Sanima Bank Home Loan interest rate 2083
Sanima Bank's home loan is priced at 6.14%–8.14% effective in Bhadra 2083: a 4.64% base rate plus a 1.5%–3.5% premium. That ranks 14th cheapest of the 19 commercial banks we track for this product. On Rs. 50 Lakh over 180 months the EMI is about Rs. 42,572, plus a 0.75% processing fee.
- Effective rate
- 6.14% – 8.14%
- Base rate
- 4.64%
- Premium
- 1.5% – 3.5%
- Processing fee
- 0.75%
- Maximum tenure
- 300 months
- Maximum loan-to-value
- 70%
- Rank by rate
- 14 / 19
- Rates effective
- Bhadra 2083
Effective from: 1 Bhadra 2083Source: www.sanimabank.com/interest-rate
Sanima Bank Home Loan: effective rate 6.14%, EMI from Rs. 42,572 per month. Compare with 18 other banks.
Rate breakdown
Base rate
4.64%
Premium
1.5%–3.5%
Effective rate
6.14%–8.14%
Fixed
Not published
- Processing fee
- 0.75% (Min Rs. 5,000)
- Prepayment penalty
- 0.83%
- 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
Sanima Bank Home Loan FAQ
What is Sanima Bank's current Home Loan interest rate?+
Sanima Bank's Home Loan floating rate is base rate 4.64% plus a premium of 1.5% to 3.5%, giving 6.14% to 8.14% effective from Bhadra 2083.
What is the EMI on a Rs. 50 Lakh Home Loan from Sanima Bank?+
At 6.14% over 180 months, the EMI is roughly Rs. 42,572. Use the calculator above to change the amount or tenure.
Can I prepay a Sanima Bank Home Loan?+
Yes. The published prepayment charge is 0.83% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
