Grihum Home Loan in Pune
Interest rates from 9.3% p.a. · EMI from ₹45,447/month for a ₹55L loan over 30 years. Updated for 2026.
See full Grihum home loan details, rates & EMI →
Quick EMI Estimate
Based on the average loan amount in Pune (₹55 lakh) at Grihum's minimum rate of 9.3% p.a.
Why choose Poonawalla Housing (Grihum Housing Finance) for a home loan in Pune?
Formerly Poonawalla/Magma Housing, rebranded as Grihum, with 200+ branches across 18 states.
Pune balances affordability with strong infrastructure. The Hinjewadi-Wakad belt remains the most active corridor for first-time home buyers.
Popular Pune localities for home buyers
Pune's most active home-buying corridors are concentrated in these areas, where Grihum customers are typically funding 70–90% of property value:
Average property price (2BHK): ₹75 lakh · Per-sqft rate: ₹9,500
How much will you save by prepaying?
A ₹55 lakh Grihum home loan at 9.3% over 20 years means you pay roughly ₹66,32,240 in interest alone — almost as much as the principal itself.
A modest ₹10,000/month prepayment can shave 6–8 years off your tenure and save ₹15–25 lakh in interest. The NestSaver prepayment simulator shows you exactly how much, in seconds.
Run prepayment simulation →Compare top home loan offers in Pune →
Frequently Asked Questions
What is the Grihum home loan interest rate in Pune?
Poonawalla Housing (Grihum Housing Finance) offers home loans in Pune starting at 9.3% p.a., going up to 18% p.a. depending on your CIBIL score, loan amount, and employment profile. The processing fee is Varies.
What is the EMI for a ₹55 lakh Grihum home loan in Pune?
For a ₹55 lakh loan from Poonawalla Housing (Grihum Housing Finance) at 9.3% interest, the EMI is approximately ₹50,551 for 20 years, ₹47,291 for 25 years, and ₹45,447 for 30 years. Use the NestSaver calculator above for exact figures based on your loan amount and tenure.
How much home loan can I get from Grihum in Pune?
Poonawalla Housing (Grihum Housing Finance) typically finances up to 90% of the property value as a home loan in Pune, subject to a maximum tenure of 30 years. Your eligibility depends on your monthly income, existing EMIs, and credit score (typically 750+ for the best rates).
What documents are required for Grihum home loan in Pune?
You will need identity proof (Aadhaar/PAN), address proof, last 3 months' salary slips, last 6 months' bank statements, Form 16 or ITR for 2 years, and property documents (sale agreement, NOC from builder/society, approved plan). Self-employed applicants need GST returns and business proof.
Is prepayment allowed on a Grihum home loan?
Yes. Under RBI guidelines, Poonawalla Housing (Grihum Housing Finance) cannot charge any prepayment penalty on floating-rate home loans. You can make partial or full prepayments at any time to reduce your interest burden. Use the NestSaver prepayment simulator to see exactly how much you can save.
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