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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 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.

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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

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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 1st 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

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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.

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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.

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