SRG Housing Finance

Disclaimer: SRG 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 SRG Housing Finance for home loans. No offers/services from SRG Housing Finance are being provided by Paisabazaar for home loans. For further information about SRG Housing Finance for home loans, users are required to reach out directly to SRG Housing Finance.

SRG Housing Finance Home Loan Highlights
Interest Rate	15.00%-26.00% p.a.
Loan Amount	As per the applicant’s profile
Loan Tenure	As per the applicant’s profile
Processing Fees	Up to 3% of the loan amount

Note: Rates as of 10 September 2025

SRG Housing Finance Home Loan Interest Rates

SRG Housing Finance interest rates start from 15.00% p.a. onwards. The home loan interest rates offered by the housing finance are fixed in nature.

Particulars	Interest Rates (p.a.)
Home Loan	15.00%-26.00%

Compare Interest Rates on Home Loans for Top Banks & HFCs

Name of Lender	Loans of Up to Rs. 30 Lakh
Bank of India	7.10% p.a. onwards	Check Eligibility
State Bank of India	7.25% p.a. onwards	Check Eligibility
Punjab National Bank	7.20% p.a. onwards	Check Eligibility
Canara Bank	7.15% p.a. onwards	Check Eligibility
HDFC Bank	7.90% p.a. onwards	Check Eligibility
Bajaj Housing Finance	7.40% p.a. onwards	Check Eligibility
ICICI Bank	7.65% p.a. onwards	Check Eligibility
Axis Bank	*8.25% p.a. onwards	Check Eligibility
Federal Bank	*7.90% p.a. onwards	Check Eligibility
Kotak Mahindra Bank	7.70% p.a. onwards	Check Eligibility
IDFC FIRST Bank	8.85% p.a. onwards	Check Eligibility
IDBI Bank	7.35% p.a. onwards	Check Eligibility
RBL Bank	8.20% p.a. onwards	Check Eligibility
Tata Capital Housing Finance	7.75% p.a. onwards	Check Eligibility
PNB Housing Finance	*7.20% p.a. onwards	Check Eligibility
Sammaan Capital (Formerly known as Indiabulls Housing Finance)	8.75% p.a. onwards	Check Eligibility
India Shelter Home Loan	8.43% p.a. onwards	Check Eligibility
L&T Finance Limited	*8.40% p.a. onwards	Check Eligibility
Godrej Housing Finance	7.75% p.a. onwards	Check Eligibility
Home First Finance	8.00% p.a. onwards	Check Eligibility
Easy Home Finance	8.99% p.a. onwards	Check Eligibility
Piramal Capital Housing Finance	*8.25% p.a. onwards	Check Eligibility
Shubham Housing Finance	10.45% p.a. onwards	Check Eligibility
Punjab & Sind Bank	7.30% p.a. onwards	Check Eligibility
Jio Housing Finance	8.20% p.a. onwards	Check Eligibility
HDFC Sales Pvt Ltd	7.90% p.a. onwards	Check Eligibility

SRG Housing Finance Home Loan Fees and Charges

Part-Prepayment Charges

Particulars	Fixed Rate
Part-prepayment or foreclosure	NIL (if foreclosed from own sources)
If prepayment through Balance Transfer from other Banks/NBFC//HFC and/or Financial Institution etc.	·         If the loan is closed within 12 months of the 1st disbursement: 5% on the outstanding principle amount would be charged and all part prepayments done ·         If the loan is closed after 12 months of the 1st disbursement: 3% on the outstanding principle would be charged and all part prepayments done in the last 12 months.

 Processing Fees & Other Charges

Particulars	Charges
Processing Fees	Up to 3% of the sanctioned loan amount
CERSAI Fees	Up to Rs 100
Login Fees	Rs 1,600 (for loans up to Rs 7 lakhs) Rs 2,500 (for loans above Rs 7 lakhs to Rs 20 lakhs) Rs 5,500 (for loans above Rs 20 lakhs)
Stamp Duty/Non Postal Stamp	As per applicable law of the state
Technical Fee /Valuation Fees (per Property)	·         For loans up to Rs 15 lakhs: Rs 2,500 (Rs 4,000 in Maharashtra) ·         For loans above Rs 15 lakhs:  Rs 3,500 (Rs 4,000 in Maharashtra)
Late Payment Interest/Penal Interest	3% p.m. (36% p.a.) for defaulted/delayed on the interest/charges due/instalments
Cheque/ECS Bounce Charges/Late Payment Charges (Per Instrument/Transaction)	Rs 500 per instrument
Duplicate No dues certificate	Rs. 500
Non-encumbrance Certificate / Search Report (per Property)	For loans up to Rs 15 lakhs: Rs 2,500 (Rs 4,000 in Maharashtra) For loans above Rs 15 lakhs:  Rs 3,500 (Rs 4,000 in Maharashtra)
List of document (LOD) Charges	Rs 550
Copy of property documents	Rs 550
Duplicate Annual Account statement, provisional certificate	Rs 500
File Cancellation Charges	Minimum Rs 5,500 + Actual expenses incurred
Recovery Charges	As actual

Types of SRG Housing Finance Home Loan

SRG Home Loan for New Purchase

Home Loan for New Purchase from SRG Housing Finance provide financing for the purchase of a new home.

SRG Home Loan for Construction

Prospective borrowers can avail construction home loans from SRG Housing Finance to construct new house on land/plots already owned by them.

SRG Home Loan for Repair, Renovation & Extension

SRG Housing Finance offers Home Loan for Repair, Renovation & Extension for extending, repairing and renovating their existing properties.

SRG Home Loan for Resale Home Purchase

Home loan applicants planning to purchase previously owned residential properties can avail Home Loan for Resale Home Purchase from SRG Housing Finance.

SRG Home Loan for Plot & Construction

SRG Housing Finance offers a Home Loan for Plot & Construction facility for plot purchase and thereafter financing the construction of residential property on the plot purchased through loan.

SRG Housing Finance Balance Transfer Loan

Existing home loan borrowers can transfer their existing home loans to SRG Housing Finance through the Balance Transfer Home Loan facility. Borrowers can also avail top-up loan, renovation, or repair or construction loan along with a balance transfer.

SRG Housing Finance Top-up Loan

The HFC offers Top-up Loan i.e., an additional loan amount over and above your existing home loan to meet marriage, child’s education, medical, working capital, home renovation or any other personal and professional requirements. This facility is offered to existing home loan borrowers of other lenders.

Eligibility Criteria for SRG Housing Finance

Stated below are the eligibility criteria for availing home loans from SRG Housing Finance:

• The applicant should be Indian Resident
• The home loan is offered to only self-employed and salaried individuals
• The housing finance also consider age, income, tenure and credit score for determining the home loan eligibility of an applicant

SRG Housing Finance Home Loan Documents

Stated below are the documents required for availing home loan from SRG Housing Finance:

For Salaried Individuals

• KYC Documents
• Original and photocopies of Property documents against which home loans is to be taken
• Copy of all bank statements for the last 6 months including front page
• Last 3 months salary slip/salary certificate
• Latest Form – 16 if applicant’s salary is above Rs.10,000/- per month
• Company profile (for lesser known organization)

For Self Employed Individuals

• KYC Documents
• Original and photocopies of property documents against which home loans is to be taken
• Income Tax Returns of last 3 years along with income computation duly attested by a Chartered Accountant
• Balance Sheet and Profit & Loss Account of the firm of last 3 years duly attested by a Chartered Accountant
• Last 1 year bank statement for savings and current account
• Copy of either VAT Registration or Shop & Establishment License or any other mandatory license or registration
• Copy of the Partnership Deed (if Applicable)
• Copy of Tax Deduction certificate / Form – 16A (if applicable)
• Contract Details (if applicable)
• Copy of Advance Tax paid / self-assessment tax paid Challan
• Copy of educational qualification certificate (applicable for professionals)
• Copy of professional practice certificate (applicable for professionals)

KYC Compliance

• PAN Card
• Aadhar Card
• Driving License
• Passport
• Voters ID Card
• Letter from a recognized public authority or public servant verifying the identity and residence of the customer to the satisfaction of company.
• Residence Proof (any one required):
  • Telephone bill
  • Electricity Bill
  • Ration Card
  • Bank account statement
  • Aadhar Card
  • Letter from employer
  • Passport and photograph

How to Apply for SRG Housing Finance Home Loan

Customers can apply for SRG Housing Finance Home Loan by visiting the nearest SRG Housing Finance Ltd. branch. But before you apply for the loan, check your credit score and home loan eligibility to reduce the chances of loan rejection. To improve home loan eligibility, customers can also apply for the home loan jointly.

Check Home Loan EMI Calculator

SRG Housing Finance Customer Care

Customers with home loan related queries and complaints can get them resolved through the following ways:

Call: 1800 121 2399 (toll-free number)

Alternate number: +91-800 374 7666

Email ID: info@srghousing.com

Postal Address of Registered Office:
1046, 10th Floor, Hubtown Solaris,
N.S.Phadke Marg, Near East West Flyover, Andheri (E),
Mumbai, Maharashtra – 400 069

Pgostal Address of Corporate Office:
321 S.M. Lodha Complex, Near Shastri Circle,
Udaipur, Rajasthan, India – 313001

FAQs on SRG Housing Finance

1. What is the maximum loan amount that an applicant can borrow from SRG Housing Finance?
Ans. SRG Housing Finance usually offers home loan in the range of 45% to 75% of the property’s market value. The amount of loan varies from one home loan scheme to another and may vary from Rs. 1 lakh to Rs. 2 crore.

2. What is the repayment period of SRG Housing Finance Home Loans?
Ans. The loan tenure of SRG Housing Finance Home loan repayment period usually ranges from 5 to 15 years. In special case SRG HFCs also offer a 20-year repayment period, usually at a higher interest rate. NRIs can avail the loan for a maximum period of 7 years.

3. How will SRG Housing Finance determine home loan eligibility of a loan applicant?
Ans. Your loan repayment capacity is the primary factor that SRG Housing Finance will look at when considering your loan application. Your lender will have no problem in lending you money if you have regular and stable income to repay it bank on time. To assess your repayment capacity, several parameters are taken into consideration such as your income, age, qualifications, number of dependents, spouse’s income, assets, liabilities, stability and continuity of occupation and savings history.

4. Who all are eligible as co-applicants of the SRG Housing Finance loan?
Ans. All co-owners of the property need to be co-applicants of the loan. And as far as joint home loans are concerned, it is usually taken by husband-wife, father-son or mother-son.