Poonawalla Housing (Grihum Housing Finance) Home Loan
Interest rates from 9.3% p.a. (up to 18%) · EMI from ₹41,315/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Poonawalla Housing (Grihum Housing Finance) home loans
Formerly Poonawalla/Magma Housing, rebranded as Grihum, with 200+ branches across 18 states.
Grihum home loan EMI table (9.3% p.a.)
Monthly EMI at Grihum's minimum rate. Tap any amount for the full breakdown.
How much interest will a Grihum loan cost?
A ₹50 lakh Grihum home loan at 9.3% over 20 years means about ₹60.29 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 Grihum with other lenders →
Grihum home loan by city
Compare Grihum with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| Grihum (this page) | 9.3% | ₹45,955 |
| SMFG Grihashakti | 9.35% | ₹46,118 |
| Repco | 9.5% | ₹46,607 |
| Piramal | 9.5% | ₹46,607 |
| Utkarsh SFB | 9.5% | ₹46,607 |
| Shriram Housing | 9.5% | ₹46,607 |
| Hero Housing | 9.5% | ₹46,607 |
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Frequently Asked Questions
What is the Poonawalla Housing (Grihum Housing Finance) home loan interest rate in 2026?
Poonawalla Housing (Grihum Housing Finance) offers home loans starting at 9.3% p.a., going up to 18% 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 Grihum home loan?
At 9.3% p.a., a ₹50 lakh Grihum home loan has an EMI of about ₹45,955 for 20 years — roughly ₹41,315 for 30 years and ₹51,610 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a Grihum home loan?
Poonawalla Housing (Grihum 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 Grihum home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Grihum 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 Poonawalla Housing (Grihum Housing Finance) before applying. NestSaver is an information and planning service, not a lender.