India Shelter Home Loan Interest Rate
India Shelter Home Loan Interest Rate
Buying or extending a home is no longer difficult with the presence of financial institutions like India Shelter that offer hassle-free home loans to salaried and self-employed applicants. The lowest India Shelter home loan interest rate starts at 10.50% per annum and might go up to 20% per annum. To get the details about the India Shelter home loan interest rate 2025, we advise you to go through the tables below:
India Shelter 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
India Shelter Home Loan Key Highlights
Amount of Loan
Up to Rs. 50 lakhs
Rate of Interest
10.50% p.a. onwards
Processing Fees
Up to 2.5% of the loan amount excluding GST
Max Tenure for Loan Repayment
20 years
| Loan Category | Rate of Interest on Home Loan |
|---|---|
| Salaried Applicants | 10.50% - 20% per annum |
| Self-Employed Applicants | 10.50% - 20% per annum |
Standard Home Loan Rates of Interest for Salaried and Self-Employed Applicants
Repo Linked Lending Rate (RLLR) 2024
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loan | 10.50% - 20% per annum |
India Shelter New House Purchase Loan Interest Rates
| Loan Slab | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loans | 10.50% - 20% per annum |
Top-Up Loans Interest Rates
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| Top-Up (Existing Customers) | 10.50% - 20% per annum |
Interest rates were last updated on 1st July 2025
India Shelter Home Loan Interest Rates for All Schemes in India
Understanding the varied needs of different people across the country, India Shelter offers some specific types of home loans to meet their specific requirements. The table displayed below aims to acquaint you with all the popular housing loan plans available at India Shelter Housing Finance Ltd.:
| India Shelter Home Loan Schemes | Rates of Interest for Each Plan |
|---|---|
| India Shelter Home Construction Loan | 10.50% - 20% per annum |
| India Shelter Home Improvement Loan | 10.50% - 20% per annum |
| India Shelter New House Purchase Loan | 10.50% - 20% per annum |
| India Shelter Loan Against Property Loan | 10.50% - 20% per annum |
| India Shelter Balance Transfer Home Loan | 10.50% - 20% per annum |
| India Shelter Top-Up Home Loan | 10.50% - 20% per annum |
India Shelter Home Loan Interest Rates for Balance Transfer, Top Up and Overdraft
India Shelter offers three flexible home loan facilities to customers who already have a home loan scheme. These are balance transfers, top-ups, and overdraft facilities. Continue reading to learn more about these in detail:
India Shelter Home Loan Top-Up
The second convenient facility on home loans offered by India Shelter Housing Finance comes in the form of a top-up. It is an additional loan amount offered on an existing home loan to a customer who has made regular payments and has a good credit score. India Shelter home loan top-up interest rate starts at 10.50% per annum.
India Shelter Home Loan Overdraft (OD) Option
The third interesting option to arrange for extra funds for some emergency requirements is through the India Shelter home loan overdraft facility. Flexible withdrawals and interest savings are the two main benefits to reap through the overdraft facility on home loans. The India Shelter overdraft facility is available at an interest rate of 10.50% per annum.
India Shelter Home Loan EMI Calculation 2025
| Loan Amount | Rate of Interest | EMI for 10-Year Loan Tenure | EMI for 20-Year Loan Tenure | EMI for 30-Year Loan Tenure |
|---|---|---|---|---|
| Rs. 10 lakh | 10.50% p.a. | Rs. 13,493 | Rs. 9,984 | Rs. 9,147 |
| Rs. 20 lakh | 10.50% p.a. | Rs. 26,987 | Rs. 19,968 | Rs. 18,295 |
| Rs. 30 lakh | 10.50% p.a. | Rs. 40,480 | Rs. 29,951 | Rs. 27,442 |
| Rs. 40 lakh | 10.50% p.a. | Rs. 53,974 | Rs. 39,935 | Rs. 36,590 |
| Rs. 50 lakh | 10.50% p.a. | Rs. 67,467 | Rs. 49,919 | Rs. 45,737 |
| Rs. 60 lakh | 10.50% p.a. | Rs. 80,961 | Rs. 59,903 | Rs. 54,884 |
| Rs. 70 lakh | 10.50% p.a. | Rs. 94,454 | Rs. 69,887 | Rs. 64,032 |
| Rs. 80 lakh | 10.50% p.a. | Rs. 1,07,948 | Rs. 79,870 | Rs. 73,179 |
| Rs. 90 lakh | 10.50% p.a. | Rs. 1,21,441 | Rs. 89,854 | Rs. 82,327 |
| Rs. 1 crore | 10.50% p.a. | Rs. 1,34,935 | Rs. 99,838 | Rs. 91,474 |
Disclaimer:
The table above displayed an estimate of monthly EMI payable at a 10.50% p.a. interest rate offered by India Shelter. However, these estimates can vary based on the different interest rates offered by other banks, your monthly income, and other factors.
How to Calculate India Shelter Home Loan Interest Rates?
Avoid the hassles of approaching an India Shelter official to learn about the monthly EMI payable on home loans; choose the easy way instead to calculate the interest rate and EMI! Access the online EMI calculator available at EMI to learn about the estimate of monthly EMI payable for India Shelter home loans. Have a look at the table below for a detailed estimate of the EMI payable and the interest rate on India Shelter home loans:
Compare India Shelter Home Loan Interest Rate with Top Banks
A little comparison between similar banks and NBFCs will make you more confident about choosing India Shelter for a home loan. So, for your reference, we are now sharing a table with the interest rate on home loans and processing fees charged by the top competitors of India Shelter:
India Shelter Home Loan Balance Transfer
There is no need to panic if you have already got a home loan from another lender at a higher interest rate than India Shelter. You can always switch to India Shelter through the balance transfer home loan scheme.
India Shelter home loan balance transfer interest rates start at 10.50% per annum for those earning monthly salaries and those who have their own business. Have a look at the easiest way to apply for an India Shelter balance transfer home loan:
Start by first opening the BASIC Home Loan website and then moving to its Repay Right section - Repay Right
Up next, enter the required details in the online form that comes in this section. Here, you may be asked to fill in information about your existing home loan, such as its interest rate and tenure, and the information about the new loan you want to switch to and its interest rate and tenure
After filling in the details in the form, click on ‘Next’
You will then be directed to the page that will show the total savings after availing of an India Shelter Home Loan Balance Transfer option
Or, else the other way is to contact a BASIC Home Loan team member and seek help to get an India Shelter Balance Transfer Home Loan
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!
