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India Shelter Finance Corporation Ltd. (ISFC) provides home loans to urban households @ 8.43% p.a. onwards for loan amounts of up to Rs 50 lakh and tenures of up to 20 years. The Housing Finance Company (HFC) claims to provide home loan approval within 5 days. Home Loan borrowers can use the loan proceeds for purchase of new home property, plot purchase, and for home construction, renovation and extension.
Competitive Interest Rates
Starting 8.43% 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
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15.5L Reviews
Competitive Interest Rates
Starting 8.43% 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
Compare & Choose the Best Offer
Curated Offers from Multiple Lenders
Highest Loan Approval Chances
Easy & Transparent Borrowing Process
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.
| Interest Rate | 8.43% p.a. onwards |
| Loan Amount | Rs 5 lakh to Rs 50 lakh (Rs 8 lakhs to Rs 40 lakhs for salaried applicants) |
| Loan Tenure | Up to 20 years |
| Processing Fees | Up to 4% of the sanctioned loan amount plus GST |
Note: Last updated on 6th January 2026
India Shelter offers home loans at competitive interest rates. However, individuals applying through Paisabazaar can avail home loan interest rate starting from 8.43% p.a. The HFC has not disclosed the differential home loan interest rates based on credit score, monthly income, occupation profile, etc. of their loan applicants, lenders usually consider these factors while setting the interest rates for their home loan applicants.
| Employment Type | Interest rate (p.a.) |
|---|---|
| Salaried | 8.43%-20.00% |
| Self-employed Professional | 8.43%-20.00% |
| Self-employed Non-Professional | 8.43%-20.00% |
| Employment Type | Interest rate (p.a.) |
|---|---|
| Salaried | 8.43%-20.00% |
| Self-employed Professional | 8.43%-20.00% |
| Self-employed Non-Professional | 8.43%-20.00% |
| Name of Lender | Interest Rates |
|---|---|
| Axis Bank | 8.35% 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. |
| Godrej Housing Finance | 7.75% 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 | 7.65% p.a. |
| IDBI Bank | 7.35% p.a. |
| IDFC FIRST Bank | 8.85% 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 | 7.70%* 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 | 7.75% p.a. |
*when applied through Paisabazaar
Rates as of 12th January 2026
| Particulars | Rates |
|---|---|
| Processing fees | Up to 4% of the sanctioned loan amount plus GST |
| Administrative Charges | Rs 600 plus |
| Particulars | Rates |
|---|---|
| Floating Interest Rate |
|
| Fixed Interest Rate |
|
| Particulars | Charges |
|---|---|
| Login Fees | Up to Rs 5,000 |
| Loan Cancellation Charges | Rs 10,000 (including GST) |
| Cash Handling charges | Rs 300 |
| Technical Charges (from 2nd disbursement onwards) | For loan amount up to Rs 20 lakh: Rs 600 for each technical visitFor loan amount above Rs 20 lakh: Rs 750
Charges to be deducted from disbursement amount |
| Conversion Charges (for switching from floating to fixed interest and vice-versa or Loan Repricing) | Up to 4% of Loan outstanding |
| Penal / Late Payment charges | 36% p.a. charged on overdue EMI / instalment amount |
Note: No charges levied on part-payments up to 15% of loan amount outstanding at beginning of financial year
Get a Home Loan For
Your Dream Home
The home loan eligibility criteria for loan applicants availing India Shelter Home Loans are as follows:
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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