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India Shelter Home Loan

India Shelter Finance Corporation Ltd. (ISFC) provides home loans to urban households @ 14% p.a. 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.
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Lowest interest rates starting from 7.1%

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5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Competitive Interest Rates

At 14% p.a.

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Offers from 25+ Banks & HFCs

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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.

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India Shelter Home Loan Highlights

Interest Rate 14.00% p.a.
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

Last updated on 14th April 2026

India Shelter Home Loan Interest Rates

India Shelter offers home loans at competitive interest rates. However, individuals applying through Paisabazaar can avail home loan interest rate starting from 14% 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.

Fixed Rates

Employment Type Interest rate (p.a.)
Salaried 10.00%-19.99%
Self-employed Professional 10.00%-19.99%
Self-employed Non-Professional 10.00%-19.99%

Floating Rates

Employment Type Interest rate (p.a.)
Salaried 14.00%
Self-employed Professional 14.00%
Self-employed Non-Professional 14.00%

Comparison of India Shelter Home Loan Interest Rates with Other Lenders

Name of Lender Interest Rates
Axis Bank 8.00% - 11.90% p.a.
Bajaj Housing Finance 7.15% p.a. onwards
Bank of India 7.10% - 10.25% p.a.
Canara Bank 7.15% - 10.00% p.a.
Easy Home Finance 8.99% p.a. onwards
Federal Bank 7.30% - 10.75% p.a.
Godrej Housing Finance 7.60% p.a. onwards
HDFC Bank 7.20%* p.a. onwards
HDFC Sales Pvt. Ltd. 7.20%* p.a. onwards
Home First Finance 8.00% p.a. onwards
ICICI Bank 7.45% p.a. onwards
IDBI Bank 7.35% p.a. onwards
IDFC FIRST Bank 8.85% p.a. onwards
Jio Housing Finance 8.20% p.a. onwards
L&T Finance Limited 7.65%* p.a. onwards
Piramal Capital Housing Finance 9.99% p.a. onwards
PNB Housing Finance 7.50% p.a. onwards
Punjab & Sind Bank 7.30% - 10.70% p.a.
Punjab National Bank 7.25% - 9.30% p.a.
RBL Bank 8.20% p.a. onwards
Sammaan Capital (Formerly known as Indiabulls Housing Finance) 8.75% p.a. onwards
Shubham Housing Finance 10.45% p.a. onwards
State Bank of India 7.25% - 8.95% p.a.
Tata Capital Housing Finance 7.50% p.a. onwards

*when applied through Paisabazaar
Rates as of 13th April 2026

Fees and Charges for India Shelter Home Loan

Processing fees and administrative charges

Particulars Rates
Processing fees Up to 4% of the sanctioned loan amount plus GST
Administrative Charges Rs 600 plus

Prepayment/Foreclosure Charges

Particulars Rates
Floating Interest Rate
  • For individual borrowers and for non-business use: Nil
  • For business use or when the main borrower is not an individual:
    • Within 24 months of disbursement of last instalment: 6% of loan amount being paid
    • After 24 months of disbursement of last instalment of the Loan: 4.5% of loan amount being paid
Fixed Interest Rate
  • Within 24 months of disbursement of last instalment: 6% of loan amount being paid
  • After 24 months of disbursement of last instalment: 4.5% of loan amount being paid

Other Charges for India Shelter Loan Against Property

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

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India Shelter Home Loan Eligibility Criteria

The home loan eligibility criteria for loan applicants availing India Shelter Home Loans are as follows:

  • Both salaried and self-employed individuals are eligible to apply for the loan.
  • The age of loan applicants should be between 18 and 70 years.
  • The loan applicant should have a stable income source to repay the loan.
  • Applicants having higher credit scores are eligible for availing higher loan amounts. Additionally, home loan customers having credit scores of (-1) are also eligible for availing the loan.
  • Family members can be co-applicants for the home loan. The lender may consider their income to determine the loan amount.

Documents Required for Home Loan from India Shelter

  • Identity Proof – Voter ID card, PAN card, Passport, Driving License, etc.
  • Address Proof – Voter ID card, Aadhaar Card, Driving License, Passport, Electricity/water or telephone bill
  • Property documents: Title Deeds and proof of no encumbrances on the property
  • Income proof:
    • For salaried: Salary slips, bank statement or Form 16 and salary certificate
    • For self-employed: IT Returns and/or financial statements of last 3 years, informal income documents
  • Cheque For Processing Fee
  • Last 6 month bank statements (for salaried) and proof of business existence (for self-employed)

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.

Apply Now

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FAQs

India Shelter offers home loans interest rates between 8.43% and 20.00% p.a. to its loan applicants. However, the final interest rates offered by the lender may depend on their loan applicants’ credit scores, income, occupation profile, repayment capacity, value of the pledged home property, etc.

India Shelter offers home loan products like home loans, home improvement loans, loan for plot purchase & construction and loan against property.

Prospective applicants aged between 18 and 70 years, having a stable source of income, can apply for India Shelter Home Loans. The lender offers its home loan scheme to both salaried and self-employed applicants.

The lender has not specified the minimum credit score requirements for its home loan applicants. However, home loan lenders usually approve home loan applications of those having credit scores of 750 and above.

India Shelter offers home loan repayment tenures of up to 20 years. However, the tenure for home loan applicants depends on their credit profile, income, age (at loan maturity), property’s age at loan maturity, etc.

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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...

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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..

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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.

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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.

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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.

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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!

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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.

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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.

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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.

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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.

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Soumil KhannaSep 3, 2021
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