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Motilal Oswal Home Finance Home Loan

Motilal Oswal Home Finance offers home loans for purchase, construction, improvement and extension of properties at competitive interest rates. The lender also offers home loan balance transfer facility to the borrowers of other banks and HFCs to transfer their home loans to Motilal Oswal Home Finance at low interest rates.
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4.5/5

15.6L Reviews

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

Starting 7.10% p.a.

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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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Motilal Oswal Home Loan Highlights

Interest Rate 12.00% - 15.75%
Loan Amount Rs. 5 lakh - Rs. 50 lakh
Loan Tenure 5 - 25 years
Processing Fee Up to Rs. 10,000

Motilal Oswal Home Loan Interest Rates

Motila Oswal home loan interest rates start from 12% p.a. The lender offers its differential interest rates based on the nature of the loan, creditworthiness of the borrower, nature of security, product type, job profile, repayment capacity, past repayments, loan tenure, geographical location of the borrower, end use of the loan, etc.

Job Profile Interest Rate (p.a.)
Salaried 12.00% - 15.75%
Self-employed 13.25% - 15.75%

Comparison Table of Home Loan Interest Rates Offered by Top 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.
Godrej Housing Finance 7.60% 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.

Motilal Oswal Home Loan Variants

Home Purchase Loans

Motilal Oswal offers home loans to buy a ready or under construction residential property or construct a residential property on their own land.

Home Construction Loan

The HFC offers home loan for construction of residential property with loan disbursal as per the construction stage of property.

Home Improvement Loan

Prospective borrowers can avail home improvement loans from Motilal Oswal Home Finance for the renovation of existing property, such as tiling, flooring, painting, roofing, plumbing work, furniture work, electrical work, etc.

Home Extension Loan

Applicants can also avail home loans from Motilal Oswal Home Finance to make extension to your existing home to make space for a comfortable living.

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Your Dream Home

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Eligibility Criteria for Applicants Availing Motilal Oswal Home Finance Home Loan

Motilal Oswal Home Finance has not disclosed its home loan eligibility criteria. However, applicants can follow the below-mentioned eligibility criteria while applying for a home loan.

  • The minimum age of the applicant should be 21 years at the time of loan application and the maximum age of the applicant at the time of loan maturity should be 70 years.
  • The eligible applicants should have a minimum credit score of 750 and above.
  • Salaried and self-employed applicants are eligible for Motilal Oswal home loans.
  • The EMI/NMI ratio of the applicant should be below 55%, including the existing EMIs and EMIs of the proposed home loans.

Documents Required During Motilal Oswal Home Loan Application

Motilal Oswal has not disclosed the documents required during home loan application. However, the applicants can have the below-mentioned home loan documents ready during loan application.

  • ID proof - Aadhar card, passport, voter ID, PAN card, driving license
  • Address proof - Utility bills (telephone bill, electricity bill, gas bill, etc.), Aadhar card, voter ID, PAN card, driving license, passport
  • Salary slip for last 3 months
  • Bank statement for last 6 months
  • Recent ITR
  • Audited P&L statement for last 2 years
  • Business proof
  • Property documents

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

Explore Our Home Loan Lenders

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FAQs

What is the interest rate offered to Motilal Oswal home loan?

As of March 2026, Motilal Oswal offers home loan interest rates start from 12% p.a. for salaried individuals and 13.25% p.a. for self-employed depending on the creditworthiness of the borrower.

What maximum home loan amount can I get from Motilal Oswal Home Finance?

You can get a maximum home loan amount of Rs. 50 lakh depending on the repayment capacity of the borrower.

What are the processing charges of Motilal Oswal home loans?

The processing charges for Motilal Oswal home loans range up to Rs. 10,000.

What is the maximum tenure offered for a Motilal Oswal home loan?

The maximum tenure of Motilal Oswal home loan ranges up to 25 years.

Can I switch my existing home loan to Motilal Home Finance?

Yes, you can switch your existing home loan to Motilal Home Finance at lower interest rates by opting for a home loan balance transfer facility.

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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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