Secured loans
Home Loan
A loan to buy a new or old house, or to build or repair one.
Interest rate
11.00%
per year
- Interest rate
- 11%*
- Maximum loan
- ₹50,00,000
- Maximum period
- 180 months (15 years)
- Security
- House / property mortgage
Members only
Rates can change
A simple, affordable home loan to help you own your home. Borrow up to ₹50 lakh and repay over up to 15 years. The house you buy, or another property, is kept as security.
Who is this for?
- Members buying a new or resale house / flat
- Members building their own house
- Members who want to repair their house
How does it work?
- Become a member and keep regular transactions in your savings / daily deposit account.
- Submit the loan application with the required documents at your branch and meet the branch officer.
- Keep the house you buy, or another property, as security with the society.
- Once the loan is approved, you receive the money. Then pay monthly instalments (EMI) over the agreed period.
What can you use it for?
- Buying a new house
- Buying an old (resale) house
- Building a house
- Repairing a house
Features & benefits
- Loan for buying a new or old house, and for repair or construction.
- Loan limit up to ₹50 lakh.
- Repay over up to 180 months (15 years).
- Interest rate 11%*.
Who can apply
- You must be a member of the society.
- You should have regular transactions in your savings or daily deposit account. This helps the society check your creditworthiness (how reliably you can repay).
- You should be able to repay the loan yourself (regular income).
- The house you buy, or another property, must be mortgaged (kept as security).
Documents you need
Keep this list ready
- Photos of the borrower and the guarantor on the loan application.
- Salary slips of the borrower and the guarantor, and their Income Tax Returns (ITR) for the last 3 years, certified by a CA.
- Identity proof and address proof of the borrower and the guarantor.
- Copies of bank statements / passbooks of the borrower and the guarantor for the last 6 months.
- All required papers of the property given as security.
Rate table
Up to 180 months (15 years)
11.00%
Maximum amount₹50,00,000
* Interest rates can change from time to time. · Rates as published on 15 September 2026
Work it out yourself
Enter the amount, rate and period to instantly see what you will receive or what your instalment will be.
= 15 years
Monthly instalment (EMI)
₹5,683
11.00% · 15 years
- Loan amount
- ₹5,00,000
- Total interest
- ₹5,22,937
- Total repayment
- ₹10,22,937
This is an estimate (interest is worked out monthly on the reducing balance). The actual EMI may differ slightly as per the society's rules. Please confirm at your branch.
Year-by-year repayment
| year | Principal paid | Interest paid | Balance |
|---|---|---|---|
| 1 | ₹13,882 | ₹54,314 | ₹4,86,118 |
| 2 | ₹15,488 | ₹52,708 | ₹4,70,630 |
| 3 | ₹17,281 | ₹50,915 | ₹4,53,349 |
| 4 | ₹19,280 | ₹48,916 | ₹4,34,069 |
| 5 | ₹21,511 | ₹46,685 | ₹4,12,558 |
| 6 | ₹24,001 | ₹44,195 | ₹3,88,557 |
| 7 | ₹26,778 | ₹41,418 | ₹3,61,779 |
| 8 | ₹29,877 | ₹38,319 | ₹3,31,903 |
| 9 | ₹33,334 | ₹34,862 | ₹2,98,569 |
| 10 | ₹37,191 | ₹31,005 | ₹2,61,378 |
| 11 | ₹41,495 | ₹26,701 | ₹2,19,883 |
| 12 | ₹46,297 | ₹21,899 | ₹1,73,586 |
| 13 | ₹51,654 | ₹16,542 | ₹1,21,932 |
| 14 | ₹57,631 | ₹10,564 | ₹64,300 |
| 15 | ₹64,300 | ₹3,895 | ₹0 |
Home Loan
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