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Repco Home Finance Home Loans

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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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Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

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Dedicated Customer Support

Expert Assistance at Every Step

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Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

Find Best Home Loan Offers

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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
Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Curated Offers from Multiple Lenders

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Highest Loan Approval Chances

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Easy & Transparent Borrowing Process

Repco Home Finance Loan Highlights

Interest Rate (floating) 9.60% p.a. onwards (0.25% concession for green homes)
Loan Amount Up to 80% of the property value (for purchase of house/flat)
Up to 85% of the project cost (for construction)
Up to 70% of the project cost (for remodeling/repair/renovation)
Loan Tenure Up to 25 years
Processing Charges 1% of the loan amount

Repco Home Finance Interest Rate

Repco home loan interest rates start from @ 9.60% p.a. onwards. The HFC also offers an interest rate concession of 0.25%  in card rates to home loan applicants opting for REPCO Green Home Loan scheme. The final home loan interest rate offered to the applicants depend upon age, monthly income, job profile, employer’s income, credit score, loan repayment history, etc.

Compare Home Loan Interest Rate Offered by Various Top Banks & HFCs

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

Repco Home Loan Fees and Charges

Particulars Charges Applicable
Processing fee 1% of the loan amount
Administrative fee 0.50% of the loan amount
CERSAI Charges For loans sanctioned before 7th March 2016- Rs 1,000/- per property
For loans sanctioned after 7th March 2016- Rs 150/- per property
CIBIL charges Rs 100 per individual
Prepayment charges NIL
Legal opinion fee NIL
Rate of interest conversion charges
  • A loan above Rs 50 lakhs- Rs 5,000
  • Loan of Rs 50 lakhs and below- Rs 2,000
Valuation report charges
  • Rs 2,500- Up to Rs 50 lakhs
  • Rs 3,000- Rs 50-100 lakhs
  • Rs 4,000- above Rs 100 lakhs
EC, Cheques and ACH bouncing charges Rs 250
Account Statement Provided free of cost only once for each financial year. Further, Rs 100 is charged for each copy.

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Your Dream Home

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Types of Repco Home Finance Schemes

Dream Home Loan

  • Purpose: For the purchase, sale, or resale of a property
  • Loan Amount: Up to 85% for construction and up to 80% for purchase of a house/flat
  • Tenure: 25 years

Home Makeover Loan

  • Purpose: For remodelling, repair, renovation, and alteration of your home property
  • Loan Amount: Up to 70% of the estimated renovation or repair cost; up to 50% of the post-development value of the building
  • Tenure: Up to 10 years

Plot Loan

  • Purpose: For the purchase of a vacant plot.
  • Loan Amount: Up to 75% of the cost of the plot.
  • Tenure: 10 years

NRI Housing Loan

  • Purpose: For the purchase and construction of a property for non-resident Indians
  • Loan Amount: Up to 85% of construction and up to 80% for the purchase of a residential property
  • Tenure: 10-15 years

Fifty Plus Loan

  • Purpose: For salaried individuals (especially government employees) above 50 years of age for construction/purchase of a property. Loan disbursements and repayments are structured on the basis of pension income/retirement terminal benefits
  • Loan Amount: Up to 85% for construction and up to 80% for purchase
  • Tenure: 20 years (repayment has to be completed by the age of 70 years)

Composite Loan

  • Purpose: Combined loan for plot purchase and house construction (Construction should be commenced within a maximum period of 6 months after obtaining necessary approvals)
  • Loan Amount: Up to 75% of the plot cost and up to 85% of the construction cost
  • Tenure: 25 years

Repco Nivaran Plus

  • Purpose: Top up loan scheme, a non-housing loan to fulfil the business development and liquidity needs of the existing customers
  • Tenure: 10 years

Repco Privilege Loan (Takeover + BT/Top-up Loan)

  • Purpose: Balance transfer or takeover of the loan at a low rate of interest
  • Tenure: Up to 2 years

Additional Home Loan Schemes offered by Repco Home Finance include Repco Green Home Loan, Repco Easy Home Loan, Repco Advantage Loan, Repco Home 25 and Fifty Plus Loan.

Eligibility Criteria for Repco Home Loan

  • The applicant should be an Indian resident, except for NRI housing Loan
  • The minimum age limit should not be less than 18 years
  • The maximum age limit should not exceed 70 years

Documents Required for Repco Home Finance

  • Address Proof of the applicant
  • ID proof
  • Recent passport-sized coloured photographs

For salaried individuals:

  • Last six months salary slips
  • Form-16
  • Employer ID card

For self-employed individuals:

  • Last 3 years income tax returns documents
  • Business Registration Certificate
  • Last 6 months bank statements of business accounts
  • GST returns for the past 6 months
  • Property documents
  • Details of any current loan

For NRI Individuals:

  • Passport/Visa/Work Permit
  • Current salary statement
  • Proofs for money transfer to India

Salaried or self-employed individuals planning to apply for home loan with Repco Home Finance can take the help of home loan EMI calculator to know their EMIs and total interest cost as per the offered interest rates and repayment tenure. This shall also help them in choosing the optimum loan tenure as per their repayment capacity.

Explore Our Home Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankSBI BankSBI Bank
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FAQs

Who can be the co-applicant to my home loan availed from Repco Home Finance?

Your spouse can be the co-applicant to your home loan availed from Repco Home Finance.

Can I choose between fixed and floating rates from Repco Home Loan?

Repco Home Finance offers home loans at floating rates only.

What is the minimum credit score required to avail home loans from Repco Home Finance?

Repco Home Finance has not specified any cut-off credit score for home loan applicants. However, applicants with credit score of 750 and above usually have higher chances of availing home loans. Lenders usually charge lower home loan rates for such applicants.

What is the turnaround time for the sanction of home loan availed from Repco Home Finance?

Repco Home Finance takes 4-7 working days for the sanction of home loans from the date of receipt of all the income/personal documents and processing fee as applicable. The HFC’s representative visits the applicant to validate the information. The documents are credit appraised and decision is taken on loan sanction. An offer letter along with the list of legal/property documents is delivered to the home loan applicant.

How long does it take for the disbursement of home loans availed from Repco Home Finance?

It takes 4-7 working days for the disbursement of home loans from the date of receipt of all the documents. The HFC’s representative visits the applicants and collects the legal/property documents, loan documents and PDC’s. An advocate from RHFL panel investigates the legal/ property documents. An officer from RHFL visits the property. The collaterals and proof of own contribution is submitted to the HFC. The disbursement cheque is then prepared.

What is the time limit for availing the sanctioned loan?

The sanctioned loan can be availed within 60 days from the date of sanction.

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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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