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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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15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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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.

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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

Rates as of 14th April 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% - 11.90% p.a.
Bajaj Housing Finance 7.15% p.a. onwards
Bank of India 7.10% - 10.25% p.a.
Canara Bank 7.15% - 10.00% p.a.
Easy Home Finance 8.99% p.a. onwards
Federal Bank 7.30% - 10.75% p.a.
Godrej Housing Finance 7.60% p.a. onwards
HDFC Bank 7.20%* p.a. onwards
HDFC Sales Pvt. Ltd. 7.20%* p.a. onwards
Home First Finance 8.00% p.a. onwards
ICICI Bank 7.45% p.a. onwards
IDBI Bank 7.35% p.a. onwards
IDFC FIRST Bank 8.85% p.a. onwards
India Shelter Home Loan 14.00% p.a.
Jio Housing Finance 8.20% p.a. onwards
L&T Finance Limited 7.65%* p.a. onwards
Piramal Capital Housing Finance 9.99% p.a. onwards
PNB Housing Finance 7.50% p.a. onwards
Punjab & Sind Bank 7.30% - 10.70% p.a.
Punjab National Bank 7.25% - 9.30% p.a.
RBL Bank 8.20% p.a. onwards
Sammaan Capital (Formerly known as Indiabulls Housing Finance) 8.75% p.a. onwards
State Bank of India 7.25% - 8.95% p.a.
Tata Capital Housing Finance 7.50% p.a. onwards

*when applied through Paisabazaar
Rates as of 13th April 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.

Apply Now

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FAQs

What is the current home loan interest rate offered by Shubham Housing Finance?

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

How can I apply for Shubham Housing Finance online?

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.

What is the maximum home loan tenure offered by Shubham Housing Finance?

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

Can I make part prepayment towards Shubham Housing Finance home loan? Are there any charges applicable?

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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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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