Home Loans in New Delhi

Compare Home Loan Interest Rates Offered by Various Banks & HFCs in New Delhi

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

Note: Last Updated on 8 September 2025

Home Loan Features

• Home loans interest rates in Delhi start from 7.35% p.a.
• Tenures can go be up to 30 years depending on the age and repayment capacity of the borrower
• LTV ratio can go up to 90% of the cost of property based on the loan amount availed
• Existing home loan borrowers can avail top-up home loan to meet their personal/business requirements or for carrying out construction, renovation or extension to their existing properties
• Many lenders also offer pre-approved home loans to their existing customers having good credit profile
• No pre-payment/foreclosure charges are levied on home loans availed at floating interest rates

Income Requirements of Home Loan in Delhi:  Salaried applicants with minimum monthly income of Rs 15,000 are eligible for availing home loans in Delhi. The income requirements can be higher for some lenders.

Eligibility Criteria of Home Loans in Delhi

• Applicant should be Indian Resident, PIO, NRI. Some lenders also offer home loan for NRI to PIOs and non-resident Indians.
• Age- 21 years up to 70 years at the time of loan maturity
• Work experience: At least 3 years for salaried and self-employed
• Applicant’s job profile: Salaried (government and corporate professionals)/Self-Employed Non-Professionals (contractor, trader, commission agent)/Self-Employed Professionals (Doctors, CS, lawyers, CA, architect, consultant, engineer
• CIBIL/Credit score should be 750 and above for increased chances of availing home loan and at lower interest rates.

Also Check: Home Loan Eligibility Criteria by Tops Banks/HFCs Online

Documents Required for Home Loans in Delhi

For Salaried Applicants

• KYC documents: PAN card, passport, voter ID, Aadhaar card, driving license
• Income Proof: Salary slips for last 3 months, Bank statement for past 6 months with salary credits, ITR/Form-16
• Own contribution proof
• Property documents
• Bank statement showing loan repayment history
• Employment contract/appointment letter if the job is less than an year old
• Processing fee cheque

Additional Documents for Self-Employed Applicants

• Business profile
• Recent Form 26AS
• Income Proof: ITR with income computation for past 3 years
• Memorandum and Articles of Association of the company
• Balance sheet and profit & loss account statement for last 3 years
• Current account statement of business entity
• Savings account statement of individual for past 6 months

Also Check Home Loan EMI Calculator