Equitas Small Finance Bank Home Loan
Interest rates from 10.5% p.a. (up to 16.5%) · EMI from ₹45,737/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Equitas Small Finance Bank home loans
Uses a fixed-for-three-years then floating hybrid structure on home loans.
Equitas SFB home loan EMI table (10.5% p.a.)
Monthly EMI at Equitas SFB's minimum rate. Tap any amount for the full breakdown.
How much interest will a Equitas SFB loan cost?
A ₹50 lakh Equitas SFB 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 Equitas SFB with other lenders →
Equitas SFB home loan by city
Compare Equitas SFB with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| Equitas SFB (this page) | 10.5% | ₹49,919 |
| Cent Bank HF | 10% | ₹48,251 |
| JM Financial | 10% | ₹48,251 |
| Suryoday SFB | 10.5% | ₹49,919 |
| Chola | 10.5% | ₹49,919 |
| AU SFB | 11% | ₹51,609 |
| Muthoot Homefin | 11% | ₹51,609 |
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Frequently Asked Questions
What is the Equitas Small Finance Bank home loan interest rate in 2026?
Equitas Small Finance Bank offers home loans starting at 10.5% p.a., going up to 16.5% 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 Equitas SFB home loan?
At 10.5% p.a., a ₹50 lakh Equitas SFB 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 Equitas SFB home loan?
Equitas Small Finance Bank's processing fee is Up to 2%, with a maximum tenure of 20 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a Equitas SFB home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Equitas SFB 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 Equitas Small Finance Bank before applying. NestSaver is an information and planning service, not a lender.