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Rs. 5 Crore Home Loan

Individuals planning to buy/construct a luxury property and having an excellent credit profile can borrow a home loan of Rs. 5 crore from banks and HFCs. Applicants having their EMI/NMI ratio within 50-55%, including the existing EMIs and EMIs of the proposed home loan, are usually eligible for home loans. Applicants can also visit Paisabazaar to compare the interest rates and other offers by different lenders and opt for the best one falling under their budget.
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Lowest interest rates starting from 7.1%

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Competitive Interest Rates

Starting 7.10% p.a.

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Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

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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
Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Curated Offers from Multiple Lenders

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Highest Loan Approval Chances

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Easy & Transparent Borrowing Process

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.

Home Loan of Rs. 5 crore - Highlights

Interest Rate 7.10% p.a. onwards
Tenure Up to 30 years
Employment Profile Salaried and Self-employed
Property Type For buying and constructing luxury homes

EMI for Rs. 5 crore Home Loan

Applicants can use home loan EMI calculator to calculate the EMI and overall interest cost. All you need to do is enter the interest rate, loan amount and loan tenure in the EMI calculator and get results instantly. Below-mentioned are examples of home loan EMIs of Rs. 5 crore for different lenders and different tenure.

EMI for 5 crore Home Loan for 10 years

Lender’s Name Interest Rate (% p.a.) EMI (Rs.)
SBI 7.25 onwards 5,87,005
HDFC 7.20 onwards 5,85,709
ICICI Bank 7.65 onwards 5,97,431
Bank of Maharashtra 7.10 onwards 5,83,123
Union Bank of India 7.15 onwards 5,84,415

EMI for 5 crore Home Loan for 20 years

Lender’s Name Interest Rate (% p.a.) EMI (Rs.)
SBI 7.25 onwards 3,95,188
HDFC 7.20 onwards 3,93,675
ICICI Bank 7.65 onwards 4,07,395
Bank of Maharashtra 7.10 onwards 3,90,656
Union Bank of India 7.15 onwards 3,92,164

Comparison Table of Top Lenders Offering Home Loan of Rs. 5 crore

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.
Sammaan Capital (Formerly known as Indiabulls Housing Finance) 8.75% 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

Last Updated on 19th January 2026

Factors Affecting Home Loan Interest Rates

  • Credit Score: 750 and above
  • Income Stability: Stable job and consistent income display low credit risk
  • Employment Type: Salaried and self-employed
  • Property Type: Ready-to-move-in property carries low risk
  • LTV Ratio: Higher down payment reduces the interest rate
  • Existing Relationship with the Lender: Existing customers of banks and HFCs are eligible for pre-approved offers with preferential rates.

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Eligibility Criteria of Applicants Availing Home Loan of Rs. 5 crore

  • The minimum age of the applicant should be 18 years and the maximum age at the time of loan maturity should be 70 years.
  • Salaried and self-employed applicants are eligible for home loans of Rs. 5 crore.
  • The EMI/NMI ratio of the applicant should be below 55%, including existing EMIs and EMI of the proposed home loan.
  • Applicants having a credit score of 750 and above usually have higher chances of home loan approval.

Documents Required for Availing Home Loan of Rs. 5 crore

  • ID Proof
  • Address Proof
  • Salary Slips
  • Business Proof
  • ITR and P&L statements
  • Property documents

Tips to Reduce the Interest Burden

  • Maintain your credit score above 750.
  • Negotiate with the lender.
  • Make higher down payment.
  • Make part-prepayments to your home loan.
  • Transfer your home loan to lender offering lower interest rates.

Tax Benefits on Rs. 5 crore Home Loan

  • Tax benefits on principal repayment under Section 80C- Up to Rs. 2 lakh per year for self-occupied property
  • Tax benefits on interest paid under Section 24(b)- Up to Rs. 1.5 lakh per year

Balance Transfer of Rs. 5 crore Home Loan

Existing home loan borrowers can transfer their home loan accounts to other lenders offering lower interest rates, better terms and offers and lower fees. It is better to transfer your home loan early in the loan tenure so that you can save enough on the interest cost. Balance transfer not only reduces your EMI burden but also decreases overall interest cost. For eg.,

If you borrow a home loan @ 7.90% p.a. for a tenure of 30 years, then your EMI and interest cost would be Rs. 3.63 lakh and Rs. 8.08 crore respectively. Now, if you switch your existing home loan to a new lender at 7.20% p.a., the new EMI and interest cost would be Rs. 3.39 lakh and Rs. 7.20 crore, respectively. So, the total savings in the overall EMI and interest cost is around Rs. 24,000 and Rs. 88 lakh, respectively.

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.

Explore Our Home Loan Lenders

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FAQs

 Applicants planning to avail a home loan of Rs. 5 crore should have a very high salary. Lenders usually offer home   loans to applicants having their EMI/NMI ratio within 50-55%. 

Yes, self-employed individuals having an excellent credit profile can get a home loan of Rs. 5 crore. 

Applicants having a minimum credit score of 750 and above are eligible for home loan of Rs. 5 crore at lower interest rates. 

Yes, you can prepay home loan of Rs. 5 crore without any charges only if you avail the home loan at floating rates. 

Checking your home loan eligibility does not come with any credit check, therefore, no impact on the credit score.

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Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

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Pradeep SinghJan 7, 2026

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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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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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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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