Compare, don't guess
Rates, processing fees and prepayment terms from several lenders, side by side.
Home Loan
Find out what you could borrow, then compare before you choose
Get a quick estimate, compare banks and housing finance companies, and let your Advisor help with the paperwork. The lender decides the final rate and approval.
Eligibility checker
How much home loan can I get?
Move the numbers and the estimate updates as you go.
Your numbers
Your income stays on your device and is never sent.
After tax. Add a co-applicant's income to borrow more.
Car, personal and other loans. Credit card dues count too.
5 yrs30 yrs
6%15%
You could borrow about
₹74.9 L
Most lenders: ₹57.6 L – ₹92.2 L
- Monthly EMI
- ₹65,000
- Home budget
- ₹93.6 L
- Your down payment
- ₹18.7 L
- Total interest
- ₹81.1 L
Existing EMIs 7%New EMI 43%
An estimate, not an offer or approval. PropSarathi is not a lender; the lender alone sets the rate and decides the loan. It assumes lenders allow 40%–60% of take-home pay for all EMIs (50% for the main figure) and RBI loan-to-value limits (up to 90% for loans up to ₹30 L, 80% up to ₹75 L, 75% above). Stamp duty and registration are not financed. Your credit score, age and employer change the final amount.
Projects that fit a budget of ₹93.6 L
Bangalore projects with a published starting price at or below your budget. Prices are “from” prices.
Browse this budgetWhy take loan help
Rates and fees differ between lenders, so compare first
Paperwork handled
One checklist, documents collected once, and follow-up with the lender until sanction.
No extra cost from us
Our loan help comes with your home search. You deal with the lender's own fees only.
NRI loans too
Indian home loans for NRIs and UAE mortgages for Dubai buyers, with the right document list for each.
Rates
Home loan rates, lowest first
The starting rate each lender advertises. Your own rate depends on your profile, so your Advisor compares real quotes with you.
- 7.15% onwardsSource
Union Bank of India · Bank
Published range 7.15% to 9.35%, rate sheet dated 8 Oct 2026.
- 7.40% onwardsSource
Bank of Baroda · Bank
Headline rate, linked to the bank's repo-linked lending rate and reset monthly.
- 7.50% onwardsSource
Bajaj Housing Finance · Housing finance
Salaried applicants; published range goes up to 10.25%.
- 7.50% onwardsSource
State Bank of India · Bank
Effective 15 Oct 2026.
- 7.60% onwardsSource
Kotak Mahindra Bank · Bank
Floating rate, salaried and self-employed.
- 7.80% onwardsSource
ICICI Bank · Bank
Pre-approved loans on the digital journey only. Standard rates start at 8.75%.
- 8.00% onwardsSource
HDFC Bank · Bank
From the page's rate table. Its banner says 7.20% and its EMI example uses 8.50% for a credit score of 800 and above, so ask which applies to you.
- 8.20% onwardsSource
Axis Bank · Bank
Headline rate. Another line on the same page says 8.75%, so ask which applies to you.
Indicative, verify with the lender. The lowest advertised rate each lender showed on its own page on 31 Oct 2026, sorted lowest first. The rate you get depends on your credit score, income, loan size and the property. Order is not a recommendation, and a listing does not mean a tie-up.
Documents
Your document checklist
Pick your profile and tick off what you already have.
0 of 7 ready
The usual list. Each lender may ask for more.
The process
From estimate to sanction
Step 1: Check your eligibility
Use the checker below for a quick estimate. Your income stays on your device.
Step 2: Compare offers
Your Advisor shows lenders that may suit your profile and the property, with the terms they publish or quote.
Step 3: Apply once
We prepare one document set and help you file with the lender you choose.
Step 4: Sanction and disbursal
We follow up on valuation and legal checks while the lender decides. If it sanctions the loan, we stay with you until disbursal.
FAQs
Home loan questions, answered
How our fees work
You pay nothing
when you buy a new project through us. Advice, project visits and negotiation are included.
2% resale · 5% rental
the market-standard fee for resale homes (2% of the price) and rentals (5% of one year's rent), charged only on delivery, when the deal is done.
Loan help comes with your home search at no extra cost. You pay only the lender's own charges, such as its processing fee. PropSarathi is not a lender: rates and approval are the lender's decision.
How is my home loan eligibility worked out?
Lenders look at how much of your take-home pay goes to EMIs. Most allow 40 to 60 percent for all EMIs together, including the new one. Your age, credit score, job and the property also matter.
How much down payment will I need?
RBI rules cap a home loan at 90% of the property's value for loans up to ₹30 L, 80% for loans of ₹30–75 L and 75% above that. The rest, plus stamp duty and registration, is your down payment.
Can I add my spouse or a parent as a co-applicant?
Yes. Adding an earning co-applicant combines your incomes and usually raises the amount you can borrow. Both of you are responsible for the loan.
Can NRIs get a home loan in India?
Yes. Most Indian banks and housing finance companies lend to NRIs with overseas income proof. Your Advisor gives you the document list for your country.
Does checking eligibility affect my credit score?
No. The checker on this page is maths on your device. A lender only checks your credit report when you formally apply.
Do you charge for loan help?
No. Loan help is part of working with your Advisor. You only pay the lender's own charges, such as their processing fee, which we show you before you apply.
Can you guarantee my loan or a particular rate?
No. PropSarathi is not a bank or lender. The interest rate, the amount and whether the loan is approved are decided only by the lender, based on its own checks. We help you compare and apply; we never promise an outcome.
Get started
Get matched with the right lender
Leave your number and an Advisor calls with the lenders that fit you. If you used the checker, you can share the estimate so they come prepared. Your income stays on your device.
An Advisor calls you back within 4 working hours (Mon to Sat, 10 am to 7 pm IST).