Cholamandalam Home Loans Home Loan
Interest rates from 10.5% p.a. (up to 20%) · EMI from ₹45,737/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Cholamandalam Home Loans home loans
Cholamandalam Investment & Finance offers floating home loans with tenures up to 30 years.
Chola home loan EMI table (10.5% p.a.)
Monthly EMI at Chola's minimum rate. Tap any amount for the full breakdown.
How much interest will a Chola loan cost?
A ₹50 lakh Chola home loan at 10.5% over 20 years means about ₹69.81 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare Chola with other lenders →
Chola home loan by city
Compare Chola with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| Chola (this page) | 10.5% | ₹49,919 |
| Cent Bank HF | 10% | ₹48,251 |
| JM Financial | 10% | ₹48,251 |
| Equitas SFB | 10.5% | ₹49,919 |
| Suryoday SFB | 10.5% | ₹49,919 |
| AU SFB | 11% | ₹51,609 |
| Muthoot Homefin | 11% | ₹51,609 |
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Frequently Asked Questions
What is the Cholamandalam Home Loans home loan interest rate in 2026?
Cholamandalam Home Loans offers home loans starting at 10.5% p.a., going up to 20% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh Chola home loan?
At 10.5% p.a., a ₹50 lakh Chola home loan has an EMI of about ₹49,919 for 20 years — roughly ₹45,737 for 30 years and ₹55,270 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a Chola home loan?
Cholamandalam Home Loans's processing fee is Varies, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a Chola home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Chola home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with Cholamandalam Home Loans before applying. NestSaver is an information and planning service, not a lender.