Home Loan in Srinagar

Compare Home Loan Interest Rate Offered by Various Banks & HFCs in Srinagar

Name of Lender	Loans Up to Rs. 30 Lakh	Loans Above Rs. 30 Lakh to Rs. 75 Lakh	Loans Above Rs. 75 Lakh
SBI	8.00%-9.20% p.a.	8.00%-9.20% p.a.	8.00%-9.20% p.a.	Check Eligibility
HDFC Bank Limited	8.45% p.a. onwards	8.45% p.a. onwards	8.45% p.a. onwards	Check Eligibility
Bajaj Housing Finance	7.99%-17.00%	7.99%-17.00%	7.99%-17.00%	Check Eligibility
ICICI Bank	8.50% p.a. onwards	8.50% p.a. onwards	8.50% p.a. onwards	Check Eligibility
Axis Bank	8.75%-12.80% p.a.	8.75%-12.80% p.a.	8.75%-9.65% p.a.	Check Eligibility
Federal Bank	9.15% p.a. onwards	9.15% p.a. onwards	9.15% p.a. onwards	Check Eligibility
Punjab National Bank	7.55% - 9.35% p.a.	7.50% - 9.25% p.a.	7.50% - 9.25% p.a.	Check Eligibility
Kotak Mahindra Bank	8.65% p.a. onwards	8.65% p.a. onwards	8.65% p.a. onwards	Check Eligibility
Bank of Baroda	7.50% - 10.15% p.a.	7.50% - 10.15% p.a.	7.50% - 10.40% p.a.	Check Eligibility
Canara Bank	8.00% – 10.75% p.a.	7.95% – 10.75% p.a.	7.90% – 10.65% p.a.	Check Eligibility
IDFC FIRST Bank	8.85% p.a. onwards	8.85% p.a. onwards	8.85% p.a. onwards	Check Eligibility
IDBI Bank	8.00% p.a. onwards	8.00% p.a. onwards	8.00% p.a. onwards	Check Eligibility
Punjab & Sind Bank	7.55% - 10.75% p.a.	7.55% - 10.75% p.a.	7.55% - 10.75% p.a.	Check Eligibility
RBL Bank	9.00% p.a. onwards	9.00% p.a. onwards	9.00% p.a. onwards	Check Eligibility
LIC Housing Finance	8.00% p.a. onwards	8.00% p.a. onwards	8.00% p.a. onwards	Check Eligibility
Tata Capital Housing Finance	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards	Check Eligibility
PNB Housing Finance	8.50% - 14.50% p.a.	8.50% - 14.50% p.a.	8.50%-11.45% p.a.	Check Eligibility
Sammaan Capital (Formerly known as Indiabulls Housing Finance)	8.75% onwards	8.75% onwards	8.75% onwards	Check Eligibility
Aditya Birla Capital	8.50% onwards	8.50% onwards	8.50% onwards	Check Eligibility
India Shelter Home Loan	11.59% onwards	11.59% onwards	11.59% onwards	Check Eligibility
L&T Finance Limited	8.65% p.a. onwards	8.65% p.a. onwards	8.65% p.a. onwards	Check Eligibility
Godrej Housing Finance	8.55% onwards	8.55% onwards	8.55% onwards	Check Eligibility
Home First Finance	11.90% onwards	11.90% onwards	11.90% onwards	Check Eligibility
Easy Home Finance	8.95% onwards	8.95% onwards	8.95% onwards	Check Eligibility
Piramal Capital Housing Finance	9.50% onwards	9.50% onwards	9.50% onwards	Check Eligibility
Cholamandalam Investment and Finance	10.50% onwards	10.50% onwards	10.50% onwards	Check Eligibility

Note: Interest rates offered by banks, NBFCs/ HFCs are subject to change as per RBI’s directives and lenders’ discretion.

Home Loan in Srinagar – Features & Benefits

• Home loan balance transfer helps to transfer the current home loan to another bank with better interest rates or discounts.
• Home loan insurance protects your home loan and helps in repayment of the loan in case of any unfortunate event
• Flexible interest rates to choose from fixed and floating interest rates.
• A pre-approved home loan helps to get your home loan pre-approved to save your time when buying a house. It requires minimum documentation.
• Quick and transparent processing

Eligibility Criteria for Home Loan

You can get a home loan in Srinagar against 70% to 85% of the property value if you clear the below-stated eligibility criteria.

• Age of salaried or self-employed individual (21–65 years)
• Educational qualification, in case of self-employed
• Job stability and monthly income
• A credit score ranging between 300 and 900
• Co-applicant’s income
• Assets and liabilities of ongoing loans, such as personal loans, credit cards, etc.

Documents Required for Home Loan in Srinagar

• Filled and signed application form with photograph
• Processing fee cheque or draft