan 8.43% p.a.
Jio Housing Finance 8.20% p.a.
L&T Finance Limited 7.65%* p.a.
Piramal Capital Housing Finance 9.99% p.a.
PNB Housing Finance 7.70%* p.a.
Punjab & Sind Bank 7.30% p.a.
Punjab National Bank 7.20% p.a.
RBL Bank 8.20% p.a.
Shubham Housing Finance 10.45% p.a.
State Bank of India 7.25% p.a.
Tata Capital Housing Finance 7.75% p.a.

*when applied through Paisabazaar

Rates as of 12th January 2026

Sammaan Capital Home Loan Processing Fees & Charges

Processing Fee 0.50% onwards of the loan amount
Foreclosure statement charges Rs. 500
List of Documents Rs. 1000
Cheque/NACH Dishonour Charges Rs 500 (home loan)
Late Payment Charges 24% p.a. on outstanding EMI
PDC/ECS Swapping Charges NIL
Charges for account statement/amortization schedule Rs 200
Registration Charges for borrower’s ECS mandate NIL
Income tax certificate in home loans NIL
ROI Switch Fee Home Loan As per Standard Switch Grid as available on request
Database admin fee Rs 650
Compliant handling charges NIL
Retrieval Charges for copies of loan Rs. 750
Stamping Charges As per Actuals

Also Read: Processing Fee for Home Loans charged by various lenders

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Types of Sammaan Capital Home Loan

Home Loan Balance Transfer

Purpose: Home loan balance transfer facilitates transfer of existing home loan from other banks and HFCs to Indiabulls at lower interest rates

Instant Home Loans

Purpose: This is a special home loan scheme offered to home loan applicants tailored to suit their needs

Rural Home Loan

Purpose: Affordable home loans for rural/semi-urban areas

Home Renovation Loan

Purpose: Consumers can avail home renovation loan for renovating the existing home as per their own comfort, aspirations and taste

Tenure: Up to 15 years

Home Extension Loan

Purpose: Home extension loans are offered for making extension to already existing home property

Home Loan for NRIs

Purpose: For purchase and construction of residential property by NRI applicants

Tenure: Up to 15 years

Top-up Home Loan

Purpose: Home loan top-up scheme are additional loans offered on existing home loan during the loan tenure

Pradhan Mantri Awas Yojna

Purpose: To avail Credit Linked Subsidy Scheme introduced by the Central Government to provide “Housing for All” for Economically Weaker Sections, MIG-I and MIG-II for purchase/construction/extension/improvement of homes

Sammaan Capital Home Loan Eligibility Criteria

  • The applicant should be 21 years old at the time of loan application and 65 years old at the time of loan maturity
  • He/she should be salaried/self-employed
  • The spouse of the applicant can apply as a co-applicant to the home loan
  • NRIs from Dubai and UK can apply for Indiabulls home loans.

Indiabulls may also consider the credit score and monthly income of its applicants while evaluating Indiabulls home loan eligibility.

Documents Required for Sammaan Capital Housing Loan

The common set of documents required to apply for Indiabulls Home Loans are:

  • Completely filled application form with photograph attached and signatures of the applicants
  • ID proof, birth proof, age proof, address proof and signature proof
  • Processing fee cheque
  • Sale deed or sale agreement, allotment letter, NOC from the society or builder
  • Income Documents:

For Salaried: Salary slips for last 3 months, Form 16, ITR and statement of bank account

For Self-Employed: ITR for 2 years with financial statements, bank statement for last 6 months, qualification proof and Gumasta license

For BSF Customer: Last 3 months salary slip, Form 16 for last 2 years and confirmation certificate/service certificate for benefit of this scheme

For Merchant Navy/NRI: Rent agreement with utility bill up to 3 months old if staying on rent, passport, salary slip for last 6 months, contract copy for last 3 years, Form 16 for last 2 years with income computation, Continuous Discharge Certificate, Bank statement for 1 year for NRE/NRO account

Also know about the home loan documents required

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

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FAQs

Sammaan Capital Housing Finance sets interest rates for its home loan applicants based on their credit profile, loan amount, tenure, property type and other risk parameters.

Sammaan Capital Housing Finance allows the spouse or other immediate family members of a home loan applicants to be his/her co-applicant. However, the co-owner(s) of the underlying home property has to be the co-applicant for the home loan.

Yes, Sammaan Capital allows its home loan borrowers to prepay their home loans. It doesn’t charge any fees on prepayment of floating rate home loans.

Yes, Sammaan Capital Housing Finance claims to offer concession in home loan interest rate to its women applicants. However, the HFC has not disclosed the exact concession on interest rates offered to women applicants.

Sammaan Capital Housing Finance has not specified the cut-off credit score for home loan applicants. However, applicants with credit scores of 750 and above usually have higher chances of availing home loans at lower interest rates.

Sammaan Capital Housing Finance allows its home loan borrowers to make repayments or prepayments through any of the following payment modes --- cheque/drafts, RTGS transfer, NEFT transfer, Post Dated Cheque, fund transfer and cash.

Sammaan Capital Housing Finance Limited has not disclosed whether it provides the facility of tenure increase to its existing home loan borrowers for reducing their EMIs. However, many lenders allow their existing home loan borrowers to increase their loan tenure in case of financial crisis. Note that request for increase in loan tenure results in reduction of credit score. This is because request for loan tenure increase is considered as loan restructuring, which is considered to be a negative credit event by the credit bureaus. This reduces the credit scores of the borrowers, which in turn adversely impacts their future loans and credit card eligibility.

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I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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