A "low interest" loan shouldn't mean you have very little interest in paying it back!
  • IKF Home Finance

    IKF Home Finance Limited offers you a variety of customised home loans when it comes to owning a home or improving it. The home loans are offered at competitive interest rates and have a quick and simple process. The interest rates range between 11.75% to 14.75% p.a. with the maximum repayment tenure which can be opted for is 20 years.

    IKF Home Finance Limited Home Loan Interest Rates 2023

    Home Loans from IKF Home Finance Limited can be availed by both salaried and self-employed individuals. The borrowed amount can go up to Rs.1 crore which can be repaid in a period of 20 years.

    Loan Amount Between Rs.5 lakh and Rs.1 crore
    Tenure Up to 20 years
    Interest rate 11.75% - 14.75% p.a.

    Compare: home loan Interest Rate for all Banks

    IKF Home Finance Limited Home Loan Schemes

    There are a variety of home loan schemes that an individual can opt for from IKF Home Finance Limited. Let us look at them:

    1. Home Purchase Loan

    • Can be availed to purchase a constructed house or an under-construction property
    • Loan amount can go up to Rs.1 crore
    • Repayment tenure can range between 3 years to 20 years

    2. Home Construction Loan

    • Applicable for construction of a house on a plot of land owned by you
    • Repayment of the tenure can go up to 20 years
    • Loan amount can range between Rs.10 lakh and Rs.1 crore

    3. Home Loan – Refinance

    • Get refinance for the investment done in last 9 months
    • Avail loan up to Rs.75 lakh
    • Interest starts at 12.75% p.a.

    4. Home Loan – Balance Transfer

    • Applicable for transferring the current home loan to IKF Home Loan
    • Increase the loan amount via a top-up loan
    • Interest charged can go up to 14.75% p.a.

    5. Composite Home Loan

    • Applicable for purchasing a plot and construct the house
    • Interest starts at 11.75% p.a.
    • Maximum loan of Rs.1 crore can be availed

    6. Home Extension Loan

    • Applicable to extend an existing house by adding additional space/floors
    • Interest rate range between 13.75% and 15.75%
    • A maximum of Rs.20 lakh can be availed as loan

    7. Home Renovation Loan

    • Can be availed to renovate an existing house
    • Availed loan amount can go up to Rs.20 lakh
    • Repayment tenure ranges between 3 and 10 years

    8. Home Improvement Loan – Refinance

    • Avail refinance for the work done in last 9 months towards the current home improvement loan
    • Repayment tenure for the loan can go up to 10 years
    • Can avail a loan in the range of Rs.3 lakh and Rs.10 lakh

    9. Home Improvement Loan – Balance Transfer

    • Can transfer the current home improvement loan to IKF Home Improvement loan
    • Avail an increase in the loan amount using a top up loan
    • Repayment tenure can be 20 years

    IKF Home Finance Limited Home Loan EMI Calculator

    If you are confused about the amount which needs to be paid as EMI upon availing a certain amount as a loan, you can use the BankBazaar IKF Home Finance Limited Home Loan Calculator to know about it. All you need to do is enter the loan amount, repayment tenure, interest rate, and the processing fee. Once the details are provided, you will get the EMI for the loan. Apart from the EMI amount, you will also be provided a detailed amortisation table with a monthly and yearly break-up of how much you be required to be paid towards the principal amount and interest amount.

    IKF Home Finance Limited Eligibility Criteria

    Type of Employment Salaried employees or self-employed individuals
    Age 21 years – 65 years

    Get Free Quote: Check Home Loan Eligibility

    Documents required to apply for IKF Home Finance Limited Home Loans

    List of documents to be submitted for availing a loan from IKF Home Finance Limited:

    • Completed application form
    • Identity and Address proof
    • Property documents
    • Legal documents

    Document Check List: Home Loan Document Required


    1. What is maximum loan amount I can avail from IKF Home Finance Limited?

      You can avail a loan of up to Rs.1 crore.

    2. Can I repay through post-dated cheques or electronic clearance system?

      Yes, you can repay the borrowed amount through post-dated cheques or electronic clearance system.

    3. For a composite loan, what is the repayment tenure?

      The repayment tenure for a composite loan is in the range of 3 years to 20 years.

    4. If I avail a home extension loan, what will be the payable interest?

      The interest rate will range between 13.75% to 15.75% p.a.

    5. What will be percentage of loan to value when it comes to home improvement loan balance transfer?

      It will be up to 70% when it comes to home improvement loan – balance transfer.


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