Home Loan in Ludhiana - SBI, HDFC, PNB, Citi, ICICI Bank, All Banks

Home Loan Interest Rates in Ludhiana, Lowest EMI Per Lakhs

Last Updated 05th Dec 2016
Bank Lowest Interest Rate (%) Tenure in Years Lowest EMI Per Lakhs
SBI 9.10% Floating 30 years Rs. 812
ICICI Bank 9.15% Floating 30 years Rs. 815
Axis Bank 9.10% Floating 30 years Rs. 812
HDFC 9.15% Floating 30 years Rs. 815
IDBI Bank 9.30% Floating 30 years Rs. 826
Citibank 9.30% Floating 25 years Rs. 860
DBS Bank 9.20% Floating 20 years Rs. 913
PNB Housing Finance 9.30% Floating 30 years Rs. 826
Indiabulls 9.15% Floating 30 years Rs. 815
DHFL 9.55% Floating 30 years Rs. 845
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Home Loan Ludhiana

  • Home loan options @ 9.10% - 9.2% from Citi, HDFC, ICICI, SBI, IDBI, PNB, Axis, others
  • Lowest interest rates, processing fees on new home loan and home loan takeover
  • Flexi saver home credit facility available – pay interest on net difference on your loan outstanding and bank balance

Ludhiana Home Loan Eligibility

Salaried Self Employed
Who is Eligible People in permanent service in public or private sector. Self employed Business - men, doctors, engineers, dentists, architects, CA, CS, consultants, lawyers
Loan Amount Determined by income, current debt, age, retirement age, number of co-borrowers, maximum loan to value, etc. Determined by income, current debt, age, retirement age, number of co-borrowers, maximum loan to value, etc.
Borrower Age at Time of Sanction Between 21 and 60 (or age of requirement, if lower) Between 21 and 65
Borrower Age at Time of Maturity Upto 60 (or age of requirement, if lower) Upto 65
CIBIL Score, Credit History Typically, a clean CIBIL record with a score above 700 is desirable Typically, a clean CIBIL record with a score above 700 is desirable
Minimum Income Some banks specify minimum income to be eligible for loans Some banks specify minimum income to be eligible for loans
Employment Track Record Typical requirement of at least 2 years in permanent employment and at least 1 year in current organization, but this varies on a case to case and bank to bank basis. Register your query with MyLoanCare to check this in your case. At least 2 years in the same profession with ITR filed
Balance Transfer Minimum 12-18 months’ track record of regular repayment of existing loan Minimum 12-18 months’ track record of regular repayment of existing loan

Home Loan Branches in Ludhiana

Bank Branch
Allahabad Bank CHAURA BAZAR | CLOCK TOWER | DUGRI ROAD LUDHIANA | FOCAL POINT | GILL ROAD | HAIBOWAL | HAMBRAN | IIFB | JAGRAON | JAMALPUR
Andhra Bank BIJA | FEROZPUR ROAD | JAMALAPUR | JARGARI | KHANNA | KOT GANGURAI | LUDHIANA | MODEL TOWN EXTENSION | RAMPUR | RASULLRA
Axis Bank ADDADAKHA | BARAN HARA | BHAMIAN KALAN | BHAMIPURA KALAN | BHATTA DHUA | BRAHMAN MAJRA | CHANDIGARH ROAD | CHOMON | DANGON | DUGRI ROAD
Bank of Baroda BAHADURKE ROAD | CIVIL LINES PAKHOWAL ROAD | CLOCK TOWER | DHURI | DUGRI ROAD | FEROZPUR ROAD | IND AREA LUD | JAGRAON | KHANNA | MACHHIWARA
Bank of Maharashtra FOCAL POINT RD | KHANNA | LUDHIANA | SBS NAGAR
Canara Bank BHARAT NAGAR CHOWK | COURT ROAD MAIN | DORAHA | G T ROAD KHANNA | JAGRAON | LIBRA TEHSIL KHANNA | LUDHIANA | MACHHIWARA | MAJESTIC AUTO FOCAL POINT | MID CORPORATE
Citibank FEROZ GANDHI MARKET
Corporation Bank DORAHA | FIELD GANJ | GILL ROAD | JAGRAON | KHANNA | LUDHIANA | LUDHIANA SEC 32 | SAHNEWAL | SAMRALA | SUNDER NAGAR
Dena Bank BHARAT CHOWK | CHANDIGARH ROAD ? | IND AREA | MATA RANI CHOWK
Federal Bank FEROZPUR ROAD | G T ROAD | KHANNA | KRISHNA NAGAR | LUDHIANA EXTENSION | SAMRALA | URBAN ESTATE
HDFC Bank BAREWAL AWANA | BAREWAL AWANA | BHATTIAN | BHUNDRI | BIJA | BRS NAGAR | CHAK KALAN | CHAURA BAZAR | DADAHUR | DEHLON
ICICI Bank BALLOWAL | BHAROWAL KALAN | BRS NAGAR | DEHRKA | DHAIPAI | DUGRILUDHIANA | FEROZE GANDHI MARKET CIBD | FIRE STATION | FOCAL POINT | FOUNTAIN CHOWK
IDBI Bank BRS NAGAR | CCU | CIVIL LINES | JAGRAON | KEONJHAR | KHANNA | LUDHIANA | LUDHIANA MAIN | PHULLANWAL | RETAIL ASSETS
Indian Bank BHOURA | DORAHA | DUGRI | JAGRAON | KALSI NAGAR | KHANNA | LUDHIANA | MODEL TOWN | MULLANPUR | SAMRALA
Indian Overseas Bank 17 FAD BADDOWAL CANTONMENT | ARYA COLLEGE | BADDOWAL | BARANHARA | BHADAUR HOUSE | BROWN ROAD | CBO | CHAKOHI | CIVIL LINES | CMC
IndusInd Bank FEROZE GANDHI MARKET | Khanna | MILLERGANJ | SUNDER NAGAR | URBAN ESTATE FOCUL POINT
Karur Vysya Bank MAIN DUGRI ROAD
Kotak Bank MILLER GUNJ
PNB AGGAR NAGAR | BAHADURKE ROAD | BAREWAL AWANA | BASTI JODHEWAL | BAZAR KHARADIAN | BENJAMIN ROAD | BHAI RANDHIR SINGH NAGAR | BIJA | BOPARAI KALAN | BROWN ROAD
SBI ADB MACHHIWARA | ADB TAGORE NAGAR | AGAR NAGAR | BASANT AVENUE | BRAHAMPURI | CAC | CCPC | CHAURA BAZAR | DEHLON | DORAHA
Standard Chartered Bank FEROZE GHANDHI MARKET
Syndicate Bank INDL AREA | KHANNA | LUDHIANA | MILLER GANJ
Union Bank of India AKHARA | B R S NAGAR | BIJA | CIVIL LINES LUDHIANA | DOABA ARYAN SENIOR S | DORAHA | DUGRI ROAD | FOCAL POINT | G T ROAD | GHAWADI
Vijaya Bank B R S NAGAR | KHANNA | LUDHIANA | SME
Yes Bank ASHOK MARG | B R S NAGAR | GT ROAD | SUNDER NAGAR

Home Loan Customer Care in Ludhiana, Email

Bank Customer Care Number
HDFC Bank 981-533-1111, loansupport@hdfcbank.com
Citibank 0161-5012484
Kotak Bank 0161-65006022
ICICI Bank 730-766-7777
SBI 977-916-2211
IndusInd Bank 1860-500-5004/ 022-44066666, reachus@indusind.com
PNB Housing Finance 1800-120-8800, loans@pnbhousing.com
Yes Bank 1800-2000, yestouch@yesbank.in
Indiabulls 0161-5024294, homeloans@indiabulls.com
Allahabad Bank 0161-2440035, customercare@allahabadbank.in
HDFC 0172-3989123
Indian Bank 1800-425-00-000
Standard Chartered Bank 0161-6601444/ 0161-3940444, customer.care@sc.com
Axis Bank 0172-2620489
United Bank of India 1800-345-0345
Andhra Bank 1800-425-2905, customerser@andhrabank.co.in
Union Bank of India 1800-208-2244, customercare@unionbankofindia.com
PNB 011-23318130, rad@pnb.co.in
Central Bank of India 1800-200-1911
Bank of India 1800-103-1906/ 022-40919191, ho.customerservice@bankofindia.co.in
Canara Bank 0181-2243322/ 0181-2243322
Capital First 1860-500-9900, customer.care@capitalfirst.com
Catholic Syrian Bank 1800-266-9090/ 0487-2333020
Bank of Baroda 0172-701617
Federal Bank 1800-425-1199
Dena Bank 1800-225-740
IDBI Bank 1800-200-1947
Jammu And Kashmir Bank 1800-220-600
Karnataka Bank 0824-2228154
Karur Vysya Bank 1860-200-1916
State Bank of Mysore 1800-425-2244
Vijaya Bank 1800-425-4066
Indian Overseas Bank 1800-425-4445, 044-2851-9490, mdd@iobnet.co.in
HSBC Bank
Bank of Maharashtra 1800-102-2636
Dhan Laxmi Bank 1800-425-1747, customercare@dhanbank.co.in
City Union Bank 7299075082, callcenter@cityunionbank.com
DHFL 1800-3000-1919
Punjab and Sind Bank 1800-221-908
South Indian Bank 1800-843-1800
Syndicate Bank 1800-425-0585
State Bank of Patiala 1800-180-2010
Corporation Bank 1800-425-2407, horls@corpbank.co.in
DBS Bank 1800-209-4555
Deutsche Bank 1860-266-6601, customer.care@db.com
Development Credit Bank 1800-209-5363, customercare@dcbbank.com
Lakshmi Vilas Bank 1800-425-2233
OBC 1800-180-1235
Ratnakar Bank 1800-123-8040, customercare@rblbank.com.
State Bank of Travancore 1800-425-7733
UCO Bank 1800-103-0123, customercare.calcutta@ucobank.co.in
Tamilnad Mercantile Bank 1800-425-0426
LIC Housing Finance 1800-440-005, lichousing@lichousing.com
GIC Housing Finance 1800-103-0000
Edelweiss 1800-102-3335, homeedelweissfin.com
Reliance Capital 1800-210-3030
Fullerton India 1800-103-6001
Raas Housing Finance 1800-11-5050, contact@raashfc.com
Tata Capital 1800-209-6060, customercare@tatacapital.com
IIFL 1800-3000-1155
Bajaj Finserv 1800-103-3535
Nainital Bank 05946-2501520
Magma Finance 1800-3002-3202, customercare@magma.co.in
Bandhan Bank 1800-258-8181, loans@bandhanbank.com
Au Financiers 900-111-1333/900-111-1385
Janalakshmi Bank 1800-419-5262
India Shelters 1800-532-4444
Ujjivan 1800-3010-2121
Capital Local Area Bank 1800-120-1600
Muthoot 1800-102-1616
Manappuram
IDFC Bank 1800-419-4332, banker@idfcbank.com
Home Loan News - Dec 2016
05th Dec 16 IDFC Bank reduces its home loan rates by 10 basis points
IDFC Bank has reduced its simple home loan rate by 10 bps to 9.15 percent from 9.25 percent earlier. Revised short and sweet home loan rate has been reduced to 9.30 percent from 9.40 percent earlier. Home loan rate of IDFC Bank depends on six month MCLR rate which currently stands at 9 percent. The rates are effective from 1st December, 2016.
01st Dec 16 Government plans to launch a home loan scheme for first time borrowers in the upcoming Union Budget 2017
Government and RBI are working jointly to launch a new home loan scheme for first time borrowers. Under the proposed scheme, first time borrowers availing home loan of up to Rs 50 lacs might be able to avail home loan at low interest rates in the range of 6 to 7 percent. The scheme is proposed to be announced in the upcoming Union Budget 2017 scheduled on 1st February, 2017.
27th Nov 16 Demonetisation raises hope of cheaper home loans
Even as the secondary market for houses and developer-built small properties has come to a standstill, banks expect stability to be restored in the property market once home loan interest rates get reduced. Demonetisation is expected to bring in more deposits to banks and give them flexibility in reducing interest rates on various loan products.
23rd Nov 16 Cheaper housing loans for National Pension Subscribers
Housing loans may get cheaper for National Pension Scheme (NPS) subscribers. A committee has been formed under the chairmanship of former CEO of HDFC Life to study the matter. Committee will submit its first report within six weeks of the first meeting that was held on 19th November, 2016.The decision will be taken in consideration that pension and housing are the two important retirement assets.
22nd Nov 16 Loan borrowers to get additional 60 days to repay for bad loans up to Rs. 1 crore
Reserve Bank of India relaxed rules for loan borrowers and provided additional 60 days for repayment of their home, car, property and other loans for repayment due between 1st November and 31st December, 2016. The relaxation will be applicable on term loans such as business loan, personal loan and other secured loans with loan amount up to Rs. 1 crore.
*My Finance Care Advisors Pvt. Ltd., or https://www.myloancare.in is a bank neutral multi bank platform that helps borrowers and bank customers compare loans and deposits of all banks in India at one place. Information carried at this website is based on perusal of public sources and should not be construed as an offer or solicitation or invitation to borrow or lend. The Company does not assure as to the correctness of information carried at the website. Lenders/ banks/ other parties may contact us at info@myloancare.in to provide corrections or updates. We may act as and/ or be associated with channel partners of banks and other sellers of financial products.