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Bandhan Bank Home Loan

Bandhan Bank offers home loans @8.41% p.a. onwards for loan amounts of up to 90% of the property cost for tenures of up to 30 years. It also offers customized home loans to micro-banking borrowers (both salaried and non-salaried) for the construction of pucca and semi-pucca houses.
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Lowest interest rates starting from 7.1%

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15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Competitive Interest Rates

Starting 7.10% 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
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
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
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Step 1: Enter your mobile number in the application form.

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Bandhan Bank Home Loan Highlights

Interest Rate 8.41%- 15.00% p.a.
LTV Ratio (Loan Amount) Up to 90% of the property cost
Tenure 1- 30 years
Processing Fees Up to 1%

Bandhan Bank Home Loan Interest Rates

Bandhan Bank Home Loan interest rates start from 8.41% p.a. While the lender has not disclosed its differential interest rates, it may consider the monthly income, job profile, employer’s profile, credit score, etc. of its home loan applicants while setting their home loan interest rates , just like other lenders do.

Types of Home Loans Interest Rates (p.a.)
Suraksha Home Loan 8.41%-12.58%
Sajavat Home Loan 8.41%-12.58%
Su-awas Home Loan 13.00%-15.00%
Suvidha Home Loan 8.41%-12.58%

Compare Home Loan Interest Rates for Top Banks & HFCs

Name of Lender Loans of Up to Rs. 30 Lakh
Bank of India 7.10% p.a. onwards Check Eligibility
State Bank of India 7.25% p.a. onwards Check Eligibility
Punjab National Bank 7.20% p.a. onwards Check Eligibility
Canara Bank 7.15% p.a. onwards Check Eligibility
HDFC Bank 7.90% p.a. onwards Check Eligibility
Bajaj Housing Finance 7.40% p.a. onwards Check Eligibility
ICICI Bank 7.65% p.a. onwards Check Eligibility
Axis Bank *8.25% p.a. onwards Check Eligibility
Federal Bank *7.90% p.a. onwards Check Eligibility
Kotak Mahindra Bank 7.70% p.a. onwards Check Eligibility
IDFC FIRST Bank 8.85% p.a. onwards Check Eligibility
IDBI Bank 7.35% p.a. onwards Check Eligibility
RBL Bank 8.20% p.a. onwards Check Eligibility
Tata Capital Housing Finance 7.75% p.a. onwards Check Eligibility
PNB Housing Finance *7.20% p.a. onwards Check Eligibility
Sammaan Capital
(Formerly known as Indiabulls Housing Finance) 		8.75% p.a. onwards Check Eligibility
India Shelter Home Loan 8.43% p.a. onwards Check Eligibility
L&T Finance Limited *8.40% p.a. onwards Check Eligibility
Godrej Housing Finance 7.75% p.a. onwards Check Eligibility
Home First Finance 8.00% p.a. onwards Check Eligibility
Easy Home Finance 8.99% p.a. onwards Check Eligibility
Piramal Capital Housing Finance *8.25% p.a. onwards Check Eligibility
Shubham Housing Finance 10.45% p.a. onwards Check Eligibility
Punjab & Sind Bank 7.30% p.a. onwards Check Eligibility
Jio Housing Finance 8.20% p.a. onwards Check Eligibility
HDFC Sales Pvt Ltd 7.90% p.a. onwards Check Eligibility

Bandhan Bank Home Loan Fees and Charges

Description Charges
Login Fees Rs 3,500 + GST
Processing Fees Up to 1%
Administrative Fees 0.25% - 2.00% + GST
Pre-payment Charges on Fixed Rate of Interest For loans repaid less than 12 months- 4% of outstanding principal + GST
For loans repaid more than 12 months: 2% of outstanding principal + GST  for loans repaid after 12 months
For cases disbursed under Erstwhile Gruh subject to submission of documentary proof of own source of funds- NIL
Pre-payment Charges on Floating Rate of Interest If the applicant and co-applicant are individuals- NIL
For one or more non-individual applicants- 2% + GST
Rate of Interest Conversion Charges 0.50%-1.25 % of the outstanding balance
depending on the options exercised for PLR linked loans.
Rs 3,000 for EBR conversion
Charges for Cheque Bounce Rs 500 + GST
Penal Charges (late payment of EMIs, etc) 2% of the overdue amount
Account Statement Provided free of cost once annually; Rs 100 + GST for subsequent requests
Income Tax Certificate Provided once annually free of cost; Rs 30 + GST for subsequent requests
CERSAI Charges For creation: Rs 100 + GST;
For satisfaction: NIL
CIC Charges Rs 150 per individual + GST
Valuation Report Charges As per actual but not exceeding Rs 5,000 per property being offered as security to Bank
Technical Inspection Charges For Subsequent Inspection during phase wise disbursement
a) Rs 250 per visit for local + GST; and
b) Rs 350 per outstation + GST
Search Report and TCC Charges Maximum Rs 5,000 per property offered as security to the bank
Charges for registration of mortgage and release of charges On actual
Copy of Property Documents Rs 500 + GST
Stamp duty and Statutory Charges At actuals as per applicable state laws
Miscellaneous/Legal Charges At actuals
List of Documents Rs 250

Also know about processing fees for home loans charged by top lenders.

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Types of Bandhan Bank Home Loans

Suraksha Home Loan

  • Purpose: Regular home loan scheme for purchase/extension/construction of the house.
  • LTV Ratio: Up to 90% of the cost of property
  • Tenure: 1- 30 years

Sajavat Home Loan

  • Purpose: Home loan for renovation and repair of existing house such as plumbing, painting, re-laying the roof, etc.
  • LTV Ratio: Up to 80% of the cost of repair work
  • Tenure: 1- 15 years

Su-awas Home Loan

  • Purpose: For the construction of pakka/semi-pakka houses, exclusively for existing micro-banking borrowers who have completed at least 1 cycle of their loan. The scheme is offered to both salaried and non-salaried individuals.
  • Tenure: 2-10 years
  • Loan Amount: Rs 1 lakh to Rs 10 lakh

Su-awas Saral Home Loan

  • Purpose: For self-construction on non-homestead lands.
  • Tenure: 2-10 years
  • Loan Amount: Rs 1 lakh to Rs 7 lakh

Suniwas Home Loan

  • Purpose: For the home extension to Su-awas customers and Su-awas Saral customers only.
  • Loan Amount: Rs 50,000 to Rs 5 lakh

Suvidha Home Loan

  • Purpose: Home loan for construction, purchase and extension of house offered to applicants having no formal income proof.
  • LTV Ratio: Up to 90% of property cost
  • Tenure: 1-30 years

Eligibility Criteria for Bandhan Bank Home Loan

For Suraksha/Sajavat/Suvidha Home Loan

  • Age: Minimum - 21 years; Maximum - 75 years at the time of maturity or retirement age, whichever is earlier.
  • Surplus income or monthly disposable income is taken into consideration.

For Su-awas Home Loan

Micro-banking borrowers with a minimum of 1 complete cycle of the loan.

Bandhan Bank may also check credit score and monthly income of its applicants, just like other home loan lenders do while setting their home loan eligibility .

Documents Required for Bandhan Bank Home Loan

Documentation for Suraksha/Sajavat/Suvidha Home Loan

For Salaried Borrowers

  • Completely filled the loan application form with a recent photograph
  • Photo ID proof, address proof, age proof for KYC
  • Completely filled customer relationship form with recent photograph attached
  • Cheque with applicable processing charges
  • Salary slips for the last 3 months
  • Recent PF statement
  • Form 16 provided by the employer
  • Last 3 years ITR copies
  • Photocopy of investments and life insurance policies
  • Copy of bank passbook for all the bank accounts showing entries for the last 3 months
  • Credit card photocopy with last monthly statement
  • In case other loans are availed; open or closed:
    • Sanction letter copy
    • No dues certificate for closed loans
    • Updated repayment history
  • In case of no salary slips, a salary certificate is required on the employer’s letterhead with signatures and a stamp
  • Copy of rent agreement is present accommodation is on rent
  • Visiting card

For Self-employed Borrowers

  • Complete the application form with a recent photograph
  • KYC documents
  • Customer Relationship Form
  • Cheque with applicable processing charges
  • Copy of ITR for past 3 years
  • Copy of certified accounts or audited accounts with schedules for the last three financial years
  • Business note (in bank format) with images of business place
  • Investment and life insurance policies photocopy
  • Copy of bank passbooks of all the bank accounts for the last 6 months
  • Rent agreement of the place of business, if it is on rent
  • Shop and establishment license for the commercial entity
  • Copy of professional degree/certificate
  • Visiting card
  • Shareholding pattern or partnership deed of your entity

Additional Legal and Technical Documents

  • Approved construction plan with the estimate, construction permission, and layout plan
  • Ownership document copy of the previous owner
  • Copy of sale deed/construction agreement/sell agreement/amenities agreement
  • Recent images of the property
  • Ownership proof in revenue records, i.e., Form-6, property card, Form 8-A, Form 7/12
  • Receipts of margin money paid
  • Copy of allotment letter and share certificate in case of co-operative society
  • NA permission from the concerned authority
  • NOC to mortgage from a concerned authority like development authority/society

Documentation for Su-awas Home Loan

For Salaried Borrowers

  • Filled application form
  • Photo ID proof, age proof, address proof for KYC
  • Last 3 months salary slips
  • Form 16
  • Copy of bank passbook for all bank accounts having entries for the last 6 months
  • In the case of other loans, active as well as closed:
    • Sanction letter copy
    • Updated repayment record
    • No dues for closed loans
  • Salary certificate in case of no salary slips
  • Copy of rent agreement

For Self-employed Borrowers

  • Application form
  • KYC documents
  • Any one of the following:
    • Cash flow statement and last 1 year’s ITR statement or verification by local authorities such as Municipality of Panchayat
    • ITR for the last 2 years with income computation for both years (if eligibility is calculated based on ITR income)
    • Self-declared income statement as per the Bank’s format (if the monthly income of the self-employed applicant is less than or equal to Rs 25,000)
  • Copy of bank passbook with entries of last 6 months for all the banks
  • In case of other loans availed, active as well as closed:
    • Copy of sanction letter
    • No dues of closed loans
    • Updated repayment record
  • Rent agreement of the business place
  • Rent agreement copy of accommodation

Additional Legal and Technical Documents

  • Non-agricultural permission from the authority concerned
  • Ownership document of the previous owner
  • Latest image of the property
  • Copy of agreement to sell/sale deed/amenities agreement/construction agreement
  • Ownership proof in revenue records such as Form 8-A, Form 7/12, Form 6, property card
  • Receipt of margin money paid in case of property purchase
  • Approved construction plan with layout plan, construction permission, and estimate

Know more about home loan documents required by other lenders

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.

Apply Now

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FAQs

What is the current home loan interest rate offered by Bandhan Bank?

The current home loan interest rates offered by Bandhan Bank range from 8.41% to 15% p.a., depending on the credit profile of its applicants and type of home loan scheme availed.

How can I apply for a Bandhan Bank Home Loan?

You can apply for Bandhan Bank Home Loan either directly through the official website of Bandhan Bank or by visiting any branch of Bandhan Bank. You should also visit financial marketplaces like Paisabazaar.com to compare the home loan interest rates offered by other lenders.

What factors determine the  Bandhan Bank Home Loan eligibility of the applicants?

The Bandhan Bank home loan eligibility of the applicants depends on the monthly disposal or surplus income of home loan applicants.

What is the minimum credit score required to avail home loans from Bandhan Bank?

Bandhan Bank has not specified the cut-off credit score for home loan applicants. However, applicants having credit scores of 750 and above usually have higher chances of availing home loans at lower interest rates.

Can I prepay my home loan availed from Bandhan Bank?

Yes, you can prepay the home loan availed from Bandhan Bank. The bank does not levy any prepayment charges on home loans offered at floating rates.

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Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

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eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

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Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

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Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

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Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

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KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

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Ritesh SharmaSep 10, 2021

quick and easy home loan process

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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Rupanjali MishraSep 3, 2021

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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Soumil KhannaSep 3, 2021
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