Motilal Oswal Home Finance Home Loan
Interest rates from 11.75% p.a. (up to 17%) · EMI from ₹50,470/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Motilal Oswal Home Finance home loans
Affordable-housing arm of the Motilal Oswal group (formerly Aspire).
Motilal Oswal HF home loan EMI table (11.75% p.a.)
Monthly EMI at Motilal Oswal HF's minimum rate. Tap any amount for the full breakdown.
How much interest will a Motilal Oswal HF loan cost?
A ₹50 lakh Motilal Oswal HF home loan at 11.75% over 20 years means about ₹80.04 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 Motilal Oswal HF with other lenders →
Motilal Oswal HF home loan by city
Compare Motilal Oswal HF with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| Motilal Oswal HF (this page) | 11.75% | ₹54,185 |
| AU SFB | 11% | ₹51,609 |
| Muthoot Homefin | 11% | ₹51,609 |
| Aavas | 11.3% | ₹52,634 |
| Manappuram HF | 11.75% | ₹54,185 |
| Vastu HFC | 12.5% | ₹56,807 |
| India Shelter | 13% | ₹58,579 |
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Frequently Asked Questions
What is the Motilal Oswal Home Finance home loan interest rate in 2026?
Motilal Oswal Home Finance offers home loans starting at 11.75% p.a., going up to 17% 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 Motilal Oswal HF home loan?
At 11.75% p.a., a ₹50 lakh Motilal Oswal HF home loan has an EMI of about ₹54,185 for 20 years — roughly ₹50,470 for 30 years and ₹59,207 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a Motilal Oswal HF home loan?
Motilal Oswal Home Finance's processing fee is Varies, with a maximum tenure of 25 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a Motilal Oswal HF home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Motilal Oswal HF 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 Motilal Oswal Home Finance before applying. NestSaver is an information and planning service, not a lender.