KSFE Home Loan

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

KSFE Home Loan Highlights
Interest rates	9.50% p.a.
Loan amount	Up to Rs 1 crore
Loan tenure	1 year to 30 years
Penal interest rate	18% p.a. on EMI

Note: Interest rates updated as of 1 September 2025

KSFE Home Loan Interest Rates

KSFE offers home loans at interest rates of 9.50% p.a. Most lenders offer home loan interest rate based on several factors including their loan applicants’ credit scores, monthly income, repayment capacity, occupation profile, etc. 

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

Also calculate your home loan EMI

Fees and Charges for KSFE Home Loan 

Particulars	Rates
Premature closure charges	Nil
Lump sum repayment charges	Nil (subject to conditions)
Penal interest rate	18% p.a. on EMI

KSFE Home Loan Eligibility Criteria

The home loan eligibility criteria set by KSFE for its loan applicants are as follows:

• Maximum age: Up to 70 years
• Resident Indians and NRIs
• Salaried, self-employed professional (like doctor, engineer, chartered accountant, etc.), persons earning rental income or businessman who is an income tax assesse.

Documents required for KSFE Home Loan

Although KSFE has not provided the list of home loan documents required for availing home loans, lenders offering home loan usually require their loan applicants to submit the below mentioned documents:

• Identity proof (any one): Passport, Driving Licence, PAN Card, Voter’s ID Card, Aadhaar Card, etc.
• Income proof (for salaried): Form 16, last 3 year IT returns, letter of promotion or increment, last 3 month payslips, etc.
• Residence proof (any one): Ration Card, Utility bills (telephone, electricity, water or gas), Bank Passbook, etc.
• Proof of income (for self-employed): IT Returns of last 3 years, Balance Sheet and P&L account statement of the company/firm duly attested by a Chartered Accountant, professional practice licence (for doctors, consultants, etc.), etc.
• Proof of business address
• Property documents: copy of sale agreement, title deeds of plot, detailed estimate of house construction by an architect/civil engineer, copy of the plans approved by local authorities, etc.
• Additional documents for self-employed: Latest form 26 AS, business profile, list of directors and shareholders with details of individual shareholding certified by CA / CS (if the business entity is a company)
• Partnership deed (for partnership firms) 
• Memorandum of Association (MOA) and Articles of Association (AOA) of the company
• Other documents: Proof of own contribution, bank statements of last 6 months showing repayment of ongoing loans (if any), details of ongoing loans of individual/business entity, processing fee cheque in favour of the home loan lender

Note: KSFE may ask its loan applicants to submit additional home loan documents, apart from the ones mentioned above, based on their requirements and the loan applicant’s profile.