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25 Lakh Home Loan

Apply for Home Loan upto 25 Lakh Online

Last Updated 23rd May 2022

  • You can avail home loans up to ₹ 25 Lakh if you are an Indian resident above 18, whether salaried or self-employed.
  • You can apply for a ₹ 25 Lakh home loan, both offline and online.
  • EMI on a home loan depends on the loan amount, interest rate and tenure. Calculate ₹ 25 Lakh Home Loan EMI using the MyLoanCare home loan calculator.
Interest rates6.50% p.a Check Best Offers
Minimum Income
  • ₹ 25,000 for salaried employees
  • ₹ 40,000 for self-employed
Age18 years to 70 years
Processing FeesNil to upto 0.5%
Apply for Home Loan @ 6.50%* Get upto ₹ 1,000* Voucher

Features and Benefits to Get Home Loan Up To Rs. 25 lakh

A home loan upto ₹ 25 Lakhs offers a host of features and benefits as follow:

  • Affordable Rates: With MyLoanCare, you can get the lowest home loan rates starting at 6.50% from top banks and NBFCs.
  • Long Repayment Tenures : You can avail of a home loan upto ₹ 25 Lakhs for a maximum repayment tenure of 30 years.
  • Personalised Assistance : MyLoanCare also offers customised assistance in every step of taking a home loan, including getting the best offers, negotiating with the lender and collecting documents etc.
  • Multiple Purpose :You can get a home loan of ₹ 25 Lakhs to buy a flat, builder's floor, constructed house or plot, or for home renovation etc.
  • Home Loan Balance Transfer :You can also lower your monthly EMIs by transferring your outstanding home loan balance to another bank at attractive rates and terms and conditions.

Eligibility Criteria for Home Loan of ₹ 25 Lakh

To get a home loan of ₹25 lakhs, you must fulfill banks and NBFCs eligibility criteria. Check eligibility to get home loan without any hurdle:

  • You must be an Indian resident.
  • Salaried, self-employed or businessman can apply for a home loan of .₹25 lakhs.
  • You should be above 18 years and below 70 years.
  • You should be earning a minimum of ₹ 25,000 if salaried and should have a minimum of last three years ITR’s.
  • If you own a business, it must be running for at least five years.
  • Your credit score should be above 650.

Check the Lowest Interest Rates of Top Banks for Home Loan upto 25 Lakh

Bank NameInterest RatesProcessing Fees & Other Charges
6.45% - 6.45%1.00% , Max ₹ 10,000
Yes Bank
6.65% - 12.00%1.00% , Max ₹ 10,000
Standard Chartered Bank
6.99% - 6.99%1.00% , Min ₹ 5,000, Max ₹ 10,000
Kotak Bank
7.00% - 11.70%0.50% , Max ₹ 10,000
7.00% - 14.00%0.50% , Min ₹ 3,000, Max ₹ 10,000
7.10% - 11.35%0.25% , Min ₹ 3,000, Max ₹ 5,000
Karur Vysya Bank
7.15% - 12.50%Min ₹ 5,000
RBL Bank
7.90% - 0.00%1.50%
8.00% - 18.20%0.25%
GIC Housing Finance
10.25% - 0.00%Min ₹ 2,500

Home Loan EMI Calculation to Calculate EMI of Home Loan upto 25 Lakh

The table below shows the calculation for different loan amounts and tenures. For the calculation, we have hypothetically taken the home loan interest as 6.50%. You can see how the EMI will change as per the loan amount and tenure.

Loan AmountEMI for 10 YearsEMI for 15 YearsEMI for 20 Years
₹ 25 Lakh ₹ 29,675 ₹ 23,175 ₹ 20,140
₹ 24 Lakh ₹ 28,488 ₹ 22,248 ₹ 19,334
₹ 23 Lakh ₹ 27,301 ₹ 21,321 ₹ 18,529
₹ 22 Lakh ₹ 26,114 ₹ 20,394 ₹ 17,723
₹ 21 Lakh ₹ 24,927 ₹ 19,467 ₹ 16,917

Documents Required to Get Home Loan Up to ₹ 25 Lakh

Document required for Home Loan up to ₹ 25 Lakhs with MyLoanCare includes Identity Proof, Address Proof, Income Proof and Property documents. You need to submit a copy of PAN and Aadhaar as Identity Proof. In addition, Income Proof will vary depending on if you are salaried or self-employed.

How to Apply for Home Loan Up to 25 Lakh Online at Low-Interest Rates?

To get the best offers from top banks and NBFCs you can apply for a home loan with an online marketplace like MyLoanCare. To get a home loan, you can fill home loan application form here and our representative will assist you with the further process.


Which bank is best for a Home Loan of up to ₹ 25 Lakh?

If you want to avail of a home loan for up to ₹ 25 Lakh you can apply with Bank of Maharashtra and HSBC Bank as they offer the lowest home loan rate of 6.35% and 6.45%. As per customer service, DCB Bank offers the best home loan service with an average customer rating of 5/5.

Can I get a ₹ 25 Lakh home loan without collateral?

Availability of a ₹ 25 Lakh home loan without collateral is not possible because a home loan is a secured loan. Thus, in the case of a home loan, mortgaging a house is mandatory.

What are the factors that affect EMI of ₹ 25 Lakh Home Loan?

Factors like interest rate and tenure will affect the EMI of ₹ 25 Lakh home loan. Higher the interest rate, higher the EMI and vice versa. Whereas, if tenure is higher, EMI will be less, and if tenure is short, EMI will be more.

What is the Interest Rates for ₹ 25 Lakh Home Loan EMI SBI?

The interest rate for a ₹ 25 Lakh home loan in sbi is 6.65% pa for 30 years. So, with this interest rate, the SBI home loan ₹ 25 Lakh emi for 10 years will be ₹ 28,578.

Can I avail income tax benefits on a ₹ 25 Lakh house loan?

Yes, you can avail of income tax benefit on a ₹ 25 Lakh house loan under section 80EE of the Income Tax Act. Under the act, you can claim an additional deduction of up to ₹ 50,000 for the interest payment of the home loan if you have availed a home loan for an amount less than ₹ 35 Lakh and the value of the property is within ₹ 25 Lakh.

What is the maximum tenure of a ₹ 25 Lakh home loan?

Home loan tenure of every bank is different, but generally, you can take a loan for a minimum 1 year and a maximum of 30 years. However, select the home loan tenure carefully because it has a significant impact on your EMI.

How can I use a ₹ 25 Lakhs home loan emi calculator?

Home loan EMI calculators are easy to use. For example, if you are using the MyLoanCare EMI calculator, you need to fill out the loan amount, applicable interest rate, and tenure. Once all these inputs are filled, the EMI, principal amount, interest amount and the total loan amount will be displayed within a few seconds.

What is a ₹ 25 Lakh home loan EMI for 10 years?

The ₹ 25 Lakh home loan EMI for 10 years will not be the same for everyone because of varied interest rates. For example, Mr A’s interest rate is 6.70% with SBI bank; in this case, EMI will be ₹ 28,642. Whereas, Mr B’s EMI will be ₹ 29,285 because he has taken a home loan from another bank at an interest rate of 7.20% pa.

What is SBI home loan emi per lakh for 25 years?

SBI offers home loans at an interest rate of 6.65% to 10.50%. SBI home loan EMI per lakh for 25 years at a minimum interest rate of 6.65% for 30 years will be ₹ 17,115.

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*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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