Himalayan Bank Home Loan interest rate 2083
Himalayan Bank Home Loan: effective rate 8.65%, EMI from Rs. 49,678 per month. Compare with 19 other banks.
#11 / 20 banksAwaiting verificationEffective from 1 Bhadra 2083
Rate breakdown
Base rate
6.65%
Premium
2%–3.07%
Effective rate
8.65%–9.72%
Fixed
Not offered
- Processing fee
- 0.75% (Min Rs. 5,000)
- Prepayment penalty
- 0.76%
- Loan amount
- Rs. 10 Lakh – Rs. 5 Cr
- Tenure
- 60 – 300 months
- Max financing
- 7%
- 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 6.65% plus a premium of 2% to 3.07%, giving 8.65% to 9.72% effective from Bhadra 2083.
What is the EMI on a Rs. 50 Lakh Home Loan from Himalayan Bank?+
At 8.65% over 180 months, the EMI is roughly Rs. 49,678. 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.