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Owning a home is everyone’s dream. Make your dream a reality with Equitas Home Loan, specially designed for salaried and self-employed category.

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With loan value up to 90%, you now have an array of products to choose from to make your dream come true.


Equitas offers tailor-made Home Loan options that fit you best.

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    Speedy Approvals

    Flexible Repayment

    Tenure upto 20 Years

    Loans upto ₹ 300 Lacs


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Self-Construction Purchase Repairs and Renovation Loan Take Overs

Calculate your Home Loan EMI instantly with Loan Calculator





Charges Details of Charges
Legal Charges Rs.1500/- for loan amount less than or equal to 5 
lakhs Rs.2000/- for loans greater than 5 lakhs
Processing Fees 1%(for Self-Employed cases greater than 50 lakhs) 
0.75% (for salaried cases) 0.50% (for Preferred 
corporates) 2% for others
Admin Fee 0.15%
Login Fee (Non-refundable and part of processing fees) Less than 5 lakhs Rs.1500 inclusive of GST Greater 
than 5 lakhs Rs.3000 inclusive of GST
CERSAI Charges Rs 50/- for all loans up to Rs 5 Lakhs and Rs 100/- for all other loans
Part Pre-Payment Charges (Fixed ROI period) 2 % on the Prepaid amount 
Part Pre-Payment Charges excluding corporate borrowers (Floating ROI period) Nil
Foreclosure Charges (Fixed ROI Period) 2% on the future principal amount
Foreclosure Charges excluding corporate borrowers (Floating ROI Period) Nil
Cheque Bouncing Charges Rs.500/-
Over Due Charges 24% per annum for the delayed days from EMI Due date till the date of payment
Field Visit Charges Rs. 250 per visit for EMI collection
Documentation Charges Rs. 1150/-
PDC Swap Charges Nil
Charges for providing a photocopy of documents Nil
Charges for providing a statement of accounts Nil
*Goods and Services Tax (GST) will be charged extra as per the applicable rates, on all the charges and 
fees (wherever GST is applicable)
Mean rate and Interest rate range for the quarter Apr 2023 – Jun 2023
Segment Mean interest rate Interest rate range
    Min Rate (in %) p.a. Max Rate (in %) p.a.
Housing Loan 12.13% 9.50% 15.00%

• Mean rate = Sum of rate of interest of all loan accounts / Number of all loan accounts.


Annualised Percentage Return (APR) for the quarter Apr 2023 – Jun 2023
Segment Min Rate (in %) Max Rate (in %)
Housing Loan 10.25% 17.00%
* Annual Percentage Rate: The Annual Percentage Rate (APR) is a method to compute annualized credit cost which includes interest rate and the loan origination fee


Housing Finance    
Type of Loan Segment Effective Rate Of Interest (p.a.) linked to External Benchmark Rate
Fixed or Hybrid# Micro Home Finance 15.00%*
Fixed or Hybrid# Others 9.50% - 15.00%*

# Hybrid: Fixed for 3 years and thereafter floating interest rate

* Market Linked Benchmark (MLB): External Benchmark Rate is arrived based on Repo Rate published by RBI. Rate is published at https://rbi.org.in/home.aspx

• Application forms complete in all respects will be processed within 14 days from the date of receipt of application form.

• Wherever additional information/documentation is required to process the application form, the same shall be intimated to the customer within 14 days from the date of receipt of the application form.

To make payments for the Loan via NEFT / RTGS, please contact your Home Branch – Branch Manager for further details

Loan Application Forms and Loan Agreements can be accessed in Form Centre