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Sammaan Capital Home Loan

Sammaan Capital Limited (formerly known as Indiabulls Housing Finance Limited) offers home loans starting @ 8.75% p.a. for tenures up to 15 years and loan amounts of up to 90% of the property’s value. It also offers home loan balance transfer facility to existing borrowers of other banks and HFCs. Sammaan Capital Limited offers a rural home loan scheme to provide affordable housing loans to rural and semi-urban residents.
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Lowest interest rates starting from 7.1%

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4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Competitive Interest Rates

Starting 8.75% p.a.

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Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

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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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Sammaan Capital Home Loan Highlights

Interest Rate 8.75% p.a. onwards
Loan Tenure Up to 15 years
Processing Fees 0.50% onwards of the loan amount plus applicable charges

Rates as of 14th April 2026

Sammaan Capital Home Loan Interest Rates

Loan Products Interest Rate (p.a.)
Regular Home Loans 8.75% - 15%
Loan Against Property 9.75% - 17%

Compare Home Loan Interest Rates for Top 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
Shubham Housing Finance 10.45% 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

Sammaan Capital Home Loan Processing Fees & Charges

Processing Fee 0.50% onwards of the loan amount
Foreclosure statement charges Rs. 500
List of Documents Rs. 1000
Cheque/NACH Dishonour Charges Rs 500 (home loan)
Late Payment Charges 24% p.a. on outstanding EMI
PDC/ECS Swapping Charges NIL
Charges for account statement/amortization schedule Rs 200
Registration Charges for borrower’s ECS mandate NIL
Income tax certificate in home loans NIL
ROI Switch Fee Home Loan As per Standard Switch Grid as available on request
Database admin fee Rs 650
Compliant handling charges NIL
Retrieval Charges for copies of loan Rs. 750
Stamping Charges As per Actuals

Also Read: Processing Fee for Home Loans charged by various lenders

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Types of Sammaan Capital Home Loan

Home Loan Balance Transfer

Purpose: Home loan balance transfer facilitates transfer of existing home loan from other banks and HFCs to Indiabulls at lower interest rates

Instant Home Loans

Purpose: This is a special home loan scheme offered to home loan applicants tailored to suit their needs

Rural Home Loan

Purpose: Affordable home loans for rural/semi-urban areas

Home Renovation Loan

Purpose: Consumers can avail home renovation loan for renovating the existing home as per their own comfort, aspirations and taste

Tenure: Up to 15 years

Home Extension Loan

Purpose: Home extension loans are offered for making extension to already existing home property

Home Loan for NRIs

Purpose: For purchase and construction of residential property by NRI applicants

Tenure: Up to 15 years

Top-up Home Loan

Purpose: Home loan top-up scheme are additional loans offered on existing home loan during the loan tenure

Pradhan Mantri Awas Yojna

Purpose: To avail Credit Linked Subsidy Scheme introduced by the Central Government to provide “Housing for All” for Economically Weaker Sections, MIG-I and MIG-II for purchase/construction/extension/improvement of homes

Sammaan Capital Home Loan Eligibility Criteria

  • The applicant should be 21 years old at the time of loan application and 65 years old at the time of loan maturity
  • He/she should be salaried/self-employed
  • The spouse of the applicant can apply as a co-applicant to the home loan
  • NRIs from Dubai and UK can apply for Indiabulls home loans.

Indiabulls may also consider the credit score and monthly income of its applicants while evaluating Indiabulls home loan eligibility.

Documents Required for Sammaan Capital Housing Loan

The common set of documents required to apply for Indiabulls Home Loans are:

  • Completely filled application form with photograph attached and signatures of the applicants
  • ID proof, birth proof, age proof, address proof and signature proof
  • Processing fee cheque
  • Sale deed or sale agreement, allotment letter, NOC from the society or builder
  • Income Documents:

For Salaried: Salary slips for last 3 months, Form 16, ITR and statement of bank account

For Self-Employed: ITR for 2 years with financial statements, bank statement for last 6 months, qualification proof and Gumasta license

For BSF Customer: Last 3 months salary slip, Form 16 for last 2 years and confirmation certificate/service certificate for benefit of this scheme

For Merchant Navy/NRI: Rent agreement with utility bill up to 3 months old if staying on rent, passport, salary slip for last 6 months, contract copy for last 3 years, Form 16 for last 2 years with income computation, Continuous Discharge Certificate, Bank statement for 1 year for NRE/NRO account

Also know about the home loan documents required

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 factors determine the interest rates of Sammaan Capital home loan applicants?

Sammaan Capital Housing Finance sets interest rates for its home loan applicants based on their credit profile, loan amount, tenure, property type and other risk parameters.

Who can be the co-applicant for home loan?

Sammaan Capital Housing Finance allows the spouse or other immediate family members of a home loan applicants to be his/her co-applicant. However, the co-owner(s) of the underlying home property has to be the co-applicant for the home loan.

Can I make prepayments on my home loans?

Yes, Sammaan Capital allows its home loan borrowers to prepay their home loans. It doesn’t charge any fees on prepayment of floating rate home loans.

Are there any concessions offered to women applicants on home loan interest rates?

Yes, Sammaan Capital Housing Finance claims to offer concession in home loan interest rate to its women applicants. However, the HFC has not disclosed the exact concession on interest rates offered to women applicants.

What is the minimum credit score required to avail home loans from Sammaan Capital Housing Finance?

Sammaan Capital Housing Finance has not specified the cut-off credit score for home loan applicants. However, applicants with credit scores of 750 and above usually have higher chances of availing home loans at lower interest rates.

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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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