Godrej Housing Finance Home Loan

Godrej Housing Finance (GHF) offers home loans starting @ 7.60% p.a. with tenures of up to 30 years. The Housing...

Godrej Housing Finance (GHF) offers home loans starting @ 7.60% p.a. with tenures of up to 30 years. The Housing Finance Company (HFC) offers 'Design your EMI' with 'Flexible Payment Plan' features for those availing home loans for under-construction properties. Godrej Home Loan also comes with 'EMI Break' for repayment convenience and ‘Parallel Funding’ to make home loans more affordable through staggered down payments. Existing home loan borrowers of other lenders can avail Godrej Home Loan Balance Transfer facility along with top-up home loans to reduce their interest cost and/or avail other benefits. Home loan balance transfer applicants can also avail 'EMI Break' facility during the first three years of their tenure.

Competitive Interest Rates

Starting 7.60% p.a.

Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

Dedicated Customer Support

Expert Assistance at Every Step

Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Get Home Loan

Lowest interest rates starting from 7.1%

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy

Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Competitive Interest Rates

Starting 7.60% p.a.

Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

Dedicated Customer Support

Expert Assistance at Every Step

Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

Home Loan EMI Calculator

Amount

₹

₹50 L

₹80 L

₹100 L

₹500 L

₹1000 L

Amount

₹50 L

₹80 L

₹1 Cr

₹5 Cr

₹10 Cr

₹

50K15Cr

Rate of Interest(Per Annum)

6%30%

Tenure

1Y 30Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

Find Best Home Loan Offers

Sort by:

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

Quick Links

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Curated Offers from Multiple Lenders

Highest Loan Approval Chances

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.

Godrej Home Loan Highlights

Interest Rate	7.60% p.a. onwards
Loan Amount	As per applicants’ credit profile subject to the caps on LTV ratio set by the RBI
Loan Tenure	Up to 30 years
Processing Charges	3% of the loan amount

Rates as of 4th February 2026

Godrej Housing Finance Interest Rates

For Salaried	7.60% p.a. onwards
For NRI (Salaried)	7.75% p.a. onwards
For Self-Employed (Business Professionals)	8.29% p.a. onwards
For Self-Employed (Practicing Professionals)	8.29% p.a. onwards

Compare Godrej Home Loan Interest Rates with Other Lenders

Name of Lender	Interest Rates
Axis Bank	8.00% 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.
HDFC Bank	7.20%* p.a.
HDFC Sales Pvt. Ltd.	7.20%* p.a.
Home First Finance	8.00% p.a.
ICICI Bank	7.45% 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	7.50% 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	7.50% p.a.

*when applied through Paisabazaar

Rates as of 4th February 2026

Godrej Home Loan Processing Fees and Charges

Charge Description	Charges Applicable (exclusive of GST)
Processing Fee	Flexible loan: 3% of the loan amount
EMI Bounce	Rs. 1,000
Late Payment Penalty Per Month	2% of the total EMI outstanding
Repayment Mode (Cheque/NACH) Swap	Rs. 500
Foreclosure/Part Prepayment Charges	For individuals – Nil For non-individuals – 4% on principal prepaid case of Balance Transfer – 4% for foreclosure on principal prepaid Self – 4% foreclosure on principal prepaid on all amounts prepaid over 20% of the loan amount in the financial year
Loan cancellation charges	Nil up to 30 calendar days or the 1^st EMI due date, whichever is earlier. Post that 1% of principal outstanding.
Charges for loan foreclosure letter	Rs. 500
Rate Conversion Charges	0.5% to 1.5% of the principal outstanding
Repricing Fee	1% of the principal outstanding
Stamping or Franking Fee	On Actuals
Technical Fees (for the additional property)	On Actuals
Valuation Fees (In Construction Linked Loans)	On Actuals

Also Read: Home loan processing fees of various banks and HFCs

Get a Home Loan For
Your Dream Home

Types of Godrej Home Loan

Godrej Home Loan

Features: A regular home loan scheme availed for buying or constructing a house. Those seeking loans for home renovation/improvement or extension purposes can also apply for this home loan. Godrej home loan comes with special features like 'Design your EMI' with 'Flexible Payment Plan' features to those availing home loans for under-construction properties. It also comes with 'EMI Break' feature for repayment convenience and ‘Parallel Funding’ to make home loans more affordable through staggered down payments.
Loan Amount: As per applicants’ credit profile subject to the caps on LTV ratio set by the RBI
Tenure: Up to 30 years

Godrej Plot Loan

Features: Plot Loan facility from Godrej Home Finance for financing the purchase of residential plot in urban areas.
Loan Amount: Up to 80% of the property value
Tenure: Up to 30 years

Godrej Home Loan Balance Transfer

Features: Home loan balance transfer facility allows existing home loan borrowers to transfer their home loans from other financial institutions to Godrej Housing Finance at lower interest rates.
Loan Amount: Up to Rs. 30 lakh
Tenure: Up to 30 years

Eligibility Criteria for Godrej Home Loan

Nationality: Indian Resident, Non Resident of India (NRI)
Age: 23-62 years
Employment Type: Salaried, self-employed professionals and self-employed non-professionals

Godrej Housing Finance may also consider the monthly income and credit score of its applicants, just like other banks/HFCs do while evaluating the home loan eligibility of their applicants.

Godrej Home Loan Documents Required

Below is the list of documents that are required to apply for home loan by Godrej Housing Finance:

Duly filled and signed home loan application form
Passport size photographs
PAN Card or Form 60 (mandatory)
Proof of Identity (Passport, Aadhaar Card, Driving License, Voter’s Identity Card, etc.)
Proof of Address (Passport, Aadhaar Card, Driving License, Voter’s Identity Card, etc.)
Proof of Income (Latest 1 month salary slip/ a Salary Certificate authorized by the signatory of the company on the letterhead)
Proof of employment for 2 years (Form 16/ Joining date on salary slip/ Employer letter/ Appointment letter, etc.)
Last 6 months’ statement of the account where the salary is credited
Proof of bonus of last 2 years/ Variable incentive for last 6 months – Bank statement reflecting the credits and salary slip letter reflecting bonus or variable incentive
Property documents for an under-construction property - approved projects (Allotment Letter/ Stamped Agreement for Sale and Payment Receipts/ bank account statement showing all payments made to the Builder
Property documents for resale property (Current Registered or Draft Agreement for Sale (only for Maharashtra)/ Allotment Letter or Stamped Agreement for Sale, Prior Chain Link title documents, Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint), Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt and Payment Receipts

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

Get a Home Loan For
Your Dream Home

FAQs

If you are the sole owner of the property, any member of the immediate family can be the co-applicant to your home loan. If someone is the co-owner of the property, he/she should necessarily be the co-applicant. If the income of other family member(s) are considered to calculate the loan amount eligibility, then those family member(s) need to be roped in as co-applicant(s).

Yes, you can prepay your home loan availed from Godrej Housing Finance. The HFC does not charge any prepayment charges on home loans offered at floating rates. For home loans offered at fixed rates, the prepayment charges are NIL if paid through own source of funds.

Yes, Godrej Housing Finance offers interest rate concession of 35 bps to salaried applicants.

Yes, Godrej Housing Finance offers flexible repayment plans to its home loan applicants through its “Design your EMI” program. The home loan applicants can choose to pay the interest component during under-construction period above a minimum threshold amount as per their convenience. The amount can be less than or equal to the actual interest cost. They can also choose to pay different interest amounts at different periods, for e.g., they can pay Rs 9,999 for the first 6 months and Rs 12,999 for the next 12 months.

Godrej Housing Finance provides 3 predefined EMI breaks in the first 3 years of loan repayment, i.e., the applicants pay 11 out of 12 EMIs in the first 3 years of repayment tenure. The salaried applicants can avail an EMI break in the month of March (tax season), salaried NRI and self-employed businessmen can avail EMI break during the festival season (September), and the practicing professionals can avail EMI waiver in the month of June (holiday season).

Yes, Godrej Housing Finance offers ‘Parallel Funding’ program, which allows its borrowers to split the down payment component into smaller amounts, as per the stages of the property construction. This program has been designed to reduce the burden of arranging large amount for making upfront down payment and thereby, increase the affordability of owning a house.

Home Loan Articles

Joint Home Loan Benefits

Vandana Punj18 Jul 2025

Factors to consider while availing joint home loan

Paisabazaar02 Jun 2025

Top 5 Reasons for Home Loans Rejections

Paisabazaar02 Jun 2025

Home Loan Overdraft Facility: Benefits and Drawbacks Explained

Paisabazaar02 Jun 2025

Home Loan Processing Fees and Charges

Bhumika Khandelwal13 Oct 2024

Home Loans: Floating vs Fixed Interest Rates

Rahul Misra01 Jun 2023

Missed home loan EMI? What will be the consequences?

Team PaisaBazaar18 May 2023

3 Tips to Help You Close Your Home Loan Early

Vandana Punj16 Apr 2023

Loan-to-Value (LTV) Ratio: Meaning, Importance and Calculation

Vandana Punj20 Feb 2023

SBI Realty Home Loan: Interest rates, Eligibility, Documents, Fees & Charges

Team PaisaBazaar20 Jul 2022

View All Articles

What our customers say

Time saving process

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...

Pradeep SinghJan 7, 2026

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..

Nidhi SharmaJan 6, 2026

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.

Shikhar SahuJan 5, 2026

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.

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.

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!

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.

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.

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.

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.

Soumil KhannaSep 3, 2021

View All Testimonials

Written By

Sumit Kumar

Reviewed By

Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

Check Handpicked Home Loan Offers
At Affordable Rates

Godrej Housing Finance Home Loan

Home Loan EMI Calculator

Your Monthly EMI Payment

Find Best Home Loan Offers

Quick Links

How Can I Apply for a Home Loan Online?

Godrej Home Loan Highlights

Godrej Housing Finance Interest Rates

Compare Godrej Home Loan Interest Rates with Other Lenders

Godrej Home Loan Processing Fees and Charges

Types of Godrej Home Loan

Godrej Home Loan

Godrej Plot Loan

Godrej Home Loan Balance Transfer

Eligibility Criteria for Godrej Home Loan

Godrej Home Loan Documents Required

How Can I Apply for a Home Loan Online?

FAQs

Who can be the co-applicant to my home loan?

Can I prepay my home loan availed from Godrej Housing Finance?

Does Godrej Housing Finance offer preferential rates to salaried applicants?

Does Godrej Housing Finance offer flexible repayment plans to its home loan applicants?

Does Godrej Housing Finance provide EMI breaks to its home loan applicants?

Can I split my home loan down payment into smaller tranches?

Home Loan Articles

What our customers say

Disclaimer