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8.25 % * p.a

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7.5% * p.a

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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.

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.
Speedy Approvals
Flexible Repayment
Tenure upto 20 Years
Loans upto ₹ 300 Lacs
Home Loans offered for:
Repairs and Renovation
Loan Take Overs
Interest Rate
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 FBIL 12 Month T-Bill Rate. FBIL is an external rate benchmark published by Financial Benchmark India Private Ltd. Rate is published at http://www.fbil.org.in/securities?op=tbillcurve&mq=o.


Charges Details of Charges
Processing Fees Upto 2%
Admin Fee 0.15%
Login Fee (Non-refundable and part of processing fees) Rs. 2000/-
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) Nil
Part Pre-Payment Charges excluding corporate borrowers (Floating ROI period) Nil
Foreclosure Charges (Fixed ROI Period) 2% on the future principle amount
Foreclosure Charges excluding corporate borrowers (Floating ROI Period) Nil
Cheque Bouncing Charges Rs.500/-
Delayed Payment Charges 24% per annum for the delayed days from EMI bounced 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
Mean rate and Interest rate range for the quarter July '19 - September '19
Segment Mean interest rate Interest rate range
Min Rate (in %) p.a. Max Rate (in %) p.a.
Housing Loan 11.63% 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 July '19 - September '19
Segment Min Rate (in %) Max Rate (in %)
Housing Loan 10.00% 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

• 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.