Himalayan Bank Home Loan interest rate 2083
Himalayan Bank's home loan is priced at 5.53%–9.03% effective in Shrawan 2083: a 5.03% base rate plus a 0.5%–4% premium. That ranks 6th cheapest of the 19 commercial banks we track for this product. On Rs. 50 Lakh over 180 months the EMI is about Rs. 40,934, plus a 0.75% processing fee.
- Effective rate
- 5.53% – 9.03%
- Base rate
- 5.03%
- Premium
- 0.5% – 4%
- Processing fee
- 0.75%
- Maximum tenure
- 300 months
- Maximum loan-to-value
- 70%
- Rank by rate
- 6 / 19
- Rates effective
- Shrawan 2083
Effective from: 1 Shrawan 2083Source: himalayanbank.com/en/rates/loan-products-rates
Himalayan Bank Home Loan: effective rate 5.53%, EMI from Rs. 40,934 per month. Compare with 18 other banks.
Rate breakdown
Base rate
5.03%
Premium
0.5%–4%
Effective rate
5.53%–9.03%
Fixed
6.75%
- Processing fee
- 0.75% (Min Rs. 5,000)
- Prepayment penalty
- 0.76%
- 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
Himalayan Bank Home Loan FAQ
What is Himalayan Bank's current Home Loan interest rate?+
Himalayan Bank's Home Loan floating rate is base rate 5.03% plus a premium of 0.5% to 4%, giving 5.53% to 9.03% effective from Shrawan 2083.
What is the EMI on a Rs. 50 Lakh Home Loan from Himalayan Bank?+
At 5.53% over 180 months, the EMI is roughly Rs. 40,934. Use the calculator above to change the amount or tenure.
Can I prepay a Himalayan Bank Home Loan?+
Yes. The published prepayment charge is 0.76% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
