Bank of Maharashtra Home Loan

Note: Last updated on 1 January 2026

Bank of Maharashtra Home Loan interest rates start from 7.10% p.a. onwards. The lender offers differential interest rates depending on the CIBIL score, occupation profile and various types of home loan schemes availed by the applicant. Below mentioned are the interest rates set by the Bank of Maharashtra for its various home loan schemes.

Maha Super Housing Loan Scheme

Housing Loan to General Public

Housing Loan to Salaried Employees (Minimum gross monthly salary Rs 50,000) of Central/State Government or Public Sector Undertaking or Government aided Education Institutions (Not routed through DSA)

Note: The interest rate concession including a 0.05% concession offered to women borrowers and any deviation would be applicable to applicants having CIBIL Score below 725, subject to the minimum floor rate, i.e., RLLR-0.95%. No concession, deviation, or EMI waiver would be allowed to applicants having CIBIL Scores of 725 and above.

Maha Super Flexi Housing Loan – (Term Loan Linked with SB)

Interest rates are 0.25% higher than that applicable for the Maha Super Housing Loan Scheme.

Maha Super Green Building – (For Green Building)

Concession of 10 bps on applicable interest rates of Maha Super Housing Loan Scheme subject to the minimum floor rate (7.35% p.a.).

Maha Home Loans Interest Rate Offered for Commercial Real Estate

Maha Bank Top-up Scheme

Know more about Home Loan Processing Fees charged by various home loan lenders

Maha Super Housing Loan (for purchase/construction of new house/flat, extension of existing house/flat)

Purpose: Bank of Maharashtra offers the Maha Super Housing Loan Scheme for the purchase/construction of new/existing houses/flats of not more than 30 years old, extension of existing houses/flat, purchase of residential flat under construction or ready to move in property directly from the builders/Development Authority/developers/society and extension of existing house/flat. Existing home loan borrowers of other banks and HFCs can also avail Maha Super Housing Loan Scheme for transferring their existing home loans to Bank of Maharashtra at lower interest rates.

LTV Ratio:

Tenure: Up to 30 years or 75 years of age, whichever is earlier.

Maha Super Housing Loan (for Plot Purchase Loan and Construction thereon)

Purpose: Consumers can avail Maha Super Housing Loan Scheme for the purchase of a plot and construction thereon.

LTV Ratio:

Maha Super Housing Loan (for Repair/renovation/alteration of existing house or flat

Purpose: Prospective home loan borrowers can avail Home Renovation Loans from the Bank of Maharashtra for carrying out repair/renovation/alteration of existing houses/flats.

Tenure: Up to 20 years

LTV Ratio (whichever is lower):

Maha Bank Top-up Loan (for repair/renovation/extension/ furnishing)

Purpose: Existing home loan borrowers of Bank of Maharashtra can avail Maha Bank Top-up Home Loan scheme over and above the existing home loans to meet their financial needs for repair/renovation/extension/furnishing of home.

Tenure: Up to 15 years

LTV Ratio:

For existing Bank of Maharashtra home loan borrowers:

Or

For Bank of Maharashtra home loan balance transfer applicants availing additional top-up facility:

Maha Bank Top-up Loan (for other purposes)

Purpose: Existing home loan borrowers of Bank of Maharashtra can avail Maha Bank Top-up Loan scheme over and above the existing home loans to meet their personal requirements, such as for education, wedding and medical treatment.

LTV ratio: The overall LTV, including the LTV ratio of the existing Bank of Maharashtra home loan, cannot exceed 75% of the property value, based on the valuation report not older than 3 years

Tenure: Up to 15 years or 75 years of age at the time of loan maturity

Maha Super Flexi Housing Loan

Purpose: Maha Super Flexi Housing Loan Scheme is a home loan overdraft facility wherein the home loan borrowers can deposit surplus amount in the linked overdraft account and can withdraw funds from it as per their needs.

Loan Amount: Rs 50 lakh onwards

Tenure: Up to 30 years or up to 75 years of age of the borrower at the time of loan maturity.

LTV Ratio: