Suryoday Small Finance Bank Home Loan

Suryoday Small Finance Bank Home Loan Highlights – 2025
Interest Rate	10% to 13% p.a.
Loan Amount	From Rs. 10 lakh to Rs. 1 crore
Loan Tenure	Up to 20 years
Processing Fees	1% – 2% of the loan amount plus GST

Note: Interest rates as on 20 June 2025.

Suryoday Small Finance Bank Home Loan Interest Rates

Suryoday Small Finance Bank Home Loan interest rates range between 10% to 13% p.a. While Suryoday Bank has not disclosed offering differential interest rates for its home loan applicants based on their credit scores, income, occupation profile, EMI/NMI ratio, etc., most lenders decide their home loan interest rates based on the above mentioned criteria.

Compare Interest Rates on Housing Loans for Top Banks and /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

Fees and Charges for Suryoday Small Finance Bank Home Loan

Suryoday Home Loan Processing fees

Particulars	Rates
Processing fees	1% – 2% of the loan amount plus GST

Suryoday Small Finance Bank Home Loan Prepayment / Foreclosure charges

Particulars

Rates

Prepayment / Foreclosure charges

For Individuals Home loans availed at floating interest rates: Nil Home loans availed at fixed interest rates: 4% plus applicable taxes (on prepayment/foreclosure within 36 months) 2% plus applicable taxes (on prepayment/foreclosure after 36 months) For Non-individuals Home loans availed at floating interest rates: 4% plus applicable taxes (on prepayment/foreclosure within 36 months) 2% plus applicable taxes (on prepayment/foreclosure after 36 months) Home loans availed at fixed interest rates: 4% plus applicable taxes (on prepayment/foreclosure within 36 months) 2% plus applicable taxes (on prepayment/foreclosure after 36 months)

Other Charges related to Suryoday Small Finance Bank Home Loans

Particulars	Rates
Handling / Admin charges	Rs 5,000 (including GST)
Mortgage charges	Actuals
Stamp duty charges	Actuals
Penal charges for late payment	1% of the amount in default or Rs. 250 (Whichever is higher and per instance)
Cheque return / SI return / NACH return charges	Rs 500 per instance
Cheque pick up charges	Rs 100 per visit
Copy of Property Documents	Rs 1,000 per instance
Swapping / Security Cheques / NACH / Replacement of UDCs	Rs 1,500 per instance
Duplicate statement charge	Rs 200 per instance
Reissuance of DD / PO	Rs 200 per instance
Duplicate certificate or interest paid certificate	Rs 500 per instance
Copy of credit information obtained from CIBIL	Rs 100 per instance

Eligibility Criteria for availing Suryoday Small Finance Bank Home Loan

Salaried individuals, self-employed professionals and self-employed non-professionals are eligible for availing Suryoday Small Finance Bank Home Loans. Ensure to check the home loan eligibility criteria set by top banks or HFCs before making the home loan application.

Documents required

Identity and Address Proofs for Individuals as per the extant KYC Policy of the Bank as directed by RBI from time to time.