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Compare India Shelters vs Dhan Laxmi Bank Home Loan

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Bank
Interest Rate
Interest Rate
12.00% - 20.00%
7.85% - 9.00%
Processing Fees
Processing Fees
Upto 2.00%
Upto 1.00%
Min ₹ 10,000;
Maximum Loan Amount
Maximum Loan Amount
₹ 1 Cr
₹ 2.50 Cr
Maximum Tenure
Maximum Tenure
20 Years
20 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 1,101
₹ 827
Benchmark Rate (Check Rates)
Benchmark Rate (Check Rates)
PLR
RLLR
Minimum Age
Minimum Age
21 Years
21 Years
Maximum Age
Maximum Age
65 Years
65 Years
For Women
For Women
N
N
Overdraft Facility
Overdraft Facility
N
N
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
3/5.0
3/5.0
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Compare Home Loan EMI of India Shelters and Dhan Laxmi Bank

Loan Amount India Shelters Dhan Laxmi Bank
₹ 10 Lakh ₹ 11,011 ₹ 8,271
₹ 25 Lakh ₹ 27,527 ₹ 20,678
₹ 30 Lakh ₹ 33,033 ₹ 24,814
₹ 50 Lakh ₹ 55,054 ₹ 41,356

Which is a better bank for Home Loan – Dhan Laxmi Bank or India Shelters?

Dhan Laxmi Bank offers lower Home Loan EMI at ₹ 827 on a Home Loan for 20 Years as compared to India Shelters with a minimum EMI of ₹ 1,101 for 20 Years. Average customer ratings for Dhan Laxmi Bank is currently at 3/5.0 which makes it a good choice for taking a Home Loan.

How does Dhan Laxmi Bank Home Loan compare with India Shelters Home Loan?

It is important to do a detailed comparison of Dhan Laxmi Bank and India Shelters on all loan terms and conditions to understand their differences and make an informed decision. Keep in mind that each bank’s scheme has its pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

  • Lowest Interest rate of Dhan Laxmi Bank Home Loan is 7.85%, which is lower than the lowest interest rate of India Shelters at 12.00% and hence, Dhan Laxmi Bank is offering a cheaper loan option.
  • When compared on other Home Loan charges such as processing fees, Dhan Laxmi Bank charges a lower processing fees of 1.00% of the loan amount vs India Shelters with a processing fees of 2.00% of loan amount.
  • Dhan Laxmi Bank is a with its Home Loan rates benchmarked to RLLR. India Shelters is a with its home loan rates benchmarked to PLR.
  • Dhan Laxmi Bank with an average customer ratings of 3 is equally comparable to India Shelters with an average customer rating of 3, and hence, the customer can expect the same kind of service levels from these banks.

Which bank offers a lower interest rate on Home Loan – Dhan Laxmi Bank or India Shelters?

As per the current rates, Dhan Laxmi Bank offers a lower interest rate of 7.85% on Home Loan when compared to India Shelters which offers a Home Loan at 12.00%.

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Home Loan News - Sep 2021
  • 2021-09-24 : ICICI Bank Revises Home Loan Interest Rate
    ICICI Bank has cut home loan interest to 6.70%. The lowest rate for salaried is 6.70% and self-employed is 6.80%. If a borrower has a low credit score then they will have to pay 7.40% of the principal amount.
  • 2021-09-24 : LIC Housing Finance Announces New Home Loan Rates
    LIC Housing Finance has slashed the home loan rate to 6.66% for loans up to Rs 2 crore. These rates will be offered to the borrowers who have a credit score above 700 and it is valid till November 30, 2021.
  • 2021-09-21 : HDFC Bank Introduce Festival Bonanza Offer
    HDFC Bank has come up with a festival bonanza offer which is valid till October 31, 2021. The lender has cut home loan interest rate to 6.70%, the special rate is linked to borrowers credit score.
  • 2021-09-20 : PNB Introduces Festival Bonanza Offer
    Punjab National Bank (PNB) has introduced a festival bonanza offer under which they reduced home loan interest to 6.80%. Also, the lender has waived off processing fees and documentation charges on all retail loans like home loans, personal loans, car loans, gold loans, property loans. These charges are valid till December 31, 2021.
  • 2021-09-17 : Bank of Baroda Slashes Home Loan Interest Rate
    Bank of Baroda (BOB) has introduced a festive offer #KhushiyonKaShreeGanesh. The lender has reduced the home loan interest rate to 6.75%. Along with a slashed interest rate the bank has also waived off processing fees.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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