Paisabazaar Logo - Compare loans and credit cards

Home Loan of Rs 10 lakh

When opting for a home loan of Rs. 10 lakh, it is pertinent to browse through multiple offers and select the one best suited for your finances. Key factors such as loan tenure, credit score, LTV ratio, and EMI affordability should be considered when making a decision. At Paisabazaar, you can explore multiple Rs. 10 lakh home loan offers from top lenders at competitive interest rates.

Check Home Loan Offers Online

4.5/5

15.5L Reviews

51M+Satisfied Customers
65+Lending Partners
800+Cities across India

Paisabazaar Exclusive Benefits

Icon image of Competitive Interest Rates

Competitive Interest Rates

Starting 7.10% p.a.

Icon image of Handpicked Home Loan Offers

Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

Icon image of Dedicated Customer Support

Dedicated Customer Support

Expert Assistance at Every Step

Icon image of Transfer Balance & Get a Top-Up Easily

Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

Illustration

Home Loan EMI Calculator

50 L
80 L
100 L
500 L
1000 L
50K15Cr
%
6%30%
1Y 30Y

Your Monthly EMI Payment

0
Principal Amount0
Interest Amount0
Total Amount0

Find Best Home Loan Offers

Sort by:

HDFC Bank
Min Loan Amt. 15L
Rate of Interest7.9% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee10,000
Axis Bank
Min Loan Amt. 30L
Rate of Interest8.25% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee14,000
ICICI Bank
Min Loan Amt. 15L
Rate of Interest8% - 9.8%
Tenure uptoUpto 30 Years
Processing Fee10,000
Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Curated Offers from <strong>Multiple Lenders</strong>

Curated Offers from Multiple Lenders

image of Highest <strong>Loan Approval Chances</strong>

Highest Loan Approval Chances

image of Easy & Transparent <strong>Borrowing Process</strong>

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.

Rs. 10 Lakh Home Loan: Interest Rates

The Rs. 10 lakh home loan interest rate starts at 7.10% p.a. However, the final interest rate will depend on other factors such as the credit score of the applicant, loan amount, LTV ratio, employer’s profile, etc.

Rs. 10 Lakh Home Loan EMI for 10 Years

Lender’s Name Interest Rate (% p.a.) EMI
SBI 7.50– 8.70 Rs 11,870 – Rs 12,506
HDFC Bank 7.90 onwards Rs 12,080 onwards
ICICI Bank 8.00 onwards Rs 12,133 onwards
Bank of Baroda 7.45 onwards Rs 11,844 onwards
Union Bank of India 7.35 onwards Rs 11,792 onwards

Swipe to see more table data

Rs. 10 Lakh Home Loan EMI for 20 Year Tenure

Lender’s Name Interest Rate (% p.a.) EMI
SBI 7.50– 8.70 Rs 8,056 – Rs 8,805
HDFC 7.90 onwards Rs 8,302 onwards
ICICI Bank 8.00 onwards Rs 8,364 onwards
Bank of Baroda 7.45 onwards Rs 8,025 onwards
Union Bank of India 7.35 onwards Rs 7,964 onwards

Swipe to see more table data

Rs. 10 Lakh Home Loan EMI for 30 Year Tenure

Lender’s Name Interest Rate (% p.a.) EMI
SBI 7.50– 8.70 Rs 6,992 – Rs 7,831
HDFC 7.90 onwards Rs 7,268 onwards
ICICI Bank 8.00 onwards Rs 7,338 onwards
Bank of Baroda 7.45 onwards Rs 6,958 onwards
Union Bank of India 7.35 onwards Rs 6,890 onwards

Swipe to see more table data

Get a Home Loan For
Your Dream Home

Avail Home Loan Banner

Rs. 10 lakh Home Loan Eligibility Criteria

The Rs. 10 lakh home loan eligibility criteria may differ across multiple lenders. However, home loan applicants are usually required to fulfill some of the following conditions for availing home loans:

Eligible Profiles: Most lenders offer home loans to salaried and self-employed Indian residents. Some also provide NRI home loans to NRIs and PIOs.

Age Criteria: Applicants must be at least 18 years old. Lenders typically require the loan to be fully repaid by the age of 70.

Credit Score Requirement: A credit score of 750 or above is preferred, as it reflects financial discipline and may qualify borrowers for lower interest rates.

Improving Eligibility: Applicants can boost their eligibility for home loan of Rs. 10 lakh by adding earning family members as co-borrowers

Apart from the criterion mentioned above, lenders might also consider their applicant’s monthly income, occupation and employer profile, age of the property, liabilities, assets, etc. while ascertaining their home loan eligibility.

Documents Required For Rs. 10 Lakh Home Loan

Loan applicants usually submit multiple documents while applying for home loans. Some of the home loan documents usually required by lenders are mentioned below:

  • Duly filled application form
  • Identity proof
  • Address proof
  • Income proof (both for salaried and self-employed)
  • Age proof
  • Proof of business (for self-employed applicants)
  • Proof of employment (for salaried applicants)
  • Property related documents
  • Estimated property cost

Loan applicants must note that the above home loan document list is not exhaustive,as banks/HFCs may ask their applicants to furnish additional documents for a home loan of Rs. 10 lakh based on the loan applicants’ profile.

Why Choose Paisabazaar as Your Home Loan Partner

  • Top Loan Offers – Curated deals from 30+ trusted lenders
  • Balance Transfer – Lower your interest rate with balance transfer loan options
  • Overdraft Facility – Reduce interest by utilizing surplus funds smartly
  • Dedicated Support – Get complete assistance from application to disbursal

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.

Get a Home Loan For
Your Dream Home

Avail Home Loan Banner

FAQs

Home loan interest rates start at 7.35% p.a. However, your final interest rate will depend on various factors, including credit score, tenure of the loan and other criteria.

You can easily use the Paisabazaar’s home loan EMI calculator. Simply head to Paisabazaar’s Home Loan EMI calculator page and calculate your EMI in seconds.

Apart from the interest rate on your home loan, your EMI will also depend on the tenure of your home loan. For example, if the interest rate is 7.90 p.a. for a tenure of 10 years, then your EMI will be around Rs. 12,080.

Generally, 3-4 times the Rs. 10 lakh home loan EMI to ensure affordability without financial strain.

Generally, lenders require documents like income proof, property papers, KYC documents and others while providing a home loan.

quotes icon

What our customers say

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.

icon image of avatar
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.

icon image of avatar
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!

icon image of avatar
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.

icon image of avatar
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.

icon image of avatar
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.

icon image of avatar
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.

icon image of avatar
Soumil KhannaSep 3, 2021

Need to work on customer service

I had applied for a home loan at Paisabazaar. All was good till documentation process came. I had some questions regarding the documents to be submitted so I first called bank and I could not connect to their loan officer. So, I called Paisabazaar and to connect with them I again had to wait too long. They took their sweet time even in resolving my issue. I had expected prompt service from the bank and Paisabazaar and couldn’t get it.

icon image of avatar
Vrinda PathakSep 3, 2021

Had excellent experience with Paisabazaar

My experience with Paisabazaar was simply excellent. Their website had detailed information of all banks. Their customer care team also helped me choose the best option. Applying for a home loan with Paisabazaar was smooth and quick. And if there was any problem even after loan application, they were happy to resolve it. I had no problem throughout the loan process.

icon image of avatar
Sumit AroaSep 3, 2021

Happy with the service. Thumbs up!

I had applied for home loan at Paisabazaar and my experience was good here. Honestly, I thought I was making a mistake by not applying through bank website but in the end all turned out good. I had no isses during the loan process. Their customer care team is also prompt in resolving the issues.

icon image of avatar
Vikram JeetMay 12, 2021
View All Testimonials
Sumit Kumar profile
Written ByLinkedIn icon
Sumit Kumar
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

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

*Applicable for selected customers