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| 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 7th January 2026
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Table of Contents |
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
Shubham Housing Finance – Home Loan Fees and Charges
|
Shubham Housing Finance – Fees & Charges |
|
| Description | 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 |
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 Home Loan EMI Calculator
Applicants can use Shubham Housing Finance Home Loan EMI Calculator given on the official website of Shubham Housing Finance to calculate the interest cost and EMIs payable throughout the loan tenure. Alternatively, applicants can also use the Home Loan EMI Calculator given below for instant results.
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
Shubham Housing Finance Customer Care
Phone Number- 18002582225
Whatsapp Number- 8595521769
Email Id- customercare@shubham.co
FAQs on Shubham Housing Finance
1. What is the current home loan interest rate offered by Shubham Housing Finance?
Ans. Shubham Housing Finance offers home loan interest rates starting from 10.45% p.a. onwards depending on the applicant’s credit profile.
2. How can I apply for Shubham Housing Finance online?
Ans. 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.
3. What is the maximum home loan tenure offered by Shubham Housing Finance?
Ans. The maximum tenure for Shubham Housing Finance home loan is up to 30 years.
4. Can I make part prepayment towards Shubham Housing Finance home loan? Are there any charges applicable?
Ans. 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.