Shriram Finance Home Loan Interest Rate
Shriram Finance Home Loan Interest Rate
Carrying the rich legacy of the esteemed Shriram Group, Shriram Housing Finance Ltd. (SHFL) is an emerging NBFC offering easy financial services to eligible candidates across India. One such popular offering from this housing finance company comes in the form of housing loans. Shriram Finance home loan interest rate starts at 11.0% per annum, and both self-employed or salaried applicants can apply for it. Applicants can also choose Shriram Finance home loan rate of interest on a fixed or floater basis, as per their preference. To avail Shriram home loan interest rate, an applicant has to pay a processing fee of up to 2.5% of the loan amount and taxes.
Shriram Finance 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
Shriram Housing Finance Home Loan Key Highlights
Amount of Loan
Up to Rs. 10 crores
Rate of Interest
10.25% p.a. onwards
Processing Fees
3%
Max Tenure for Loan Repayment
30 years
Shriram Finance Home Loan Interest Rates in 2025
Potential home buyers prefer Shriram Housing Finance to get easy housing loans with minimum documentation. Shriram's home loan interest rate begins at 9.50% per annum. Indian residents and Non-Resident Indians (NRIs) can avail home loans from Shriram by meeting the eligibility criteria set by the NBFC. Have a look at the details about Shriram Finance home loan interest rate 2025:
| Loan Category | Rate of Interest on Home Loan |
|---|---|
| Salaried Applicants | 9.50% per annum onwards |
| Self-Employed Applicants | 9.50% per annum onwards |
Standard Home Loan Rates of Interest for Salaried and Self-Employed Applicants
Repo Linked Lending Rate (RLLR)
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loan | 9.50% per annum onwards |
Shriram Residential Plot Loan Interest Rates
| Loan Slab | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loans | 9.50% per annum onwards |
Top-Up Loans Interest Rates
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| Top-Up for Bank Customers | 9.50% per annum onwards |
Interest rates were last updated on 1st July 2025
Shriram Finance Home Loan Interest Rates for All Schemes in India
Shriram Housing Finance Ltd. (SHFL) offers a wide range of housing loan schemes to match all needs. Whether a person wants to buy a home or a plot, extend or improve an existing home, or transfer the outstanding loan amount to SHFL at cheaper rates, all is possible under the varied housing loan schemes offered by the NBFC that are listed below:
| Shriram Housing Finance Home Loan Schemes | Rates of Interest for Each Plan |
|---|---|
| Shriram Home Loan | 9.50% per annum onwards |
| Shriram Home Extension Loan | 9.50% per annum onwards |
| Shriram Home Improvement Loan | 9.50% per annum onwards |
| Shriram Residential Plot Loan | 9.50% per annum onwards |
| Shriram Easy Balance Transfer Home Loan | 9.50% per annum onwards |
| Shriram Top-Up Home Loan | 9.50% per annum onwards |
| Shriram PMAY Home Loan | 9.50% per annum onwards |
Shriram Finance Home Loan Interest Rates for Balance Transfer, Top Up and Overdraft
Shriram Housing Finance provides three interesting home loan features to existing home loan customers. Continue reading to learn about these:
Shriram Housing Finance Home Loan Balance Transfer
Opting for the Shriram Finance Balance Transfer housing loan scheme will help you mend your previous decision of choosing another lender who offered you a home loan at a higher interest rate. In simpler words, Shriram Balance Transfer is a scheme that allows customers to transfer their remaining loan amount to SHFL for better loan benefits and reduced interest rates. The interest rate for the Shriram Housing Finance balance transfer home loan begins at 9.50% per annum.
Shriram Housing Finance Home Loan Top-Up
You can now get extra funds on top of your housing loan amount through the Shriram Housing Finance Home Loan Top-Up facility. It is a perfect way to meet sudden personal expenses without going through time-consuming formalities. The Shriram Housing Finance home loan top-up interest rate starts at 9.50% per annum.
Shriram Housing Finance Home Loan Overdraft Option
The Shriram Finance overdraft facility on home loans is a convenient way through which the bank allows its customers to avail some extra money to handle any kind of financial urgency. The main benefit of this overdraft facility is that it saves the customer the time to apply for a fresh loan. Shriram Housing Finance's overdraft facility is available at an interest rate of 9.50% per annum.
Shriram Housing Finance Home Loan EMI Calculator 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 | 9.50% p.a. | Rs. 12,940 | Rs. 9,321 | Rs. 8,409 |
| Rs. 20 lakh | 9.50% p.a. | Rs. 25,880 | Rs. 18,643 | Rs. 16,817 |
| Rs. 30 lakh | 9.50% p.a. | Rs. 38,819 | Rs. 27,964 | Rs. 25,226 |
| Rs. 40 lakh | 9.50% p.a. | Rs. 51,759 | Rs. 37,285 | Rs. 33,634 |
| Rs. 50 lakh | 9.50% p.a. | Rs. 64,699 | Rs. 46,607 | Rs. 42,043 |
| Rs. 60 lakh | 9.50% p.a. | Rs. 77,639 | Rs. 55,928 | Rs. 50,451 |
| Rs. 70 lakh | 9.50% p.a. | Rs. 90,578 | Rs. 65,249 | Rs. 58,860 |
| Rs. 80 lakh | 9.50% p.a. | Rs. 1,03,518 | Rs. 74,570 | Rs. 67,268 |
| Rs. 90 lakh | 9.50% p.a. | Rs. 1,16,458 | Rs. 83,892 | Rs. 75,677 |
| Rs. 1 crore | 9.50% p.a. | Rs. 1,29,398 | Rs. 93,213 | Rs. 84,085 |
Disclaimer:
The table above was just for your reference to get an estimate of EMI payable per month on Shriram's home loan at an interest rate of 9.50% per annum. Remember, these are subject to change based on the interest rate of the NBFC and other parameters.
How to Calculate Shriram Finance Home Loan Interest Rates?
There is no need to get confused thinking about how to calculate the interest rate and how much you need to pay as monthly EMI for your SHFL home loan. You can simply use the online EMI calculator provided at EMI. Worry not about how to calculate monthly EMI payable for home loans at Shriram Housing, as we are now highlighting the same for different tenures to make it easier for you:
Compare Shriram Finance Home Loan Interest Rate with Top Banks
When applying for anything as crucial as a home loan, a little comparison is always fruitful and will lead to a perfect decision. So, before you apply for a housing loan from Shriram Housing Finance Ltd., compare its interest rate and processing fee with those of similar financial institutions. For this purpose, we are now showcasing these parameters of the top 5 leading banks and NBFCs along with SHFL in the table below:
Shriram Finance Home Loan Balance Transfer Interest Rates
Shriram Housing Finance Ltd. knows how to make home loans more convenient for customers. Therefore, it offers schemes like Shriram Finance Home Loan Balance Transfer to help existing home loan customers transfer their remaining home loan amount balance from another bank to SHFL at a lower interest rate.
Shriram Finance home loan balance transfer interest rates start at 9.50% per annum for salaried and self-employed borrowers. It is a flexible way of switching your outstanding loan amount to SHFL for the sake of better loan benefits and rate of interest. The procedure to transfer the balance of a loan amount to Shriram Housing Finance is described below:
The first step to take is to visit the official BASIC Home Loan website and explore its Repay Right section - Repay Right
The second step requires you to fill in the right information in the online form that pops up. Some of the details you will be asked in this form are details of the existing home loan and the new home loan to which you want to switch
After filling out the form, move on to click ‘Next’
The next page that opens will now display the Shriram Housing Finance Home Loan Balance Transfer option.
If you do not want to take all these steps mentioned above, simply contact a BASIC Home Loan representative to seek assistance in applying for a Shriram Housing Finance Balance Transfer Home Loan
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