Standard Chartered Home Loan Interest Rate
Standard Chartered Home Loan Interest Rate
With its presence in India for over 160 years, Standard Chartered is a British multinational bank offering affordable financial services to eligible applicants. The Standard Chartered home loan interest rate starts at 8.65% per annum. Applicants can choose a floater or fixed Standard Chartered home loan rate, as per their preference. The maximum loan amount offered on a Standard Chartered home loan is up to Rs. 35 crore based on the eligibility set by the bank. The SCB charges a nominal processing fee ranging between 0.50% to 1% of the loan amount for all home loan applications.
Standard Chartered Housing EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
Standard Chartered Bank Home Loan Key Highlights
Amount of Loan
Up to Rs. 35 crore
Rate of Interest
8.65% p.a. onwards
Processing Fees
0.50% to 1% of the loan amount
Max Tenure for Loan Repayment
25 years
Standard Chartered Home Loan Interest Rates in 2025
Standard Chartered Bank makes it easy for potential home buyers to buy a home with affordable home loans and minimum documentation. The Standard Chartered Bank interest rate starts at 13 - 16% per annum. The tables given below highlight the Standard Chartered home loan interest rate 2025 for different categories of loan applicants.
| Loan Category | Rate of Interest on Home Loan |
|---|---|
| Salaried | 8.65% p.a. onwards |
| Self-Employed | 8.65% p.a. onwards |
Standard Home Loan Rates of Interest for Salaried and Self-Employed Applicants
Prime Lending Rate (PLR) is 8.65%
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loan | 8.65% p.a. onwards |
Standard Chartered Home Saver Loan Interest Rates
| Loan Slab | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loans | 8.65% p.a. onwards |
Top-Up Loans Interest Rates
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| Top-Up for Existing Bank Customers | 8.65% p.a. onwards |
Interest rates were last updated on 1st July 2025
Standard Chartered Home Loan Interest Rates for All Schemes in India
Standard Chartered Bank understands that different people may have different needs for home loans. Therefore, it offers a wide range of home loan schemes for their benefit. The table below will give you a clear idea of the home plan schemes offered by the bank and the standard rate of interest offered on each.
| Standard Chartered Bank Home Loan Schemes | Rates of Interest for Each Plan |
|---|---|
| Standard Chartered Bank Home Loan | 8.65% p.a. onwards |
| Standard Chartered Home Pack Loan | 8.65% p.a. onwards |
| Standard Chartered Home Saver Loan | 8.65% p.a. onwards |
| Standard Chartered Bank Top-Up Home Loan | 8.65% p.a. onwards |
| Standard Chartered Bank Balance Transfer Home Loan | 8.65% p.a. onwards |
Standard Chartered Home Loan Interest Rates for Balance Transfer, Top Up and Overdraft
Standard Chartered Bank offers three convenient options to home loan borrowers to help them manage their financial liabilities. These three options are an overdraft facility, a top-up loan, and a balance transfer home loan scheme.
Standard Chartered Bank Home Loan Balance Transfer
Standard Chartered Bank allows home loan borrowers to easily shift their outstanding home loan amount from another bank or NBFC to SCB at a lower interest rate. The customer must choose the Standard Chartered Bank home loan balance transfer scheme for this. The rate of interest for Standard Chartered balance transfer starts at 8.65% per annum.
Standard Chartered Bank Home Loan Top-Up
Standard Chartered Bank home loan top-up is a facility offered to existing home loan borrowers to borrow additional funds on top of their original loan amount. Through an SCB top-up, the customer can easily manage education, marriage, or business expenses without applying for another loan. Standard Chartered Bank home loan top-up interest rate starts at 8.65% per annum.
Standard Chartered Bank Home Loan Overdraft Option
Standard Chartered Bank overdraft facility on home loans is a flexible option through which home loan borrowers can deposit or withdraw extra funds whenever required to meet their personal or professional needs. The main objective of the Standard Chartered OD facility is to save the customer from the hassles of reapplying for another loan from the bank. The SCB OD home loan interest rate starts at 8.65% per annum.
Standard Chartered Bank 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 | 8.65% p.a. | Rs. 12,479 | Rs. 8,773 | Rs. 8,154 |
| Rs. 20 lakh | 8.65% p.a. | Rs. 24,958 | Rs. 17,547 | Rs. 16,307 |
| Rs. 30 lakh | 8.65% p.a. | Rs. 37,437 | Rs. 26,320 | Rs. 24,461 |
| Rs. 40 lakh | 8.65% p.a. | Rs. 49,916 | Rs. 35,094 | Rs. 32,614 |
| Rs. 50 lakh | 8.65% p.a. | Rs. 62,395 | Rs. 43,867 | Rs. 40,768 |
| Rs. 60 lakh | 8.65% p.a. | Rs. 74,874 | Rs. 52,640 | Rs. 48,922 |
| Rs. 70 lakh | 8.65% p.a. | Rs. 87,353 | Rs. 61,414 | Rs. 57,075 |
| Rs. 80 lakh | 8.65% p.a. | Rs. 99,831 | Rs. 70,187 | Rs. 65,229 |
| Rs. 90 lakh | 8.65% p.a. | Rs. 1,12,310 | Rs. 78,961 | Rs. 73,382 |
| Rs. 1 crore | 8.65% p.a. | Rs. 1,24,789 | Rs. 87,734 | Rs. 81,536 |
Disclaimer:
The figures in the table above are based on an 8.65% p.a. interest rate offered by the Standard Chartered Bank. They may vary, however, based on the different interest rates offered by other banks, your monthly income, and other factors.
How to Calculate Standard Chartered Home Loan Interest Rates?
The simplest way of determining the interest rate payable on a Standard Chartered Bank home loan plan is by using the online home loan interest rate calculator available at EMI. Use this easy-to-use online EMI calculator to plan your monthly finances better without any confusion. The table below provides a detailed estimate of the EMI payable and the interest rate on Standard Chartered Bank home loans:
Compare Standard Chartered Home Loan Interest Rate with Top Banks
You are advised to compare Standard Chartered Bank home loan interest rates with other leading banks and NBFCs for an informed decision. The table below enlists the interest rates and processing fees of other prominent financial organizations in India providing home loans:
Standard Chartered Home Loan Balance Transfer Interest Rates
Existing home loan borrowers can easily switch to lower interest rates Standard Chartered Bank offers through the Balance Transfer Home Loan Scheme. It is a flexible way through which the customer can transfer the outstanding loan amount to SCB's lower interest rate without any hassles.
Standard Chartered home loan balance transfer interest rates start at 8.65% per annum. This home loan facility is open for both salaried and self-employed borrowers. Have a look at the easiest way to apply for a Standard Chartered Bank balance transfer home loan:
Go to the Repay Right section on the BASIC Home Loan website - Repay right
Enter the required information in the provided form and fill in the key details on the current outstanding loan amount, existing rate of interest per annum, new rate of interest per annum, existing loan repayment tenure, and existing EMI paid on the loan amount.
Click on Next once you have entered the required details on the form.
You can see your total savings with the Standard Chartered Bank Home Loan Balance Transfer option on the next page.
Alternatively, you can get in touch with one of the team representatives of BASIC Home Loan, who can help maximize your savings with Standard Chartered Bank Balance Transfer on home loans.
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