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Satin Housing Finance

Home Home Loan Satin Housing Finance

Satin Housing Finance offers home loans at an interest rate starting from 9.00% p.a. for loan amounts up to Rs. 40 lakh with repayment tenure of up to 20 years with flexible repayment options. Satin Housing Finance Ltd. (SHFL) provides long-term housing loans to customers from low and middle-income groups living in rural, semi urban and urban areas.

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Updated: 04-04-2025 10:09:02 AM

Disclaimer: Satin Housing Finance is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Satin Housing Finance for home loans. No offers/services from Satin Housing Finance are being provided by Paisabazaar for home loans. For further information about Satin Housing Finance for home loans, users are required to reach out directly to Satin Housing Finance

                                             Satin Housing Finance – Highlights – 2025
Features Urban Home Loan Micro Home Loan
Interest rate 9% p.a. onwards 9% p.a. onwards
Loan Amount Rs. 5 lakh – Rs. 40 lakh Rs. 1 lakh – Rs. 7 lakh
Repayment Tenure Up to 20 years Up to 7 years

Interest Rate updated as of 4 April 2025.

Note: The processing fee charged are applicable as per the company policy and are subject to changes from periodically.

Satin Housing Finance Interest Rates

Urban Home Loan 9% p.a. – 25% p.a.
Micro Home Loan 9% p.a. – 25% p.a.

Compare Interest Rates of Home Loans for Top Banks & HFCs

Name of LenderLoans of Up to Rs. 30 Lakh
Bank of India7.10% p.a. onwardsCheck Eligibility
State Bank of India7.25% p.a. onwardsCheck Eligibility
Punjab National Bank7.20% p.a. onwardsCheck Eligibility
Canara Bank7.15% p.a. onwardsCheck Eligibility
HDFC Bank7.90% p.a. onwardsCheck Eligibility
Bajaj Housing Finance7.40% p.a. onwardsCheck Eligibility
ICICI Bank7.65% p.a. onwardsCheck Eligibility
Axis Bank*8.25% p.a. onwardsCheck Eligibility
Federal Bank*7.90% p.a. onwardsCheck Eligibility
Kotak Mahindra Bank7.70% p.a. onwardsCheck Eligibility
IDFC FIRST Bank8.85% p.a. onwardsCheck Eligibility
IDBI Bank7.35% p.a. onwardsCheck Eligibility
RBL Bank8.20% p.a. onwardsCheck Eligibility
Tata Capital Housing Finance7.75% p.a. onwardsCheck Eligibility
PNB Housing Finance*7.20% p.a. onwardsCheck Eligibility
Sammaan Capital
(Formerly known as Indiabulls Housing Finance)		8.75% p.a. onwardsCheck Eligibility
India Shelter Home Loan8.43% p.a. onwardsCheck Eligibility
L&T Finance Limited*8.40% p.a. onwardsCheck Eligibility
Godrej Housing Finance7.75% p.a. onwardsCheck Eligibility
Home First Finance8.00% p.a. onwardsCheck Eligibility
Easy Home Finance8.99% p.a. onwardsCheck Eligibility
Piramal Capital Housing Finance*8.25% p.a. onwardsCheck Eligibility
Shubham Housing Finance10.45% p.a. onwardsCheck Eligibility
Punjab & Sind Bank7.30% p.a. onwardsCheck Eligibility
Jio Housing Finance8.20% p.a. onwardsCheck Eligibility
HDFC Sales Pvt Ltd7.90% p.a. onwardsCheck Eligibility

Types of Home Loans from Satin Housing Finance

The Housing Finance Company (HFC) offers home loans that can be availed for various purposes, such as buying new home, home construction, extension of existing home and home improvement. Below mentioned are the types of home loan products offered Satin Housing Finance at affordable interest rates:

Home Purchase: SHFL offers home loans for the purchase of ready built and under-construction residential property.

Home Construction: The housing finance company offers loans for the construction of residential properties.

Home Extension: It offers loans for home extension purposes on existing residential houses. The home extension can be used in form of adding an extra room or floor, building larger bathroom, enclosing an open balcony, etc.

Home Improvement: HFC offers loans for the renovation or makeover of internal and external areas of existing residential houses. The works include painting, plumbing, roofing and waterproofing on terrace, construction of tanks, etc.

Satin Housing Finance Home Loan EMI Calculator

Home Loan EMI Calculator
₹
%
Year(s)
Home Loan EMI Calculator

Monthly EMI ₹ 15,622

Total Amount Payble ₹ 5,62,395(Principal + interest)

Principal Amount ₹ 5,00,000

Total Interest Payble ₹ 62,395

Satin Housing Finance Fees & Charges

Particulars Charges
Admin Charges Applicable as per company’s policy and are subject to change periodically
Prepayment charges / Foreclosure Charges 4% + applicable taxes on any payment done

within 36 months of disbursement
Overdue charges on delayed payments 2% per month of the outstanding dues
Cheque Bouncing Charges Rs. 1180 (taxes included)
Recovery Agent Charges Rs. 1180 (taxes included) per recovery
Cheque Replacement/ Swap Charges Rs. 1180 (taxes included)
Demand Draft/ Pay Order charges Rs. 150 per lakh or actual bank charges
Conversion or Recovery charges As applicable
Document Retrieval charges Rs. 1180 (taxes included)
Foreclosure statement charges Rs. 1180 (taxes included)
Duplicate Statement/ Certificate Rs. 1180 (taxes included)
Duplicate No Dues certificate Rs. 1180 (taxes included)
CERSAI filing charges Rs. 59 (taxes included)

Eligibility Criteria

Below mentioned is the eligibility criteria as required by the company to avail home loan from Satin Housing Finance:

  • Age: Minimum 21 years at time of loan application and maximum 70 years at the time of loan maturity
  • Borrower should hold an active bank account
  • Eligibility to avail home loan depends on the applicant’s income, repayment capacity and cost of the proposed property, etc.

Documents Required

Find below the required documents to be submitted at the time of loan application:

  • Duly filled application form and Passport-sized photographs
  • KYC documents of the applicant and co-applicant, if applicable
  • Identity Proof: Passport, PAN card, Voter ID, etc.
  • Address proof: Passport, Ration card, Utility Bill (Electricity)
  • Income Proof: Latest salary slips, Form 16, ITR, etc.
  • Bank passbook or bank statement
  • Property documents
  • Business vintage proof, if any

Satin Housing Finance Customer Care

Helpline Numbers: 1800-120-40-50-60 / (+91) 0124 -4346200

 

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