Home Loan in Gurgaon

Get the lowest Home Loan rates in Gurgaon for ₹ 1 crore from Top Banks like Central bank of India, Union bank of India, State Bank of India, Punjab National Bank and more. Up to 90% of property value.

7.25% p.a.Lowest rate available

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Home loan rates for Gurgaon buyers start at 7.40% p.a. (Bank of Baroda, Canara Bank, Union Bank of India), per the banks' official rate cards in October 2026. SBI starts at 7.50%, HDFC Bank and Axis Bank at 8.00%. The RBI repo rate is 5.50% after the 25 bps hike on 7 October 2026, and banks have passed it through to new floating-rate loans. Ambak has 2 offices in Sector 44 and Sector 113 (Dwarka Expressway).

Ambak offices in Gurgaon

Office	Address	Hours
Ambak Home Loan Gurgaon	4th Floor, Rider House, Plot 136, Sector 44, Gurugram, Haryana 122003	Mon–Sat, 9:30 am – 8:00 pm
Ambak, Dwarka Expressway	4th Floor, SCO-47, M3M 113 Market, Urbanzone Space, Dwarka Expressway, Sector 113, Gurugram, Haryana 122017	—

Phone: +91 80580 58009 · Email: support@ambak.com

Home loan interest rates in Gurgaon

Banks price home loans nationally, so these rates apply in Gurgaon as elsewhere. The rate you are offered depends on CIBIL score, income type (salaried or self-employed) and loan amount.

Lender	Interest rate (p.a.)	EMI per ₹1 lakh, 20 years, at starting rate	Effective
Bank of Baroda	7.40% – 9.15%	₹799	8 Oct 2026
Canara Bank	7.40% – 10.25%	₹799	9 Oct 2026
Union Bank of India	7.40% – 9.60%	₹799	8 Oct 2026
Central Bank of India	7.45% – 9.00%	₹803	8 Oct 2026
Punjab National Bank	7.45% – 9.35%	₹803	8 Oct 2026 (festive rate till 31 Dec 2026)
State Bank of India	from 7.50%	₹806	15 Oct 2026
Kotak Mahindra Bank	from 7.60%	₹812	—
Axis Bank	8.00% – 9.10%	₹836	—
HDFC Bank	8.00% – 13.45%	₹836	—
ICICI Bank	8.75% – 9.90%	₹884	8 Oct 2026, valid till 31 Oct 2026

Source: each bank's official rate page, checked 26 Oct 2026. Most banks revised rates after the 7 October repo hike.

EMI for common loan amounts

Loan amount	20 years at 7.40%	30 years at 7.40%	20 years at 8.50%
₹50 lakh	₹39,974	₹34,619	₹43,391
₹75 lakh	₹59,962	₹51,928	₹65,087
₹1 crore	₹79,949	₹69,238	₹86,782
₹1.5 crore	₹1,19,923	₹1,03,857	₹1,30,173
₹2 crore	₹1,59,898	₹1,38,476	₹1,73,565

7.40% is the lowest official starting rate among large banks; 8.50% shows a typical rate for a lower CIBIL score or self-employed income.

Stamp duty and registration charges in Gurgaon

Buyer	Inside municipal limits	Outside municipal limits
Stamp duty, man	7%	5%
Stamp duty, woman	5%	3%
Stamp duty, joint (man + woman)	6%	4%

Charged on the higher of the sale price and the collector (circle) rate. The registration fee is slab-based by property value; confirm the current slab on the Haryana revenue department's jamabandi.nic.in portal before registration. Lenders do not fund stamp duty or registration; pay these from your own funds.

PMAY-U 2.0 interest subsidy

Condition	Limit
Household income	Up to ₹9 lakh a year (EWS up to ₹3 lakh, LIG ₹3–6 lakh, MIG ₹6–9 lakh)
Property value	Up to ₹35 lakh
Loan amount	Up to ₹25 lakh
Subsidy	4% on the first ₹8 lakh of the loan, for up to 12 years
Maximum subsidy	₹1.80 lakh, paid in 5 yearly instalments to the loan account

Source: PMAY-U 2.0 Interest Subsidy Scheme, Government of India. First-time buyers only; the household must not own a pucca house anywhere in India.

Home loan branches in Gurgaon

Lender	Branch	Address
State Bank of India	SBI RACPC Gurgaon	Ground Floor, SBI CRM Campus-II, Plot No 79, Ashok Puri, Sector 6, Gurugram, Haryana 122001
State Bank of India	SBI RACPC Gurgaon (Sector 113)	SCO-83, M3M 113 Market, Sector 113, Bajghera, Gurugram, Haryana 122017
State Bank of India	SBI RACPC II Gurugram	Rama Complex, Sohna Road, Badshahpur, Sector 70, Gurugram, Haryana 122101
HDFC Bank	HDFC Bank Home Loan Branch - Gurugram (Sector 14)	SCO 36, Old Delhi Gurgaon Rd, Sector 14, Gurugram, Haryana 122007
ICICI Bank	ICICI Bank Branch - Gurgaon - Sector 14	Market Complex, HUDA Shopping Centre, SCO 18 & 19, Sector 14, Gurugram, Haryana 122001
Axis Bank	Axis Bank - Sector 15, Gurgaon	SCO-50 -51, Old Judicial Complex Civil Lines Rd, Civil Lines, Gurugram, Haryana 122001
Bank of Baroda	Bank of Baroda Gurgaon Main Branch	Old Judicial Complex, 42, Jharsa Rd, Sector 15 Part 1, Patel Nagar, Gurugram, Haryana 122001
Kotak	Kotak Mahindra Bank	Sco61, Sector 15, Gurugram, Haryana 122001
LIC HFL	LIC HOUSING FINANCE	Second Floor, The Plaza Mall, No 15, Mg Road, near IFFCO Chowk, Model Town, Sector 11, Gurugram, Haryana 122001
PNB	PNB Housing Finance Limited	1st & 2nd Floor, Huda Market, Sector-31, near Jharsa, Chowk, Gurugram, Haryana 122001
Bajaj Housing	Bajaj Housing Finance Limited - Home Loan, Loan Against Property	2nd floor, M-31, South City, Block C, Old DLF Colony, Sector 14, Gurugram, Haryana 122007

Addresses from the lenders' Google Business listings, checked 26 Oct 2026.

RERA-registered projects in Gurgaon on Ambak

Project	Location	RERA number	Price range	RERA completion date
4S Developers the Aurrum	Sector 59 & 63A	RERA-GRG-1572-2024	₹1.80 – 3.00 crore	2029-10-31
V 83 Metro Street	Sector 83	RERA-GRG-341-2019	—	2024-10-30
Ambience Creacions	Sector-22	RERA-GRG-402-2019	₹1.50 – 4.00 crore	2023-09-29
Anant Raj Estate	Sector-63A	RERA-GRG-4-2018	₹1.20 – 3.00 crore	2025-03-31
Sarvpriya Andour Heights	Village Fazilpur Jharsa	RERA-GRG-396-2019	₹85 – 120 lakh	2020-03-30
Vatika Aspiration	Sector 88B	RERA-GRG-1170-2022	—	2025-06-29
Bestech Park View Altura	Naurangpur	RERA-GRG-594-2020	₹1.85 – 2.50 crore	2024-03-31
Ashiana Amarah	Sector 93	RERA-GRG-702-2023	—	2027-03-31
Signature Global Park 4&5	Sector 36	RERA-GRG-625-2021	₹76 – 87 lakh	2024-03-31

Source: HRERA Gurugram registration data held by Ambak. All Gurgaon projects.

Bank Offers

Loan Amount

Central bank of India
Loan Amount₹1 Cr
Interest Rate7.25% - 8.7%
Max Loan AmountUp to 90% of property value
Processing Fees0.5% + GST
Login FeeWaived
Account Handling Chargesno account handling charges
Legal & Technical FeeRs. 12,000
Due Diligence ChargesNo due diligence charges
Benefits
Affordable home loan interest rates for salaried and self-employed
Reliable PSU bank with wide branch network
Simple documentation and transparent process
Product types offered
Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan
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Union bank of India
Loan Amount₹1 Cr
Interest Rate7.25% - 10%
Max Loan AmountUp to 90% of property value
Processing FeesRs. 17,700 + GST
Login FeeWaived
Account Handling Chargesno account handling charges
Legal & Technical FeeRs. 12,000
Due Diligence ChargesNo due diligence charges
CERSAI ChargesRs. 118
Benefits
Competitive interest rates on home loans
Extensive branch network across India
Flexible repayment and balance transfer facility
Product types offered
Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan
State Bank of India
Loan Amount₹1 Cr
Interest Rate7.25% - 9.5%
Max Loan AmountUp to 90% of property value
Processing FeesRs.15,000 + GST
Login FeeWaived
Legal & Technical FeeRs.6,321 (for loan amount less than 1 Cr) and Rs.14,190 ( for loan amount greater than 1 Cr)
E-Stamp ChargesOn Actuals
Due Diligence ChargesNo Due Diligence Charges
CERSAI ChargesRs.118
Benefits
Flexible EMI and co-applicant options
Loan quantum based on EMI/NMI ratio
Online application and eligibility check
Processing fee capped with GST applicability
Tax benefits under Section 80C and interest deduction
Wide branch network including specialized Home Loan Centres
Processing Time
Typically 7 to 15 working days for loan processing and approval depending on documentation and verification
Product types offered
Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Personal Loan Against Property
Privilege Home Loan for Govt Employees
Regular Home Loan
SBI Realty (Plot Purchase Loan)
Top-up Loan
Branch Locations
SBI Sector 14 Gurgaon Branch
SBI Sector 29 Gurgaon Branch
SBI Sector 56 Gurgaon Branch
SBI MG Road Gurgaon Branch
Punjab National Bank
Loan Amount₹1 Cr
Interest Rate7.25% - 8.8%
Max Loan AmountUp to 90% of property value
Processing FeesWaived
Login Feeno login fee
Legal & Technical FeeRs. 15,000
E-Stamp ChargesRs. 1,000 - 1,200 + GST
Due Diligence ChargesNo due diligence charges
CERSAI ChargesRs. 118
MODT Charges0.30% + GST
NOI ChargesRs. 15,000 + GST
Benefits
For some cases
prepayment on floating rate is nil (for property in individual name & non-business purpose).
Low processing fees of 0.75%
LTV upto ~ 70% of property value (depending on property type / profile).
Tenure upto 20 years in many cases.
Processing Time
Typically a week, subject to profile
Product types offered
Balance transfer
Home Construction Loan
Home Extension Loan
Loan Against Property
NRI Home Loan
Regular Home Loan
Top-up Loan
Branch Locations
PNB - Sector 10A branch
PNB - Sector 14 branch
PNB - MG road branch
PNB - Sector 29 branch
HDFC Bank
Loan Amount₹1 Cr
Interest Rate7.25% - 9.5%
Max Loan AmountUp to 90% of property value
Login Fee3,894 - 10,838 + GST
Account Handling ChargesNo Account Handling Charges
Legal & Technical FeeRs.3,500 - 4,000 + GST (Waived-off for APF Approved Properties)
Due Diligence ChargesNo Due Diligence Charges
Benefits
Assistance at every step for timely fund disbursal
Attractive interest rates starting from 7.20% p.a
Paperless and digital loan process
Simple online application with minimal documentation
Special housing loan rates for salaried and self-employed
Trufixed loans with fixed interest for initial period
Processing Time
Quick approval with a typical processing time of a few days facilitated by digital and minimal documentation process
Product types offered
Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
Top-up Loan
Branch Locations
HDFC Bank Sector 14 Gurgaon Branch
HDFC Bank Sector 29 Gurgaon Branch
HDFC Bank MG Road Gurgaon Branch
HDFC Bank Sohna Road Gurgaon Branch