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Shubham Housing Finance Home Loan

Shubham Housing Development Finance Company Limited, popularly known as Shubham Housing Finance, offers Home Loans for up to Rs 50 Lakh at interest rates starting from 10.45% p.a. for repayment tenures of up to 20 years. Existing home loan borrowers of other banks and HFCs can avail Shubham Housing Loan Balance Transfer facility to transfer their existing home loans to this lender at lower interest rates.
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Competitive Interest Rates

Starting 10.45% 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.

Shubham Housing Finance Home Loan Highlights

Interest rates 10.45% p.a. onwards
Loan amount Up to Rs 50 Lakh
Repayment tenure Up to 30 years
Processing Fees 0.50% onwards of the loan amount

Note: Interest rates as of 4th February 2026

Shubham Housing Finance Rate of Interest

Shubham Housing Finance home loan applicants can avail home loan interest rates starting from 10.45%. The lender offers differential interest rates depending on the applicant’s profile, type of applicants and the underlying property. However, just like many lenders, it may also consider the credit score, employer’s profile, minimum monthly income, etc. while setting the home loan interest rates for its applicants.

Type of Customer Rate of Interest – Fixed (p.a.) Rate of Interest – Floating (p.a.)
Salaried 11.95% to 18.60% 10.45% to 17.10%
Cash Salaried 12.40% to 20.60% 10.90%to 19.10%
Self Employed 12.49% to 20.60% 10.99% to 19.10%

Compare Home Loan Interest Rate Offered by Various Banks & HFCs

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.
State Bank of India 7.25% p.a.
Tata Capital Housing Finance 7.50% p.a.

*when applied through Paisabazaar

Rates as of 4th February 2026

Shubham Housing Finance – Home Loan Fees and Charges

Particulars Charges
Administrative and Operational Costs – At Login Up to 7,500 (inclusive of GST)
Administrative and Operational Costs – Disbursal Up to 3% on sanctioned loan amount
Partial Payment Charges Nil – For Home Loan
Pre-closure charges Nil – For Home Loan
Late payment Charges 24% per annum on over dues EMI’s
Administrative charges for interest rate type switchover Rs. 5,000
Loan Documentation Charges Rs. 1,000
Cheque / ECS / NACH / SI bounce charges Rs. 500 per instance
Duplicate Statement (per Statement) Rs. 500
Property Swapping Charge Rs. 3,000
Foreclosure Statement charges Rs. 1,000
Legal Charges As per actuals
Statuary Charges if any As per actuals
EMI Payment Instrument Swapping Charges Rs. 500
Copy of Property Documents Rs. 1,000
CERSAI Charges Rs. 50, if loan amount up to Rs. 5 Lakhs
Property Swapping Charges Rs. 3000
Valuation fee in Construction Linked Loan cases First visit: No charges & subsequent visits: Rs. 700
Valuation fee for Property Revisit Rs. 1,500
Document retrieval charges on closure of loan (excluding maturity closure) Rs. 1,000

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Types of Shubham Housing Finance Home Loans

Shubham Home Loan

  • Purpose: To purchase a new/old house/flat or a plot to construct a home or construct a home on an already owned plot or extend a home to build extra space or additional floor.
  • Loan amount: Up to Rs 50 Lakh
  • Loan tenure: Up to 20 years

Shubh Shakti Home Loan

  • Purpose: To help working women purchase their own home
  • Loan amount: Up to Rs 50 Lakh
  • Loan tenure: Up to 30 years

Shubham Housing Finance Eligibility Criteria

The home loan eligibility criteria required for availing different types of Shubham Housing Loan schemes are mentioned below:

For Shubham Home Loan

  • Customers should be more than 21 years of age but not more than 65 years at the time of loan maturity.
  • Borrowers should have a bank account.
  • Borrower should be residing in a city where Shubham’s Office is located.
  • No guarantor required.
  • All the owners of the property being financed and all individuals whose income has been considered for the loan have to be the co-applicants to the loan.

For Shubh Shakti Home Loan

  • The woman applicant must be the primary income contributor and the primary applicant to the loan
  • The woman applicant must be the sole owner or one of the co-owners of the business
  • Customer should be more than 21 years of age but not more than 65 years at the time of loan maturity
  • Borrower should have a bank account
  • Borrower should be residing in a city where Shubham’s Office is located
  • All the owners of the property being financed and all individuals whose income has been considered for the loan have to be the co-applicants to the loan

Shubham Housing Finance Documents Required

The home loan documents required by Shubham Housing Finance are listed below:

For Shubham Home Loan

  • Application form with all required details filled in.
  • Identity proof such as Pan Card, Voters ID Card, Passport.
  • Address proof such as electricity bill, ration card.
  • Income proof documents, if available.
  • Bank pass book or Bank Statements.
  • Property documents, if property is identified.

For Shubh Shakti Home Loan

For Self-employed Women

  • Application form with all required details filled in
  • Identity proof such as Pan Card, Voters ID Card, Passport, Aadhar card
  • Address proof such as electricity bill, ration card
  • Income proof documents, if available
  • Bank passbook or bank Statements
  • Copy of the property papers

For Salaried Women

  • Application form with all required details filled in and application fee
  • Identity proof such as PAN card, Voter ID, Aadhaar Card, Passport
  • Address proof such as electricity bill, utility bill, ration card Latest salary slip, if available
  • Bank passbook or bank account statement
  • Income Tax returns, if available
  • Copy of the property papers

Shubham Housing Finance Customer Care

Phone Number- 18002582225

Whatsapp Number- 8595521769

Email Id- customercare@shubham.co

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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FAQs

Shubham Housing Finance offers home loan interest rates starting from 10.45% p.a. onwards depending on the applicant’s credit profile.

Prospective home loan applicants can apply for Shubham Housing Finance online through the official website of Shubham Housing Finance. Applicants should also visit online financial marketplaces like Paisabazaar.com to compare the home loan interest rates offered by various lenders.

The maximum tenure for Shubham Housing Finance home loan is up to 30 years.

Yes, you can make prepayment towards Shubham Housing Finance home loan. The lender offers home loans at floating interest rates, hence, no prepayment charges are levied on making prepayments.

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