Repco Home Finance Home Loan
Interest rates from 9.5% p.a. (up to 11.5%) · EMI from ₹42,043/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Repco Home Finance home loans
South-India-focused HFC with a niche in self-employed borrowers and a Green Home Loan concession.
Repco home loan EMI table (9.5% p.a.)
Monthly EMI at Repco's minimum rate. Tap any amount for the full breakdown.
How much interest will a Repco loan cost?
A ₹50 lakh Repco home loan at 9.5% over 20 years means about ₹61.86 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 Repco with other lenders →
Repco home loan by city
Compare Repco with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| Repco (this page) | 9.5% | ₹46,607 |
| SMFG Grihashakti | 9.35% | ₹46,118 |
| Piramal | 9.5% | ₹46,607 |
| Utkarsh SFB | 9.5% | ₹46,607 |
| Shriram Housing | 9.5% | ₹46,607 |
| Hero Housing | 9.5% | ₹46,607 |
| CSB | 9.69% | ₹47,229 |
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Frequently Asked Questions
What is the Repco Home Finance home loan interest rate in 2026?
Repco Home Finance offers home loans starting at 9.5% p.a., going up to 11.5% 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 Repco home loan?
At 9.5% p.a., a ₹50 lakh Repco home loan has an EMI of about ₹46,607 for 20 years — roughly ₹42,043 for 30 years and ₹52,211 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a Repco home loan?
Repco Home Finance's processing fee is Around 1%, 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 Repco home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Repco 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 Repco Home Finance before applying. NestSaver is an information and planning service, not a lender.