Home Loans in Jodhpur

Located in the northwestern state of Rajasthan, Jodhpur, with its historical significance and rich cultural heritage, has always been a favorite for many to buy a home in. One can easily get a home loan in Jodhpur starting at an interest rate of 8.45% and paying a processing fee of 0.25% of the loan amount. The maximum period for which most lenders offer home loans in Jodhpur is a good 30 years. Be it your dream to buy a home, plot, or renovate an existing house; you can do it all by opting for the suitable home loan scheme in Jodhpur from the top banks and housing finance companies. 

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Home Loan Interest Rates in Jodhpur

The cheapest home loan interest rate in Jodhpur starts at 8.45%. Whether salaried or self-employed, you can easily apply for a housing loan in Jodhpur, paying a processing fee within a range of 0.25% - 0.50% of the loan amount and additional taxes. 

So, here is your chance to check out the interest rate and processing fee on home loans in Jodhpur offered by the leading 10 financial lenders:

BASIC Bank/NBFC Partner Name Max Tenure (in years) Rate of Interest Processing Fees (INR) Contact
bank Bank of India 30 8.45% Up to 0.25% of the loan amount (Minimum: Rs. 1,500; Maximum: Rs. 20,000) Enquire
bank Aadhar Finance 30 11.50% - 17% Rs. 3,500 + taxes Enquire
bank LIC HFC 30 8.50% Up to 0.25% (Maximum: Rs. 25,000) Enquire
bank Union Bank of India 30 8.70% 0.50% of the loan amount (Maximum: Rs. 15,000 + GST) Enquire
bank HDFC Bank 30 8.65% - 9.85% Up to 0.25% (Minimum: Rs. 3,540) Enquire
bank PNB Housing 30 8.75% onwards Up to 0.50% (Maximum: Rs. 10,000) Enquire
bank L&T Finance 25 8.60% onwards Up to 3.00% of the loan amount + Applicable Taxes Enquire
bank SBI 30 9.15% - 12.95% Up to 0.25% (Maximum: Rs. 10,000) Enquire
bank Tata Capital Ltd. 30 8.95% onwards Up to 0.25% (Max: Rs. 3,540) Enquire
bank Navi 30 8.55% - 9.75% 10,000 Enquire
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Eligibility Criteria for Home Loans in Jodhpur

Getting a home loan in Jodhpur is possible only if you fulfill the eligibility criteria set by different lenders. These are not very tough criteria to follow, and all they ask is for some specific age limit, income, credit score, and nationality. 

The table given below is for your reference to understand the basic home loan eligibility in Jodhpur:

Eligibility Parameters Salaried Individuals Self-Employed Individuals
Citizenship Indian Residents Indian Residents
Professional Experience 2 years 2 years

Min: 21 years
Max: 65 years 

Min: 21 years
Max: 65 years 

Monthly Income

Minimum Rs. 15,000 per month

Minimum Rs. 15,000 per month

CIBIL Score 750 or above (preferred) 750 or above (preferred)

Note: Applicants are encouraged to declare any additional sources of income besides those mentioned in the table above to boost their chances of getting a home loan approval.

  • Prominent banks NBFCs in Jodhpur offer housing loans to residents of India
  • Applicants falling within the age limit of 21 to 65 years can apply for a home loan in Jodhpur 
  • Salaried applicants are required to show a work experience of 2 years, and self-employed applicants must show proof of 3 years work experience for hassle-free home loans in Jodhpur
  • Banks and housing finance companies in Jodhpur are always ready to grant home loans to those having a credit score of 750 and above

Note:These criteria are subject to variation from one bank to another. It is recommended that you check with the specific bank you are applying to for a home loan for its eligibility requirements.

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Documents Required for Home Loans in Jodhpur

If you wish to avoid the disappointment of home loan rejection, submit all the essential documents required for a home loan in Jodhpur. There are some variations for the types of documents required to be submitted by salaried and self-employed borrowers, and you can learn about the same by reading further:

1. For Salaried Loan Applicants

  • General Identity Documents like Aadhaar Card, Voter ID Card, PAN card
  • A Processing Fee Cheque
  • Appointment letter
  • Recent Income Tax Return
  • Recent Form 16
  • 3 months Bank Account Statements 
  • 3 months Salary Slips 
  • Property documents 

2. For Self-Employed Loan Applicants

  • General Identity Documents like Aadhaar Card, Voter ID Card, PAN card
  • Recent Form 26AS
  • Company License
  • Business Profile 
  • 3 years Income Tax Return
  • 3 years P&L Account Statements 
  • 3 years Balance Sheets 
  • 6 months Bank Account Statement
Type of Document Required Examples of Documents that can be Submitted
Proof Of Residency Aadhaar Card, Valid Passport
Proof Of Income Bank Passbook, Bank statement, Last 3 years IT Return
Proof Of Age PAN Card, Voter ID, Birth Certificate, Registration Certificate Of Establishment
Proof Of Employment Certified Letter from Employee/Company Memorandum 
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Home Loan Options Available in Jodhpur

There is no limit to the types of housing loan schemes offered by a good home loan agent in Jodhpur. They do so keeping in mind the multiple desires of potential home buyers and the ones who already own a home. 

The table given below depicts the top housing loan schemes offered by the best lenders in Jodhpur:

Type of Document Required The Object of the Loan
Plot Purchase Loan This home loan is for those who want to buy a residential plot where they can buy a home in a defined time period
Home Purchase Loan Offered to those keen to buy a home but lacking funds
Balance Transfer Home Loan The most convenient way to transfer the outstanding home loan amount to another lender offering the same at a cheaper rate of interest
Home Construction Loan With this home loan scheme, a person can easily get funds to construct a home on a residential plot
Home Renovation Loan The main aim of this housing loan scheme is to help a home owner with funds to renovate the home
Home Extension Loan The purpose of this home loan is to arrange for funds to extend an existing house with an extra room, floor, or balcony
Top-Up Home Loan This loan is specially designed to offer an amount on top of the home loan amount to an existing customer

Note:The options tabulated above are the most popular loan options availed of by most customers. Please check with your specific bank for other home loan options that they offer.

Best NBFCs and Banks for Home Loans in Jodhpur

To make it easier for you, we are now listing out the top financial institutions, including banks and NBFCs, that offer the most reasonable housing loan schemes in Jodhpur. These are all in partnership with the BASIC Home Loan:

Top Banks for Home Loans in Jodhpur (BASIC Partner) Top NBFCs for Home Loans in Jodhpur (BASIC Partner)
Bank of India LIC HFC
HDFC Bank Aadhar Finance
Union Bank of India L&T Finance
SBI PNB Housing
Axis Bank Tata Capital Ltd.


The minimum income required to get a home loan in Jodhpur is Rs. 15,000 per month. 

Home loans in Jodhpur are usually granted within 15-30 days from home loan application. The process will be quicker and hassle-free if the applicant has submitted all the required documents and the processing fee cheque at the time of application. 

No, bank or housing finance company will offer you 100% financing on a home loan in Jodhpur. However, you can expect up to 90% of the property cost as a home loan amount by several lenders.

Several financial lenders offer fixed and floater interest rates on home loans in Jodhpur. Fixed plans mean having a fixed interest rate throughout the loan tenure, whereas floater plans mean fluctuating interest rates on the home loan during the tenure. 

Yes, many financial lenders ask for a marriage certificate from those applying for a joint home loan in Jodhpur with their spouse. However, we advise you to verify the same from your chosen lender.