Godrej Housing Finance Home Loan
Godrej Housing Finance Home Loan
Godrej Housing Finance offers a host of home financing solutions to both Indian residents and NRIs, at interest rates starting at 8.64% per annum and going up to 9.19% per annum, with a maximum loan tenure of up to 30 years. The company is known for fast loan approvals and individually tailored EMI plans. The processing fee on home loan applications is 3% of the total loan amount.
Godrej Housing Finance Home Loan
Design Your Own EMI
Godrej offers flexible payment plans and EMI breaks, and we help you pick the structure that fits your cash flow.
Open to Residents and NRIs
Godrej lends to both, and we handle the extra documentation NRIs need.
Nil Prepayment Charges for Individuals
Pay off early without a penalty, and we factor that into the plan we recommend.
One Relationship Manager, Start to Finish
A dedicated BASIC expert handles your file end to end, not a rotating call centre.
Godrej Housing Finance 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
Godrej Housing Finance Home Loan Key Highlights
Get the lowest interest rates with Godrej Housing Finance
Loan Amount: Based on the credit profile of the applicant, subject to the RBI cap on the LTV ratio
Rate of Interest: Starts at 8.64% per annum
Processing Fee: 3% of the total loan amount
Maximum Tenure for Repayment: Up to 30 years
Charges for Prepayment/Foreclosure: Nil for individuals; 4% on prepaid principal for non-individuals
Godrej Housing Finance Home Loan Interest Rates in 2026
Godrej home loan interest rates start at 8.64% per annum, with a maximum repayment tenure of up to 30 years. The relatively low rates also attract customers of other lenders to its balance transfer facility. Listed below are the rates offered across borrower profiles:
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Salaried, Indian Resident | Starts at 8.64% p.a. |
| Salaried, NRI | Starts at 8.64% p.a. |
| Self-Employed Practising Professional | Starts at 9.19% p.a. |
| Self-Employed, Business | Starts at 9.19% p.a. |
Godrej Housing Finance Home Loan Eligibility Criteria
Godrej Housing Finance offers home loans only to customers who meet its specified eligibility criteria. The table below sets out the requirements for borrowers:
For Salaried Individuals
Age Range (in years)
23-62 years
Nationality
Indian residents and NRIs
For Self-Employed Individuals
Age Range (in years)
23-62 years
Nationality
Indian residents and NRIs
Godrej Housing Finance Home Loan Processing Fee and Charges
Godrej Housing Finance charges a processing fee and some additional costs to cover the expenses involved in processing a home loan application. The table below sets out the fee and other charges:
| Processing Fee | 3% of the total loan amount |
| Penalty for Late Payment per Month | 2% of the total EMI unpaid |
| Part Prepayment / Foreclosure Charges | Individuals: none. Non-individuals: 4% on prepaid principal |
| Loan Foreclosure Letter Charges | Rs. 500 |
| Fee for Repricing | 1% of unpaid principal |
| Technical Fees | As per actuals |
| EMI Bounce Charges | Rs. 1,000 |
| Repayment Mode Swap (Cheque / NACH) | Rs. 500 |
| Charges for Loan Cancellation | None up to 30 calendar days or the first EMI due date, whichever is earlier; 1% of unpaid principal thereafter |
| Charges for Rate Conversion | 0.5% - 1.5% of unpaid principal |
| Stamping or Franking Fee | As per actuals |
| Valuation Fees | As per actuals |
Godrej Housing Finance Home Loan Schemes and Top Plans
Godrej Housing Finance offers a variety of home loan schemes designed to help applicants own a home without hassle. Listed below are the most popular plans:
- Available for constructing or purchasing a residential property, and for home improvements, renovations and extensions
- Flexible repayment options including a flexible payment plan and Design Your EMI for properties under construction
- EMI break feature to make repayment more comfortable
- Parallel funding facility and a loan tenure of up to 30 years
- Designed to finance a plot of land for constructing a home
- EMI break facility available
- Low rates of interest and up to 80% loan to value
- Seamlessly transfer an existing home loan to Godrej Housing Finance
- Rates of interest customised to your profile
- Higher eligibility and a top-up loan facility
- Designed for major life events such as education fees, weddings or a change of career
- Interest-only repayment for up to 3 years
- Loans of up to 80% of market value, with a tenure of up to 25 years
* Note: All of the above home loan plans are made available to applicants solely at the discretion of Godrej Housing Finance, taking into consideration the earning and repayment capacity of the applicant.
Documents Required for Godrej Housing Finance Home Loan
As part of your home loan application you will need to submit a complete set of documents. Listed below are the essential documents for salaried and self-employed borrowers:
| Proof of Income |
|
| Other Required Documents |
|
| Proof of Income |
|
| Other Required Documents |
|
| Identity & Address Proof |
|
| Documents Related to Property |
|
Apply for a Godrej Housing Finance Home Loan Through BASIC Home Loan
If you would like to apply for a home loan with Godrej Housing Finance, follow the simple steps below:
Apply Now on the BASIC Website
Head to the APPLY NOW section on the BASIC Home Loan website.
Share Your Requirement
Enter your name, contact details, loan amount and pincode, then submit the form.
We Take It Forward With Godrej
A BASIC Home Loan team member contacts you and guides you through the application procedure.
Talk to our Expert
- Neutral, AI-backed advice
- Compare 50+ lenders instantly
- Transparent process, Zero bias
By continuing, I agree with Basic Terms and Conditions and Privacy Policy
FAQ's
Ready to Find the Best-Fit Home Loan?
- Talk to Your Dedicated Loan Expert Today!
