Download the
Paisabazaar app Today!
Paisabazaar app Today!
Get instant access to loans, credit cards, and financial tools — all in one place
Disclaimer: Cosmos Bank is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Cosmos Bank for home loans. No offers/services from Cosmos Bank are being provided by Paisabazaar for home loans. For further information about Cosmos Bank for home loans, users are required to reach out directly to Cosmos Bank.
| Cosmos Bank Home Loan Highlights – 2025 | |
| Interest Rate | 7.95%-9.85% p.a. |
| Loan amount | Up to Rs 3 crore |
| Repayment Tenure | Up to 20 years |
| Processing Charges | Up to 1% of loan amount + GST |
Note: Interest rates as of 23 June 2025.
Check Lenders Offering Home Loan at Attractive Interest Rates Click Here
Table of Contents
Cosmos Bank Home Loan Interest Rates
Cosmos Bank Housing Loan interest rate starts from 7.95% p.a. onwards. The lender has disclosed its home loan interest rate differentiation based on the loan amount and credit score of the applicants. However, Cosmos Bank may also factor in the age, monthly income, employment type, employer’s profile, applicant type, repayment history, etc. of the applicants while setting its home loan interest rates, just like many lenders do.
Cosmos Housing Loan
Up to Rs 35 lakh
| CIBIL Score | Interest Rates (p.a.) |
| Above 800 | 7.95% |
| Above 750-800 | 8.30% |
| Above 700-750 | 8.65% |
| Below 700 | 9.20% |
Above Rs 35 lakh to Rs 70 lakh
| CIBIL Score | Interest Rates (p.a.) |
| Above 800 | 8.35% |
| Above 750-800 | 8.70% |
| Above 700-750 | 9.05% |
| Below 700 | 9.45% |
Above Rs 70 lakh to Rs 1.4 crore
| CIBIL Score | Interest Rates (p.a.) |
| Above 800 | 8.85% |
| Above 750-800 | 9.10% |
| Above 700-750 | 9.35% |
| Below 700 | 9.85% |
Cosmos Housing Loan Take Over
Up to Rs 35 lakh
| CIBIL Score | Interest Rates (p.a.) |
| Above 800 | 8.25 % |
| Below 800 | 8.65% |
Above Rs 35 lakh to Rs 1.4 crore
| CIBIL Score | Interest Rates (p.a.) |
| Above 800 | 8.60 % |
| Below 800 | 9.00% |
Cosmos Home Loan Top-up
| Loan Amount | Interest Rates (p.a.) |
| Metropolitan Centers- Up to Rs 10 lakh | 9.00% |
| Non- metropolitan Centers- Up to Rs 6 lakh | 9.00% |
Compare Interest Rates on Home Loans for Top Banks & HFCs – 2025
Compare Home Loan Schemes Offered by Top Lenders Compare Now
Cosmos Bank Home Loan Fees & Charges
Processing fee
| Home Loan |
|
Foreclosure/Prepayment Charges
| Home Loan | NIL |
Types of Cosmos Bank Home Loan
Cosmos Home Loan
- Purpose: For purchasing flats, row houses and constructing houses.
- Amount: Up to Rs 3 crore
- Tenure: Up to 20 years. (In case of takeover, unexpired period or 20 yrs; whichever is less)
Cosmo Gram Gruh Yojana
- Purpose: This is a term loan facility for buying and constructing home in gram panchayat area.
- Amount: Up to Rs. 20 lakh for single dwelling unit
- Margin: 40%
- Tenure: Up to 20 years
Cosmos Bank Home Loan Eligibility Criteria
For Home Loan:
- Customers can get in touch with the bank to know if they are eligible for Cosmos Bank home loans. Moreover, the bank may consider the candidate’s income, age, number of dependents, savings history, repayment capacity, property value and several other factors to determine home loan eligibility criteria.
- Minimum 2 guarantors required.
For Cosmo Gram Gruh Yojana:
- For construction of house/bungalow in Gram Panchayat (Gaothan) area.
- For purchase of home/dwellings/flat/row house/bungalow, where permission is given by Gram Panchayat (Gaothan) and registered Sale Deed is available in the name of the applicant.
Check Lenders Offering Home Loan With Overdraft Facility Click Here
Cosmos Bank Home Loan Documents Required
For Home Loan:
- Latest Photograph, Photo Identity Proof, Residence proof of the Applicant and Guarantors
- In case of salaried persons, salary slips for the last 3 months and bank statements for the last 6 months.
- ITR for 3 years In case of businessmen, last 2 years profit & loss, ITR copies of last 3 years, balance sheet and bank statement of business account for last 6 months.
- Legal Documents required for creating a mortgage.
For Cosmo Gram Gruh Yojana:
- KYC documents
- Income papers/financial papers
- Account statement for the last 6 months of the borrower, if the housing loan borrower is not an existing customer of the Bank.
- 7/12 extract
- 8A Utara
- Sale agreement/sale deed duly stamp duty paid
- Index II
- Gram Panchayat (Gaothan) approved plan copy duly authenticated from panchayat office
- Architect certificate to be obtained for Gram Panchayat approved plan.
- 2 guarantors required
Along with the above-mentioned documents, the bank may also ask for additional home loan documents.
Cosmos Bank Home Loan EMI Calculator
Prospective home loan borrowers can use Cosmos Bank Home Loan EMI Calculator to calculate the interest cost and EMIs depending on the loan amount, interest rate and loan tenure. Alternatively, they can also use the home loan EMI calculator available on the Paisabazaar website.
Prospective home loan borrowers can use Cosmos Bank Home Loan EMI Calculator to calculate the interest cost and EMIs depending on the loan amount, interest rate and loan tenure. Alternatively, they can also use the home loan EMI calculator available on the Paisabazaar website.
Home Loan EMI Calculator
₹
%
Year(s)
Home Loan EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395
Cosmos Bank Home Loan FAQs
1. How can I apply for Cosmos Bank Home Loan online?
Ans. You can apply for Cosmos Bank Home Loan directly through the official website of Cosmos Bank. You should also visit financial marketplaces like Paisabazaar.com to compare the home loan interest rates offered by other lenders depending on your credit profile.
2. What is the minimum CIBIL score required to apply for Cosmos Home Loan?
Ans. Cosmos Bank has not specified the CIBIL score required to avail home loan. However, applicants having CIBIL score of 700 and above usually have higher chances of availing home loan.
3. What is the maximum home loan amount offered by Cosmos Bank?
Ans. Cosmos Bank claims to offer maximum loan amount of up to Rs 3 crore to its home loan applicants. Applicants should also visit online financial marketplaces like Paisabazaar.com to compare the loan amount offered by various lenders depending on their credit profile.
4. Who can be the co-applicant for Cosmos Bank Home Loan?
Ans. Cosmos Bank has not specified the requirement of co-applicants for home loan. However, all the co-owners of the property have to be the co-applicant for any home loan and most lenders usually allow immediate family members like spouse, parents, etc. to be the co-applicant(s) of home loan.
5. How can I apply for Cosmos Bank Home Loan online?
Ans. You can apply for Cosmos Bank Home Loan directly through the official website of Cosmos Bank. You should also visit financial marketplaces like Paisabazaar.com to compare the home loan interest rates offered by other lenders depending on your credit profile.
6. What is the minimum CIBIL score required to apply for Cosmos Home Loan?
Ans. Cosmos Bank has not specified the minimum CIBIL score required to avail home loan. However, applicants having CIBIL score of 700 and above usually have higher chances of availing home loan.
7. What is the maximum home loan amount offered by Cosmos Bank?
Ans. Cosmos Bank claims to offer maximum loan amount of up to Rs 1.4 crore to its home loan applicants. Applicants should also visit online financial marketplaces like Paisabazaar.com to compare the loan amount offered by various lenders depending on their credit profile.
8. Who can be the co-applicant for Cosmos Bank Home Loan?
Ans. Cosmos Bank has not specified the requirement of co-applicants for home loan. However, all the co-owners of the property have to be the co-applicant for any home loan and most lenders usually allow immediate family members like spouse, parents, etc. to be the co-applicant(s) of home loan.