Housing finance company · Home Loan
Sammaan Capital (formerly Indiabulls Housing Finance) Home Loan 2026
Indiabulls Housing Finance renamed itself Sammaan Capital Ltd in 2024; it continues to offer home loans and service existing Indiabulls loans. Interest rate 8.75% onwards, tenure Up to 15 years (per source; confirm with lender).
Rates as of Sep 2026 · Checked 30 September 2026Interest rate
8.75%
onwardsEMI on ₹50,00,000 (20 yrs)
₹44,186
Sammaan Capital (formerly Indiabulls Housing Finance) Home Loan at a glance
Interest rate8.75% onwards
Processing fee0.50% onwards + charges
Loan amount—
TenureUp to 15 years (per source; confirm with lender)
BenchmarkRMLR 12.60% / RCLR 14.60%
Maximum age65 at maturity
Lender typeHousing finance company
Rank on this site#13 of 17 by starting rate
Strengths
- Starting rate 8.75% on new loans
- Rural and NRI variants
Watch out for
- Existing borrowers’ benchmark (RMLR 12.60%) is far above the new-loan rate — check your reset
- Shorter maximum tenure per source
Indiabulls Housing Finance is now Sammaan Capital. Old Indiabulls loan accounts continue under the new name.
Sammaan Capital home loan interest rate & charges
| Feature | Sammaan Capital |
|---|---|
| Interest rate | 8.75% onwards |
| Rate details | Official: 8.75% p.a. onwards (Sep 2026); final rate depends on profile, loan amount, tenure and property. Existing loans are linked to RMLR 12.60% (salaried and self-employed professionals) or RCLR 14.60% (self-employed non-professionals), last reset 17 Feb 2023. |
| Processing fee | 0.50% onwards + charges |
| Loan amount | — |
| Tenure | Up to 15 years (per source; confirm with lender) |
| Prepayment / foreclosure | Nil on floating-rate home loans |
| Benchmark | RMLR 12.60% / RCLR 14.60% |
| Maximum age | 65 at maturity |
| LTV | Up to 90% (within RBI slabs) |
Special schemes & features
Rural home loan
For houses in rural areas
NRI home loan
For non-resident Indians
Top-up / renovation
Extra loan on an existing home loan
Source: www.sammaancapital.com, Sep 2026. Rates are indicative; your rate depends on your profile. Always check the Key Facts Statement (KFS) for the APR before signing.
EMI at Sammaan Capital’s rates
| Loan amount | EMI @ 8.75% |
|---|---|
| ₹25,00,000 | ₹22,093 |
| ₹50,00,000 | ₹44,186 |
| ₹75,00,000 | ₹66,278 |
Tenure 20 years, reducing-balance method. Total interest on ₹50,00,000 at 8.75%: ₹56,04,529.
Sammaan Capital home loan EMI calculator
Eligibility
- Resident Indians and NRIs; minimum age usually 18 – 21
- Maximum age at loan maturity typically 60 – 75 depending on lender and employment (e.g. Canara/PNB 70, Bandhan 75, some LIC HFL schemes 80)
- Regular income: salaried, self-employed professional or self-employed business owner; informal-income borrowers at affordable-housing lenders
- Credit score: 750+ usually gets the best rates (LIC HFL’s lowest rate needs 825+)
- Total EMIs (including the new loan) generally within 50% – 60% of net monthly income
- Property with clear, marketable title and approved plan; loan limited by RBI LTV caps (90% / 80% / 75%)
Documents required
- KYC: PAN (mandatory), Aadhaar / passport / voter ID, address proof, photographs
- Salaried: last 3 salary slips, Form 16 (2 years), 6 months’ salary bank statement
- Self-employed: ITR with computation (2 – 3 years), CA-certified P&L and balance sheet, business proof (GST / Udyam / licence), 12 months’ bank statements
- Property: sale agreement / allotment letter, title chain, approved plan, RERA registration, OC/CC or builder NOC, encumbrance certificate, tax receipts
- Own-contribution receipts and existing loan statements (if any)
- For balance transfer: sanction letter, 12 months’ repayment track, list of documents held by current lender
How to apply for Sammaan Capital (formerly Indiabulls Housing Finance) Home Loan
- Check eligibility & compareUse the eligibility calculator and compare APR, not just the headline rate.
- Apply with documentsOnline or at a branch; pay the processing / login fee.
- Appraisal & sanctionLender checks credit score, income and FOIR, then issues a sanction letter and Key Facts Statement with APR.
- Legal & technical checkTitle search, encumbrance, approvals and valuation of the property.
- Agreement & mortgageSign the loan agreement; deposit original title deeds (equitable mortgage) or register a mortgage deed as the state requires.
- DisbursalPaid to the seller/builder — in one go for ready homes or in stages for under-construction projects.
Sammaan Capital vs other lenders
| Lender | Rate | Processing fee | Tenure | EMI on ₹50,00,000 |
|---|---|---|---|---|
| Indian Overseas Bank Home Loan | 7.10% – 8.20% | 0.50% of loan (max ₹25,000) + GST | Up to 30 years | ₹39,066 |
| Canara Bank Home Loan | 7.15% – 10.00% | 0.50% of loan (max ₹10,000) + GST | Up to 30 years | ₹39,216 |
| LIC Housing Finance Home Loan | 7.15% – 9.50% | 0.25% of loan (min ₹5,000, max ₹50,000 per Paisabazaar; BankBazaar shows max ₹15,000) + GST; nil for women borrowers under offer | Up to 30 years | ₹39,216 |
| PNB Home Loan | 7.25% – 9.65% | 0.35% of loan (min ₹2,500, max ₹15,000) + GST; waived in some festive campaigns | Up to 30 years | ₹39,519 |
| SBI Home Loan | 7.25% – 8.55% | 0.35% of loan + GST (min ₹5,000, max ₹15,000 per Paisabazaar; BankBazaar shows ₹3,000 – ₹12,000); nil for Privilege and Shaurya | Up to 30 years | ₹39,519 |
| IDBI Bank Home Loan | 7.40% – 11.90% | 0.50% + taxes (aggregator); product page shows ₹2,500 – ₹5,000 + taxes; waived for balance transfer / PMAY | Up to 30 years | ₹39,974 |
| Kotak Mahindra Bank Home Loan | 7.60% onwards | Up to 2% + GST (nil on some online applications) | Up to 20 years (as listed by source) | ₹40,586 |
| HDFC Bank Home Loan | 7.75% – 13.20% | Up to 0.50% of loan, minimum ₹4,000 (aggregator) + GST | Up to 30 years | ₹41,047 |
| PNB Housing Finance Home Loan | 7.90% – 12.00% | Up to 1% + GST | Up to 30 years (NRI up to 15 years) | ₹41,511 |
| Tata Capital Home Loan | 8.00% – 13.00% | Up to 3% + GST (aggregator offer: ₹999 + GST) | Up to 30 years | ₹41,822 |
| Axis Bank Home Loan | 8.20% – 9.10% | Up to 1% of loan or ₹10,000, whichever is higher, + GST (Asha: 1% – 2% + GST) | Up to 30 years | ₹42,446 |
| Bandhan Bank Home Loan | 8.55% – 13.52% | Up to 1% + GST | Up to 30 years | ₹43,550 |
| Sammaan Capital (formerly Indiabulls Housing Finance) Home Loan | 8.75% onwards | 0.50% onwards + charges | Up to 15 years (per source; confirm with lender) | ₹44,186 |
| YES Bank Home Loan | 9.00% – 11.50% | 1.5% + GST or ₹10,000, whichever is higher (BankBazaar); CreditMantri shows 0.5% or ₹10,000 | Up to 35 years | ₹44,986 |
| Truhome Finance (formerly Shriram Housing Finance) Home Loan | 9.50% onwards | As per MITC (aggregator: up to 1.5% + GST) | Up to 25 years | ₹46,607 |
| Piramal Finance Home Loan | 9.99% onwards | Up to 3% + taxes | Up to 30 years | ₹48,218 |
| Aadhar Housing Finance Home Loan | 11.75% – 17.00% | Typically 0.5% – 1% (aggregator: up to ₹3,500 + GST) | Up to 30 years | ₹54,185 |
Frequently asked questions
What is the Sammaan Capital (formerly Indiabulls Housing Finance) Home Loan home loan interest rate?
Sammaan Capital home loan rates start at 8.75% p.a. (as of Sep 2026). The rate you get depends on your credit score, income and loan details.
What is the EMI for ₹50,00,000 from Sammaan Capital?
At 8.75% for 20 years the EMI is about ₹44,186, with total interest of ₹56,04,529.
What is the processing fee?
Sammaan Capital: 0.50% onwards + charges. GST at 18% applies on fees.
What is the maximum tenure?
Sammaan Capital: Up to 15 years (per source; confirm with lender).
Can I prepay or foreclose the loan?
Sammaan Capital: Nil on floating-rate home loans.
Is Indiabulls Housing Finance the same as Sammaan Capital?
Yes. Indiabulls Housing Finance Ltd changed its name to Sammaan Capital Ltd in 2024. Existing loan accounts, agreements and EMIs continue unchanged; only the name and branding changed.
Information compiled from the lender’s published rates and reputable aggregators for comparison only. FinancePortal is not affiliated with Sammaan Capital (formerly Indiabulls Housing Finance) Home Loan. Terms change — confirm with the lender.