Shriram Housing Finance Home Loan
Interest rates from 9.5% p.a. (up to 18%) · EMI from ₹42,043/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Shriram Housing Finance home loans
Floating rates linked to its Prime Lending Rate, lending up to ₹10 crore.
Shriram Housing home loan EMI table (9.5% p.a.)
Monthly EMI at Shriram Housing's minimum rate. Tap any amount for the full breakdown.
How much interest will a Shriram Housing loan cost?
A ₹50 lakh Shriram Housing 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 Shriram Housing with other lenders →
Shriram Housing home loan by city
Compare Shriram Housing with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| Shriram Housing (this page) | 9.5% | ₹46,607 |
| SMFG Grihashakti | 9.35% | ₹46,118 |
| Repco | 9.5% | ₹46,607 |
| Piramal | 9.5% | ₹46,607 |
| Utkarsh SFB | 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 Shriram Housing Finance home loan interest rate in 2026?
Shriram Housing Finance offers home loans starting at 9.5% 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 Shriram Housing home loan?
At 9.5% p.a., a ₹50 lakh Shriram Housing 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 Shriram Housing home loan?
Shriram Housing Finance's processing fee is Up to 2.5%, 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 Shriram Housing home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Shriram Housing 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 Shriram Housing Finance before applying. NestSaver is an information and planning service, not a lender.