GIC Housing Finance Home Loan
Interest rates from 8.8% p.a. (up to 10.25%) · EMI from ₹39,514/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About GIC Housing Finance home loans
GIC-promoted HFC offering loans up to ₹5 crore with up to 90% financing on smaller properties.
GIC Housing home loan EMI table (8.8% p.a.)
Monthly EMI at GIC Housing's minimum rate. Tap any amount for the full breakdown.
How much interest will a GIC Housing loan cost?
A ₹50 lakh GIC Housing home loan at 8.8% over 20 years means about ₹56.43 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 GIC Housing with other lenders →
GIC Housing home loan by city
Compare GIC Housing with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| GIC Housing (this page) | 8.8% | ₹44,345 |
| Federal | 8.75% | ₹44,186 |
| DCB | 8.75% | ₹44,186 |
| J&K Bank | 8.75% | ₹44,186 |
| Karnataka Bank | 8.75% | ₹44,186 |
| Aditya Birla HF | 8.75% | ₹44,186 |
| IDFC First | 8.85% | ₹44,505 |
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Frequently Asked Questions
What is the GIC Housing Finance home loan interest rate in 2026?
GIC Housing Finance offers home loans starting at 8.8% p.a., going up to 10.25% 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 GIC Housing home loan?
At 8.8% p.a., a ₹50 lakh GIC Housing home loan has an EMI of about ₹44,345 for 20 years — roughly ₹39,514 for 30 years and ₹50,120 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a GIC Housing home loan?
GIC Housing Finance'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 GIC Housing home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a GIC Housing 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 GIC Housing Finance before applying. NestSaver is an information and planning service, not a lender.