Bandhan Bank Home Loan
Bandhan Bank Home Loan
Bandhan Bank Home Loan
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Salaried or self-employed, we'll find the right loan for you.
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We serve customers in every corner of India, across tier 1, 2, and 3 cities.
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Bandhan Bank Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
Bandhan Bank Home Loan Key Highlights
Loan Amount Up to 90% of the property value
Rate of Interest 9.16%
15.00% per annum
Processing Fee Up to 1% of the loan amount
Rate Packages Fixed/ Floater
Charges for Prepayment/Foreclosure Fixed: 4% of the outstanding loan amount + GST for loans < 12 months/ 2% of the outstanding loan amount + GST for loans> 12 months | Floater: Nil
Bandhan Bank Home Loan Interest Rates in 2026
Bandhan Bank offers competitive home loan interest rates designed to make homeownership more accessible for borrowers. With options for both fixed and floating rates, you can select a plan that best suits your financial needs. The Bandhan Bank home loan interest rate starts from 9.16% per annum ensuring manageable EMIs for home loan borrowers. Home loan borrowers can expect a housing loan amount of up to 90% of the property value from Bandhan Bank if the bank finds them eligible for the same.
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Suraksha Home Loan | 9.16% - 15.00% per annum |
| Sajavat Home Loan | 9.16% - 15.00% per annum |
| Su-awas Home Loan | 9.16% - 15.00% per annum |
| Suvidha Home Loan | 9.16% - 15.00% per annum |
Bandhan Bank Home Loan Eligibility Criteria
Bandhan Bank's home loan eligibility criteria focus on factors like your age, income, credit score, and employment stability. These criteria help the bank assess your ability to repay the loan, ensuring a smooth application process. Understanding these requirements in advance can increase your chances of approval.
For Salaried Individuals
Age Range (in years)
21 - 75
Nationality
Indian Residents/ NRIs
Minimum Income Earned
Rs. 18,000 per month
For Self-Employed Individuals
Age Range (in years)
21 - 75
Nationality
Indian Residents/ NRIs
Minimum Income Earned
Rs. 18,000 per month
ChargesBandhan Bank Home Loan Processing Fee and Charges
Bandhan Bank's home loan comes with transparent fees and charges, including processing fees, administrative costs, and legal expenses. These charges are clearly outlined to help you understand the total cost of your loan. Knowing these fees upfront allows you to budget effectively and make informed decisions.
| Login Fee | Rs. 3,500 + GST |
| Administration Charges | 0.25% - 2% depending on scheme + GST |
| Cheque Bounce Charges | Rs. 500 + GST |
| Interest Rate Conversion Charges | 0.50% to 1.25% of the outstanding balance |
| Income Tax Certificate | Free of cost once annually, and Rs. 30 + GST/ copy for subsequent requests |
| Valuation Report Charges | Rs. 2,500 per property being offered as security to the Bank |
| CERSAI Charges | Rs. 100 per account + GST |
| CIC Charges | Rs. 150 per individual + GST |
| Penal Interest | 24% per annum |
| Foreclosure Charges | Fixed: 4% of the outstanding loan amount + GST for loans < 12 months/ 2% of the outstanding loan amount + GST for loans> 12 months Floater: Nil |
Bandhan Bank Home Loan Schemes and Top Plans
Bandhan Bank understands that no two borrowers might have the same home loan requirements, so it offers a variety of housing loan schemes to meet varied purposes. Read on to understand the popular home loan schemes offered by the Bandhan Bank:
- Ideal loan for purchase, construction, or home extension
- Maximum loan repayment of up to 30 years
- Monthly disposable or surplus income is considered
- Perfect housing loan scheme for home repair or renovation
- Maximum repayment of up to 15 years
- Maximum loan up to 80% of the repair cost
- Best home loan for pakka or semi-pakka home even if you do not have a regular income
- Maximum loan repayment of up to 10 years for construction and 5 years for renovation purposes
- Available to micro banking borrowers with a minimum 1 complete cycle of the loan
- Easy home loan without a formal income proof
- Maximum loan repayment of up to 30 years
- Maximum loan amount up to 90% of the property cost
Documents Required for Bandhan Bank Home Loan
To apply for a Bandhan Bank home loan, you'll need to provide essential documents that verify your identity, income, and property details. These documents ensure a smooth and efficient processing of your application. Preparing the required paperwork in advance can help expedite your loan approval and get you closer to your new home. The Bandhan Bank home loan documents required list is shared below for salaried and self-employed applicants before applying for a home loan:
| Proof of Income |
|
| Other Required Documents |
|
| Proof of Income |
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| Other Required Documents |
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| Identity & Address Proof |
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| Documents Related to Property |
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Apply Home Loan Through BASIC Home Loan
Interested applicants can proceed with the Bandhan Bank home loan apply procedure through the BASIC Home Loan team in a remarkably straightforward and convenient way. This can be done from anywhere online in the following manner:
Apply Now on the BASIC Website
Proceed to the 'APPLY NOW' section on the BASIC Home Loan website.
Enter Your Details and Submit
Fill in the form by entering your name, contact number, and other required details, and submit the form.
Our Expert Will Reach Out to You
A BASIC Home Loan team representative will connect with you shortly to assist you through the entire home loan application process.
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