SMFG India Home Finance (ex-Fullerton Grihashakti) Home Loan
Interest rates from 9.35% p.a. (up to 10.5%) · EMI from ₹41,497/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About SMFG India Home Finance (ex-Fullerton Grihashakti) home loans
SMFG-owned HFC (formerly Fullerton) with RPLR-linked rates for salaried and self-employed borrowers.
SMFG Grihashakti home loan EMI table (9.35% p.a.)
Monthly EMI at SMFG Grihashakti's minimum rate. Tap any amount for the full breakdown.
How much interest will a SMFG Grihashakti loan cost?
A ₹50 lakh SMFG Grihashakti home loan at 9.35% over 20 years means about ₹60.68 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 SMFG Grihashakti with other lenders →
SMFG Grihashakti home loan by city
Compare SMFG Grihashakti with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| SMFG Grihashakti (this page) | 9.35% | ₹46,118 |
| Grihum | 9.3% | ₹45,955 |
| 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 SMFG India Home Finance (ex-Fullerton Grihashakti) home loan interest rate in 2026?
SMFG India Home Finance (ex-Fullerton Grihashakti) offers home loans starting at 9.35% p.a., going up to 10.5% 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 SMFG Grihashakti home loan?
At 9.35% p.a., a ₹50 lakh SMFG Grihashakti home loan has an EMI of about ₹46,118 for 20 years — roughly ₹41,497 for 30 years and ₹51,760 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a SMFG Grihashakti home loan?
SMFG India Home Finance (ex-Fullerton Grihashakti)'s processing fee is Up to 3%, 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 SMFG Grihashakti home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a SMFG Grihashakti 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 SMFG India Home Finance (ex-Fullerton Grihashakti) before applying. NestSaver is an information and planning service, not a lender.