Everest Bank Home Loan interest rate 2083
Everest Bank's home loan is priced at 5.13%–7.13% effective in Bhadra 2083: a 4.13% base rate plus a 1%–3% premium. That ranks 2nd cheapest of the 19 commercial banks we track for this product. On Rs. 50 Lakh over 180 months the EMI is about Rs. 39,879, plus a 0.75% processing fee.
- Effective rate
- 5.13% – 7.13%
- Base rate
- 4.13%
- Premium
- 1% – 3%
- Processing fee
- 0.75%
- Maximum tenure
- 300 months
- Maximum loan-to-value
- 70%
- Rank by rate
- 2 / 19
- Rates effective
- Bhadra 2083
Effective from: 1 Bhadra 2083Source: everestbankltd.com/supports/interest-and-rates/interest-rates-loans-and-advances/
Everest Bank Home Loan: effective rate 5.13%, EMI from Rs. 39,879 per month. Compare with 18 other banks.
Rate breakdown
Base rate
4.13%
Premium
1%–3%
Effective rate
5.13%–7.13%
Fixed
7.25%
- Processing fee
- 0.75% (Min Rs. 5,000)
- Prepayment penalty
- 0.64%
- Fixed-rate terms
- Up to 7 years
- Loan amount
- Rs. 10 Lakh – Rs. 5 Cr
- Tenure
- 60 – 300 months
- Max financing
- 70%
- Age
- 21 – 65 years
Highlights
- Purchase, construction or renovation
- Up to 25 years tenure
- Balance transfer available
Who is eligible
Salaried or self-employed with verifiable income. Property must be within municipal limits.
Documents you will need
- Citizenship certificate (copy)
- 2 passport-size photos
- Latest 6 months bank statement
- PAN card
- Lalpurja (land ownership)
- Blueprint and municipality approval
- Property valuation report
- Char killa and tax receipts
Everest Bank Home Loan FAQ
What is Everest Bank's current Home Loan interest rate?+
Everest Bank's Home Loan floating rate is base rate 4.13% plus a premium of 1% to 3%, giving 5.13% to 7.13% effective from Bhadra 2083.
What is the EMI on a Rs. 50 Lakh Home Loan from Everest Bank?+
At 5.13% over 180 months, the EMI is roughly Rs. 39,879. Use the calculator above to change the amount or tenure.
Can I prepay a Everest Bank Home Loan?+
Yes. The published prepayment charge is 0.64% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
