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Rural Home Loan

Rural home loans make it possible to achieve the Government of India’s objective of ‘'Affordable Housing for All’'. These loans have special features such as zero to very minimal processing fees, flexible eligibility criteria, and minimal documentation. Interest rates range from 8.05% p.a. to 13.75% p.a. with maximum repayment tenure of up to 30 years. Loan amounts can range from Rs.2 lakh to Rs.75 lakh.

More Details: PMAY Gramin

We found 31 Home Loans

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Bank

Interest Rate

6.5%20%
  • Interest Rate range:

    6.5% - 20%

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Apply Online for LIC HFL Home Loan

  • LIC HFL Home Loan

    Loan Amount

    :  

    ₹30L -₹5Cr

    Floating

    :  

    8.40% - 8.50%

    Tenure

    :  

    5 - 30 Years

    Processing Fee

    :  

    Up to 0.25%(Max ₹ 25,000)

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Apply Online for Karnataka Bank Home Loan

  • Karnataka Bank Home Loan

    Loan Amount

    :  

    ₹20L -₹5Cr

    Floating

    :  

    8.75%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    0.50% - 2.00%

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Apply Online for HDFC Ltd. Home Loan

  • HDFC Ltd. Home Loan

    Loan Amount

    :  

    ₹5L -₹10Cr

    Floating

    :  

    8.60%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    ₹ 3,000 - ₹ 5,000

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Apply Online for Indiabulls Home Loan

  • Indiabulls Home Loan

    Loan Amount

    :  

    ₹2L -₹3Cr

    Floating

    :  

    8.99% - 9.75%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    Up to 1.00%

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Apply Online for Sundaram Home Finance Limited Home Loan

  • Sundaram Home Finance Limited Home Loan

    Loan Amount

    :  

    ₹12L -₹5Cr

    Floating

    :  

    6.95% - 8.30%

    Tenure

    :  

    1 - 20 Years

    Processing Fee

    :  

    0.50%

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Apply Online for Axis Bank Home Loan

  • Axis Bank Home Loan

    Loan Amount

    :  

    ₹5L -₹10Cr

    Fixed

    :  

    9.00%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    0.50%(Min ₹ 10,000)

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Apply Online for DBS Home Loan

  • DBS Home Loan

    Loan Amount

    :  

    ₹50L -₹5Cr

    Floating

    :  

    10.20%

    Tenure

    :  

    1 - 25 Years

    Processing Fee

    :  

    ₹ 10,000

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Apply Online for Aditya Birla Capital Home Loan

  • Aditya Birla Capital Home Loan

    Loan Amount

    :  

    ₹20L -₹10Cr

    Floating

    :  

    8.85% - 16.50%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    Up to 1.00%

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Apply Online for Union Bank Of India Home Loan

  • Union Bank Of India Home Loan

    Loan Amount

    :  

    ₹25L onwards

    Floating

    :  

    8.70%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    Up to 0.50%(Max ₹ 15,000)

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Apply Online for Federal Home Loan

  • Federal Home Loan

    Loan Amount

    :  

    Up to ₹15Cr

    Floating

    :  

    8.80%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    0.50%(Max ₹ 7,500)

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Apply Online for State Bank of India Home Loan

  • State Bank of India Home Loan

    Loan Amount

    :  

    -

    Floating

    :  

    8.40%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    ₹ 2,000 - ₹ 10,000

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Apply Online for Dhanalakshmi Bank Home Loan

  • Dhanalakshmi Bank Home Loan

    Loan Amount

    :  

    -

    Floating

    :  

    9.90% - 15.00%

    Tenure

    :  

    3 - 20 Years

    Processing Fee

    :  

    1.00%(Min ₹ 10,000)

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Apply Online for Bank Of Baroda Home Loan

  • Bank Of Baroda Home Loan

    Loan Amount

    :  

    ₹1L -₹2Cr

    Floating

    :  

    8.60%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    0.25% - 0.50%

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Apply Online for Bank of India Home Loan

  • Bank of India Home Loan

    Loan Amount

    :  

    Up to ₹5Cr

    Floating

    :  

    8.45%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    ₹ 0

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Apply Online for Bank of Maharashtra Home Loan

  • Bank of Maharashtra Home Loan

    Loan Amount

    :  

    -

    Floating

    :  

    8.60%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    0.25%

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Apply Online for Canara Bank Home Loan

  • Canara Bank Home Loan

    Loan Amount

    :  

    -

    Floating

    :  

    9.25%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    0.50%(Max ₹ 10,000)

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Apply Online for IDBI Bank Home Loan

  • IDBI Bank Home Loan

    Loan Amount

    :  

    ₹5L -₹10Cr

    Floating

    :  

    8.65%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    0.50%

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Apply Online for Indian Overseas Bank Home Loan

  • Indian Overseas Bank Home Loan

    Loan Amount

    :  

    -

    Floating

    :  

    9.55%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    0.50%

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Apply Online for Karur Vysya Bank Home Loan

  • Karur Vysya Bank Home Loan

    Loan Amount

    :  

    -

    Floating

    :  

    6.50%

    Tenure

    :  

    1 - 25 Years

    Processing Fee

    :  

    ₹ 2,500 - ₹ 7,500

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Apply Online for South Indian Bank Home Loan

  • South Indian Bank Home Loan

    Loan Amount

    :  

    -

    Floating

    :  

    9.85%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    0.50%(Max ₹ 10,000)

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Apply Online for Tamilnad Mercantile Bank Home Loan

  • Tamilnad Mercantile Bank Home Loan

    Loan Amount

    :  

    Up to ₹5Cr

    Floating

    :  

    9.45%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    2.00%(Max ₹ 15,000)

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Apply Online for Central Bank of India Home Loan

  • Central Bank of India Home Loan

    Loan Amount

    :  

    ₹20L -₹75L

    Floating

    :  

    8.35% - 9.35%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    1.00%(Min ₹ 10,000)

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Apply Online for India Shelter Finance Corporation Home Loan

  • India Shelter Finance Corporation Home Loan

    Loan Amount

    :  

    Up to ₹20L

    Fixed

    :  

    13.00% - 20.00%

    Tenure

    :  

    Up to 20 Years

    Processing Fee

    :  

    Up to 3.00%

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Apply Online for Aavas Financiers Limited Home Loan

  • Aavas Financiers Limited Home Loan

    Loan Amount

    :  

    -

    Floating

    :  

    9.50%

    Tenure

    :  

    1 - 15 Years

    Processing Fee

    :  

    2.00%

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Apply Online for Reliance Home Finance Limited Home Loan

  • Reliance Home Finance Limited Home Loan

    Loan Amount

    :  

    -

    Fixed

    :  

    9.75% - 13.00%

    Tenure

    :  

    Up to 30 Years

    Processing Fee

    :  

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Apply Online for Tata Capital Limited Home Loan

  • Tata Capital Limited Home Loan

    Loan Amount

    :  

    Up to ₹3Cr

    Floating

    :  

    8.70%

    Tenure

    :  

    Up to 30 Years

    Processing Fee

    :  

    2.00%

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Apply Online for Yes Bank Home Loan

  • Yes Bank Home Loan

    Loan Amount

    :  

    -

    Floating

    :  

    9.40% - 10.25%

    Tenure

    :  

    1 - 25 Years

    Processing Fee

    :  

    Up to 2.00%

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Apply Online for Jammu And Kashmir Bank Home Loan

  • Jammu And Kashmir Bank Home Loan

    Loan Amount

    :  

    Up to ₹50L

    Floating

    :  

    8.75%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    2.00% - 3.00%

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Apply Online for IDFC Home Loan

  • IDFC Home Loan

    Loan Amount

    :  

    ₹30L onwards

    Floating

    :  

    8.00% - 14.00%

    Tenure

    :  

    5 - 30 Years

    Processing Fee

    :  

    ₹ 10,000

Enquire
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Apply Online for Kotak Mahindra Bank Home Loan

  • Kotak Mahindra Bank Home Loan

    Loan Amount

    :  

    -

    Floating

    :  

    8.75%

    Tenure

    :  

    1 - 20 Years

    Processing Fee

    :  

    ₹ 10,000

Enquire
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Apply Online for PNB Housing Home Loan

  • PNB Housing Home Loan

    Loan Amount

    :  

    ₹8L onwards

    Floating

    :  

    8.75% - 10.90%

    Tenure

    :  

    1 - 30 Years

    Processing Fee

    :  

    Up to 0.25%(Max ₹ 15,000)

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Rural Housing Loan Scheme Interest Rate 

Rural Housing Finance

Interest Rate

Processing Fee on Loan Amount

HDFC Rural Housing

7.35% p.a.

Up to 6%

Bajaj Housing Finance

9.25% p.a. onwards

Up to 6%

Indiabulls Rural Home Loans

8.99% p.a. onwards

Up to 2%

Bank of Baroda Rural Finance Scheme

6.25% p.a

0.125%

IIFL Rural Housing Scheme

8.70% p.a.

Up to 1.25%

Axis Asha Home Loan

10.05% p.a.

Up to 1%

Compare: Home Loan Interest Rate all Banks

Eligibility Criteria for Rural Home Loan

The following are the eligibility criteria for rural home loans:

  • Indian residents
  • Age 21 years and above
  • Steady and regular income
  • Single individual applicants or joint applicants with other family members such as a parent, spouse, or children who have a steady source of income
  • Agriculturalists, entrepreneurs, self-employed, salaried, and professionals are eligible
  • Check your Home Loan Eligibility
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Documentation for Rural Home Loan

The following documents are required to be submitted at the time of loan application:

  • Proof of income and proof of identity such as:
  • Agriculturalists must submit income proof such as:
    • Last 6 months’ bank statements
    • Copy of title documents of agricultural land as a proof of land holding
    • Copies of title documents of agricultural land as a proof of crops being cultivated
  • Salaried applicants must submit income proof such as:
    • PAN card
    • Last 6 months bank statement
    • Last 3 months’ salary slips
    • Latest IT returns
    • Form 16
  • Self-employed applicants must submit income proof such as:
    • PAN Card
    • IT assessment for the last 3 years
    • Profit & Loss statement for the business
    • Account statements for business and self
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Documents required may vary depending on the bank.

Features and Benefits of Rural Home Loan:

  • Zero to minimal processing fee
  • Concession in interest rate
  • Complimentary insurance cover is offered by some banks
  • Loan margin requirements are lower, varying from 10% to 20%
  • Longer repayment tenures
  • More flexible repayment options
  • Personalized documentation assistance
  • Door-to-door servicing of loans
  • Zero prepayment penalty
  • Moratorium period of up to 18 months offered by some banks
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Loan Tenure and Quantum:

  • Flexible tenure options between 3 to 20 years
  • Quantum of loan ranges from Rs.5 lakh to Rs.15 lakh depending on income, repayment capacity, and project cost.
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