India Shelter Finance Home Loan
Interest rates from 13% p.a. (up to 20%) · EMI from ₹55,310/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About India Shelter Finance home loans
Affordable-housing HFC for self-employed and informal-income borrowers in Tier-2/3 markets.
India Shelter home loan EMI table (13% p.a.)
Monthly EMI at India Shelter's minimum rate. Tap any amount for the full breakdown.
How much interest will a India Shelter loan cost?
A ₹50 lakh India Shelter home loan at 13% over 20 years means about ₹90.59 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 India Shelter with other lenders →
India Shelter home loan by city
Compare India Shelter with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| India Shelter (this page) | 13% | ₹58,579 |
| AU SFB | 11% | ₹51,609 |
| Aavas | 11.3% | ₹52,634 |
| Motilal Oswal HF | 11.75% | ₹54,185 |
| Manappuram HF | 11.75% | ₹54,185 |
| Vastu HFC | 12.5% | ₹56,807 |
| Aptus | 14% | ₹62,176 |
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Frequently Asked Questions
What is the India Shelter Finance home loan interest rate in 2026?
India Shelter Finance offers home loans starting at 13% 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 India Shelter home loan?
At 13% p.a., a ₹50 lakh India Shelter home loan has an EMI of about ₹58,579 for 20 years — roughly ₹55,310 for 30 years and ₹63,262 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a India Shelter home loan?
India Shelter Finance's processing fee is 2%–3%, with a maximum tenure of 20 years and funding of up to 80% of the property value (loan-to-value).
Is prepayment allowed on a India Shelter home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a India Shelter 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 India Shelter Finance before applying. NestSaver is an information and planning service, not a lender.