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Capri Global Housing Finance Limited, a wholly-owned subsidiary of listed NBFC Capri Global Capital Ltd. and registered with NHB, specializes in affordable home loans for underserved urban borrowers in tier-II/III cities and small towns. As of October 2026, Capri Global Housing Finance home loan interest rate starts at 9.50% p.a. for salaried applicants with strong profiles, ranging up to 12.75% p.a. (or higher for informal sector) on loans up to ₹50 lakh with tenures to 25 years. Tailored for self-employed, MSMEs, and informal income earners ineligible at banks, it offers 90% financing for EWS/LIG under PMAY, doorstep document collection, and flat ₹2,000 processing fee—unique for quick access without branch visits.
Capri Global Housing Finance offers competitive home loan interest rates. For salaried applicants with strong profiles, the interest rate starts at 9.50% p.a., ranging up to 12.75% p.a. Rates may be higher for informal sector applicants, depending on their individual profile and risk assessment.
Capri Global HFC specializes in serving a broad range of borrowers, including salaried individuals, self-employed professionals, MSMEs, and informal income earners. We focus on underserved urban borrowers in tier-II/III cities and small towns who may find it challenging to secure loans from traditional banks. Eligibility is assessed based on income stability, credit profile, and the specific loan product.
You can avail a home loan from Capri Global HFC for up to ₹50 lakh with tenures to 25 years. The final loan amount and tenure depend on your repayment capacity, property value, and eligibility criteria. We also offer up to 90% financing for EWS/LIG categories under PMAY.
Generally, you will need identity proof (e.g., Aadhaar, PAN), address proof, income documents (salary slips, bank statements, IT returns), and property-related papers. Capri Global HFC offers doorstep document collection for your convenience. Specific requirements may vary based on your employment type and the loan product chosen.
You can easily calculate your potential EMI using an online EMI calculator available on our website. Simply input the desired loan amount, interest rate, and tenure. This tool helps you understand your monthly repayment obligations and plan your finances effectively.
Yes, Capri Global HFC provides a balance transfer facility for existing home loan borrowers. This allows you to transfer your outstanding home loan from another financial institution to us. It can potentially help you benefit from lower interest rates or more flexible repayment terms.
Capri Global HFC is committed to providing quick access without branch visits for home loans. While processing times can vary based on document submission and verification, our streamlined process aims for efficient approvals. We also offer a flat ₹2,000 processing fee to ensure transparency and speed.
Discover the key advantages of choosing a Capri Global HFC Home Loan. We offer flexible and affordable housing finance solutions tailored to your needs, whether you're a salaried professional or a self-employed individual looking to purchase, construct, or renovate your dream home in India. Our transparent process and competitive interest rates make homeownership accessible and hassle-free.
| Feature | Details & Benefits |
|---|---|
|
Interest Rate |
Capri Global HFC offers highly competitive home loan interest rates. Rates start at 9.50% p.a. and can go up to 12.75%+ based on your credit profile, CIBIL score, loan amount, and tenure. All our Capri Global home loans are offered on a floating interest rate basis, linked to our internal benchmark rate, ensuring transparency and potential benefits from market rate changes. We strive to provide the best possible rate for your housing finance needs in 2026. |
|
Processing Fee |
Enjoy a unique and transparent processing fee structure with Capri Global HFC. We charge a flat ₹2,000 + applicable GST (Goods and Services Tax). This fixed amount is significantly lower than percentage-based fees charged by many other lenders, making your Capri Global home loan more affordable upfront and providing clear cost visibility. |
|
Maximum Loan Amount |
You can avail a Capri Global home loan for an amount up to ₹50 lakh. We offer a high Loan-to-Value (LTV) ratio, providing up to 90% LTV for applicants eligible under the Pradhan Mantri Awas Yojana (PMAY) scheme, and up to 80% LTV for other eligible borrowers (as per RBI guidelines). This helps you finance a larger portion of your property value, reducing your initial down payment burden. |
|
Repayment Tenure |
Capri Global HFC provides flexible repayment options with a maximum home loan tenure of up to 25 years. A longer tenure helps reduce your monthly EMI (Equated Monthly Installment), making your Capri Global home loan more manageable and affordable. You can choose a tenure that best suits your financial planning and income stability. |
|
Applicant Age |
To be eligible for a Capri Global home loan, applicants must be between 21 to 70 years of age. The maximum age of 70 years is considered at the time of loan maturity, ensuring that your repayment period aligns comfortably with your earning years and retirement plans. |
|
Approval & Disbursal Time |
We understand the urgency of your home buying journey. Capri Global HFC aims for efficient processing, with home loan approval and disbursal typically within 7–15 working days. Our streamlined process includes convenient doorstep verification and minimal documentation, ensuring a hassle-free and quick experience for our customers. |
|
Prepayment Charges |
Capri Global HFC offers transparent and borrower-friendly prepayment charges. For individual borrowers with floating rate home loans, there are no prepayment penalties as per RBI guidelines. For other specific loan types or non-individual borrowers, a flat charge of ₹5,000 for loan amounts ≤₹25 lakh and ₹10,000 for loan amounts >₹25 lakh applies. This policy allows you to repay your Capri Global home loan early without significant financial burden, offering greater flexibility. |
|
Eligibility (Salaried) |
Salaried individuals applying for a Capri Global home loan typically require a minimum monthly income of ₹15,000+ and at least 1 year of job stability with their current employer. Key factors considered for home loan eligibility include your CIBIL score, debt-to-income ratio, and employment history. We aim to make homeownership accessible for stable salaried professionals across India. |
|
Eligibility (Self-Employed) |
Capri Global HFC specializes in providing home loans for self-employed individuals, with a strong focus on the informal sector and MSMEs (Micro, Small, and Medium Enterprises). Applicants should have a minimum of 2 years of business vintage. We accept various forms of surrogate income proof (e.g., bank statements, GST returns, ITRs) to assess repayment capacity, making homeownership a reality even for those with non-traditional income documentation. Our flexible home loan eligibility criteria support entrepreneurs and small business owners. |
Capri Global Housing Finance home loan interest rate is profile-linked (reference rate 17.50% as of Sep 2026), lower for salaried (9.50%+) and higher for informal/self-employed due to field-assessed credit via scorecards and surrogate data (e.g., bank flows, utility bills). PMAY EWS/LIG gets subsidies up to 6.50%, dropping effective rate to ~3%. Women/MSME concessions: 0.10–0.25%.
|
Borrower Category |
Interest Rate |
Max Rate |
Key Influencing Factors |
|
Salaried (CIBIL ≥750) |
9.50% |
10.50% |
Stable income, formal docs |
|
Self-Employed/Informal |
10.50% |
12.75%+ |
Surrogate verification, business cash flow |
|
PMAY EWS/LIG |
9.50% (effective ~3%) |
10.00% |
Income <₹3L/year, property ≤₹30L |
|
Top-Up/Balance Transfer |
10.00% |
12.00% |
Existing repayment history |
|
Bank/HFC |
Starting Rate (p.a.) |
Processing Fee |
Max Tenure |
|
Capri Global Housing |
9.50% |
₹2,000 flat |
25 years |
|
State Bank of India |
7.50% |
Up to 0.35% |
30 years |
|
8.15% |
0.5%–1% |
30 years |
|
|
8.75% |
0.5%–1% |
30 years |
For ₹30 lakh over 20 years at 10.50%, EMI ₹26,900—₹3,000+ higher than SBI, but ₹10,000+ saved on fees vs. % fees, plus doorstep ease for informal profiles.
Doorstep Service: Rep visits home for forms/docs—zero travel for busy informal workers.
Informal Income Expertise: Surrogate assessment (no ITR needed always)—ideal for MSMEs/unbanked.
Flat ₹2,000 Fee: Predictable low cost, unlike % fees eating ₹15k+ on ₹50L.
PMAY-Focused: Subsidies + 90% LTV for EWS/LIG in 11 states/66+ branches.
Quick Doorstep Verification: 7-day sanctions via hub-spoke model in tier-II/III.
Top-Up/Flexi: Easy add-ons for repairs without reapplying.
Use official EMI/Eligibility Calculators at caprihomeloans.com/emi-calculator—input amount, rate (9.50–12.75%), tenure + PMAY for subsidy-adjusted EMIs/tax benefits/stamp duty.
Loan Amount: ₹30 lakh
Interest Rate: 10.50% p.a.
Tenure: 20 years
|
Monthly EMI |
Total Interest Payable |
Total Amount Payable |
|
₹26,900 |
₹33.48 lakh |
₹63.48 lakh |
15 years: EMI ₹30,400, saves ₹9 lakh interest; PMAY cuts effective EMI by ₹4,000.
|
Charge Type |
Amount (excl. GST) |
|
Processing Fee |
₹2,000 flat |
|
Application Fee |
Up to ₹5,000 |
|
Legal/Valuation |
₹3,500 / ₹2,000 |
|
CERSAI |
₹50–100 |
|
Prepayment |
₹5,000 / ₹10,000 flat |
GST 18% extra. Total <0.5% of loan—lowest for ₹50L.
Age: 21–70 years
₹15,000+ monthly
1 year job; CIBIL 650+
Age: 23–70 years
2 years business
Surrogate proof (bank statements, bills); no strict ITR
KYC: Aadhaar/PAN/photos
Income: Slips/bank flows (salaried); statements/bills (informal)
Property: Agreement/NOC/encumbrance
Bank: 6 months statements
90% LTV PMAY; field verification key.
Doorstep Application: Rep assists form/docs at home.
Eligibility Check: Speedy sanction post-verification.
Agreement Signing: Execute at home.
Disbursal: Funds to account in days.
|
Service |
Contact Details |
|
Toll-Free Helpline |
1800 102 1021 |
|
|
carehl@caprihomeloans.com |
|
Corporate |
+91-22-40888100 |
|
Hours |
24x7 toll-free |
Login cube.capriglobal.in (customer portal) with ref no./mobile for real-time: Submitted > Sanctioned > Disbursed. Or call 1800 102 1021/email carehl@caprihomeloans.com—updates via SMS too.
₹15,000+ monthly for salaried; informal/self-employed assessed via surrogate (no min ITR). 50% DTI max; PMAY EWS (<₹3L/year) prioritized—co-applicants lift to ₹50L easily.
Limited; focus residents/informal. NRIs check via call—possible with POA, but 75% LTV, rates +0.50%.
Yes, PMAY core: 6.50% subsidy on ₹6–12L loans (property ≤₹45L). EWS/LIG eligible (<₹18L income); apply doorstep—effective rate ~3%, ₹2L+ savings.
Transfer at 10–12% (save 1–2% vs. old); ₹2,000 fee. Submit statements/NOC doorstep; top-up 20% free—ideal informal refinancing.
Final Thoughts: Making Capri Global Housing Finance Home Loan Interest Rate Calculator Processing Fee Requirements Application Process Customer Care Status Your Smart Choice
Tier-II/III prices up 12% 2026 (NHB), Capri excels for informal/MSME with doorstep everything, flat fees, PMAY edge—2,620+ homes financed. Skip banks; call 1800 102 1021/visit caprihomeloans.com.
