Shubham Housing Finance, Highlights 2023 | |
Interest rates | 9.90% to 16% p.a. |
Loan amount | Up to Rs 50 Lakh |
Repayment tenure | Up to 20 years |
Note: Interest rates as of 29th March 2023

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Table of Contents |
Shubham Housing Finance Interest Rates
Shubham Housing Finance offers interest rates starting from 9.90% to 16% p.a.

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Compare Home Loan Interest Rate Offered by Various Banks & HFCs
Name of Lender | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh |
SBI | 8.50% - 10.15% | 8.50% - 10.05% | 8.50% - 10.05% |
HDFC | 8.50% - 10.35% | 8.50% - 10.60% | 8.50% - 10.70% |
LIC Housing Finance | 8.45% – 10.10% | 8.45% – 10.30% | 8.45% – 10.50% |
ICICI Bank | 9.00%-9.80% | 9.00%-9.95% | 9.00%-10.05% |
Kotak Mahindra Bank | 8.85% onwards | 8.85% onwards | 8.85% onwards |
PNB Housing Finance | 8.50% - 14.50% | 8.50% - 13.00% | 8.50%-10.85% |
Punjab National Bank | 8.65%-9.60% | 8.60%-9.50% | 8.60%-9.50% |
Bank of Baroda | 8.50% - 10.65% | 8.50% - 10.65% | 8.50% - 10.90% |
Union Bank of India | 8.75% – 10.75% | 8.75% – 10.95% | 8.75% – 10.95% |
IDFC First Bank | 8.85% onwards | 8.85% onwards | 8.85% onwards |
L&T Housing Finance | 8.60% onwards | 8.60% onwards | 8.60% onwards |
Bajaj Housing Finance | 8.70% onwards | 8.70% onwards | 8.70% onwards |
Tata Capital | 8.95% onwards | 8.95% onwards | 8.95% onwards |
Federal Bank | 10.15%-10.20% | 10.20%-10.25% | 10.25%-10.30% |

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Shubham Housing Finance Home Loan Fees and Charges
Administrative & operational cost (at login additional) (to be taken only if the customer has identified the property and wish to pay upfront) | Rs 2,000 |
Administrative & operational cost (at login) | Rs 3,600 (inclusive of GST) |
Administrative & operational cost (at disbursal) | Up to 3 Lakh – Rs. 9500 + GST |
Above 3 Lakh and up to Rs. 6 Lakh – Rs. 13,500 + GST | |
Above 6 Lakh and up to Rs. 10 Lakh – Rs. 18,000 + GST | |
Above 10 Lakh and up to Rs. 12 Lakh – Rs. 27,000 + GST | |
Above 12 Lakh – Rs. 27,000 + 3% of loan amount over and above 12 Lakh + GST | |
Duplicate statement (per statement) | Rs 250 + GST |
EMI Payment Instrument Swapping Charges | Rs 500 + GST |
Duplicate interest certificate | Rs 250 + GST |
Copy of property documents | Rs 500 + GST |
Cheque/ECS/NACH/Bounce charges | Rs 500 + GST (each) |
Partial prepayment | NIL |
Preclosure charges | NIL |
Cersai Charges | Loan up to Rs. 5 Lakh – Rs. 50 + GST |
Loan Above Rs. 5 Lakh – Rs. 100 + GST | |
Late payment interest | NIL |
Foreclosure statement charges | Rs 500 + GST |

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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 Yodha Home Loan
- Purpose: Special home loan scheme for Covid 19 frontline workers
- Loan amount: Up to Rs 20 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

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Shubham Housing Finance Home Loan Eligibility Criteria
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 Yodha Home Loan
- Customer should be more than 21 years of age but not more than 65 years at the time of loan maturity
- The borrower should have a bank account
- The borrower should be residing in a city where Shubham’s office is located
- Employees working with municipal corporation / government employees, police, insurance companies
- MBBS doctors, Ayurvedic and Homeopathy doctors (with degree)
- Employees working in hospitals, maternity centres, medical laboratories, pharma companies
- Essential Service Providers: Local grocery stores, Atta chakki, Ration stores, Fruits-vegetables shops, chemist and super-markets
- Bank Employees Security guards
- Employees working as Plumber, Electrician in an apartment, group housing societies etc.
- Employees of e-commerce companies
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

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Shubham Housing Finance Home Loan Documents Required
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 Yodha Home Loan
- Application form along with the application fee
- Identity proof such as PAN card, Voter ID, Aadhar Card, Passport
- Address proof such as electricity bill, utility bill, and ration card
- Latest salary slip, if available
- Bank passbook or bank account statement
- Income Tax returns, if available
- Copies of the property papers
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 EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395

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