Capital India Home Loans

Disclaimer: Capital India Home Loan 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 Capital India Home Loan for home loans. No offers/services from Capital India Home Loan are being provided by Paisabazaar for home loans. For further information about Capital India Home Loan for home loans, users are required to reach out directly to Capital India Home Loan.

Capital India Home Loan Highlights
Interest Rate	9.00%-26.00% p.a.
Loan Amount	As per the applicant’s profile
Loan Tenure	As per the applicant’s profile
Application Fees	Up to 4% of the loan amount

Note: Rates as of 10 September 2025

Capital India Home Loan Interest Rates

Capital India Home Loan interest rates start from 9.00% p.a. onwards. The home loan interest rates vary on the type of interest rate (floating and fixed) and the applicant’s credit score, loan repayment structure, internal rating conducted by the lender, loan tenure, etc.

Floating Interest Rates	9.00% – 16.00% p.a.
Fixed Interest Rates	11.00% – 26.00% p.a.

Compare Capital India Home Loan Interest Rates vs Other Lenders

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

Capital India Home Loan Fees and Charges

Prepayment & Foreclosure Charges

Particulars	Partial Prepayment (closure by own funds)	Foreclosure Charges
Floating rate schemes	No charges	No charges
Fixed rate schemes	No charges	No charges on closure by own funds
		5% on closure by Balance Transfer

Application Fees & Other Charges

Particulars	Charges
Application Fees	Up to 4% of the loan amount
Statutory Charges	Rs 50 (for loans up to Rs 5 lakhs)
	Rs 100 (for loans above Rs 5 lakhs)
Delayed Payment Charges	24% p.a. on the instalment due
Overdue/Late Payment Charges	24.00% p.a. over and above prevailing interest rate
Rate Switch/Conversion Charges – Floating to Fixed or vice versa)	Up to 5% on the outstanding principal
Cheque Dishonor Charges	Rs. 500 for every cheque dishonor
Loan Agreement & Document Retrieval Charges	Rs 2,000 per request
Swapping Charges (NACH/ECS to PDC)	Rs. 1,000
Loan Cancellation Charges	Rs 10,000 per contact
Additional Processing Fees for Credit Life & General Insurance	Up to Rs 2,000
Foreclosure Letter	Rs. 500
Re-sanction Fees	Up to Rs 2,500
Account Statement	Rs 500
Legal Charges	As per actuals

Types of Capital India Home Loan

Home Loans

Purpose: Prospective borrowers can avail Capital India Home Loan to purchase ready to move in, under construction or resale properties.

LTV Ratio: Up to 90% of the property cost (including land value)

Home Improvement Loans

Purpose: Existing homeowners can take Home Improvement Loans from Capital India for meeting repair, renovation of a home including exterior & interior work (such as flooring, roofing, plumbing, air conditioning) and upgrade requirements. Applicants should note that the construction period is allowed for up to 18 months.

LTV Ratio: Up to 75% of the cost of extensions or repairs

Loan Amount & Tenure: Depends on applicant’s personal repayment capacity and regulatory caps

Home Extension Loans

Purpose: Capital India also offers Home Extension Loans to applicants planning for additional construction on their existing property. This can include creating more space in a home, building a room on the terrace, creating another floor, gifting a family a larger kitchen, etc.

LTV Ratio: Up to 90% of the cost of home extension

Home Loan Balance Transfer & Top Up

Purpose: Capital Home Loans provide Home Loan Balance Transfer facility with top-up on existing to exiting home loan borrowers of other lenders.

LTV Ratio: Up to 90% of the property value

NRI Home Loans

Purpose: NRI home loans facility is offered to Non-Resident salaried Indians planning to own a property or plot in India.

LTV Ratio: Up to 90% of the property value (including land value)

Eligibility Criteria for Capital India Home Loan

For Home Loans, Home Improvement Loans, Home Extension Loans, Home Loan Balance Transfer

Capital India Home Loans consider applicant’s income, stability, age, prior credit history and continuity of occupation. Further, the HFC also considers the value of the property for determining applicant’s eligibility for home loans. Stated below are the applicants who can apply for home loans:

• Salaried individuals
• Self-employed applicants
• Professionals
• Non-individuals (corporations)

For NRI Home Loan

The eligibility for an NRI home loan applicant is determined in the same way as it is for resident Indians, with a special emphasis on the following criteria:

• Minimum Age: Above 24 years of age
• Income should be in the form of salary
• Holding a valid Indian passport
• Persons of Indian Origin (PIO) holding a foreign passport

Documents Required for Capital India Home Loan

Home loan documentation for salaried applicants

• Application form with photograph
• Age proof – PAN card/passport
• Residence proof – Passport/Driving license/Telephone bill/Ration card/Voter ID/ Aadhaar card
• Last 2 years Form 16
• Education qualifications – certificate
• Salary statements of last 3 months
• Bank statement (salary account) of last 6 months

Home loan documentation for self-employed/professionals

• Application form including photograph
• PAN card/passport for age proof
• Education qualifications – certificate
• Certificate & business profile and proof of existence
• Residential proof – Passport/ Aadhaar card/Telephone bill/Ration card/Driving license/Voter ID
• Income Tax Returns (self and business) of last 3 years with P&L account & Balance Sheet duly certified or audited by a Chartered Accountant
• Last 12 months bank account statements (self & business)

Documentation for Home Loan Balance Transfer

• Know Your Customer (KYC) related documents
• Home loan property documents
• Repayment track of existing home loan
• Foreclosure letter (Balance outstanding letter)
• Property documents submitted to the existing lender