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CSB Bank Ltd., formerly known as the Catholic Syrian Bank, is a private sector bank headquartered in Thrissur, Kerala, with over 1,300 branches across 24 states and 4 union territories, offering home loans for property purchase, construction, renovation, extension, and plot purchase under schemes like CSB Housing Loan and CSB Nivas Loan. As of November 2025, CSB Bank home loan interest rate starts at 9.69% p.a. for eligible salaried borrowers with CIBIL 700+ and stable income, up to 9.94% p.a. for self-employed or higher amounts, with tenures up to 20 years. It supports PMAY-CLSS subsidies up to 6.50% for EWS/LIG/MIG (income <Rs.18 lakh/year), a processing fee of up to 1% + GST (min Rs.3,000 non-refundable), and approvals in 7-15 days for complete documentation with doorstep service available.
|
Feature |
Details |
|
Interest Rate |
Starts at 9.69% p.a. (up to 9.94% p.a. based on CIBIL and profile) |
|
Processing Fee |
Up to 1% + GST (min Rs.3,000 non-refundable) |
|
Loan Amount |
Up to Rs.75 lakh+ (75% of property value) |
|
Repayment Tenure |
Up to 20 years |
|
Applicant Age |
21-65 years (at maturity) |
|
Approval & Disbursal Time |
7–15 working days (faster for complete docs) |
|
Prepayment Charges |
Nil for floating rate loans (individuals) |
|
Eligibility (Salaried) |
Rs.15,000+ monthly; 1 year job; CIBIL 700+ |
|
Eligibility (Self-Employed) |
2 years business; Rs.3 lakh+ annual ITR; CIBIL 700+ |
CSB Bank home loan interest rate is floating, linked to the bank's Repo Linked Lending Rate (RLLR) of 8.40% as of November 2025, with spreads based on CIBIL, income, and loan purpose—starting at 9.69% p.a. for salaried with CIBIL 700+ on loans up to Rs.75 lakh, up to 9.94% p.a. for self-employed or higher amounts. PMAY-CLSS subsidy (6.50% on Rs.6 lakh for EWS/LIG) reduces effective rate to ~3.19%; women get 0.05% concession. Daily reducing balance applies; CSB Nivas Loan for plot + construction at same rates.
|
Borrower Category |
Interest Rate |
Max Rate |
Key Influencing Factors |
|
Salaried (CIBIL ≥700) |
9.69% |
9.84% |
Stable job, ≤Rs.75 lakh loan, PMAY eligibility |
|
Self-Employed Professionals |
9.79% |
9.94% |
ITR consistency, 2+ years business |
|
Balance Transfer/Top-Up |
9.74% |
9.89% |
Existing repayment history, add-on ≤20% |
|
PMAY EWS/LIG/MIG |
9.69% (effective ~3.19%) |
9.79% |
Income <Rs.18 lakh, property ≤Rs.45 lakh |
|
Bank |
Starting Rate (p.a.) |
Processing Fee |
Max Tenure |
|
CSB Bank |
9.69% |
Up to 1% |
20 years |
|
State Bank of India (SBI) |
7.50% |
Up to 0.35% |
30 years |
|
HDFC Bank |
8.15% |
0.5%–1% |
30 years |
|
ICICI Bank |
8.75% |
0.5%–1% |
30 years |
For a Rs.30 lakh loan over 20 years at 9.69%, EMI is Rs.25,200—Rs.4,000 higher monthly than SBI's 7.50%, but PMAY subsidy saves Rs.2 lakh+ for LIG, and NRI eligibility with embassy-attested slips aids expatriates.
CSB Bank home loan calculator at csb.co.in/emi-calculator computes EMI, eligibility, and PMAY subsidies—input amount, rate (9.69%-9.94%), tenure for amortization and tax benefits (Rs.1.5 lakh u/s 80C + Rs.2 lakh u/s 24b).
Loan Amount: Rs.30 lakh
Interest Rate: 9.69% p.a.
Tenure: 20 years
|
Monthly EMI |
Total Interest Payable |
Total Amount Payable |
|
Rs.25,200 |
Rs.30.48 lakh |
Rs.60.48 lakh |
Reduce to 15 years: EMI Rs.28,000, saves Rs.8 lakh interest; PMAY adds Rs.2 lakh subsidy for MIG.
|
Charge Type |
Amount |
|
Processing Fee |
Up to 1% + GST (min Rs.3,000 non-refundable) |
|
Legal & Valuation Fee |
Rs.3,000–Rs.5,000 (actuals) |
|
CERSAI Registration |
Rs.500 |
|
Stamp Duty (MODT) |
0.1%–0.3% (state-specific) |
|
Prepayment (Floating Rate) |
Nil |
GST at 18%. Total <1.5%; PMAY waives 50% processing; no commitment fees.
● Age: 21-65 years (up to 70 for PMAY)
● Rs.15,000+ monthly net income
● 1 year in current job (2 years total)
● CIBIL: 700+ (750+ for lowest rates)
● Age: 21-65 years
● 2 years business
● Rs.3 lakh+ annual ITR
● CIBIL: 700+; audited P&L required
75% LTV max; co-applicants (spouse/family) boost eligibility; NRIs eligible with embassy-attested slips.
|
Service |
Contact Details |
|
Helpline (9AM-6PM) |
0487-2333020 / 0487-2333100 |
|
Email for Queries |
customercare@csb.co.in |
|
Grievance Redressal |
pno@csb.co.in |
|
Branch Hours |
10 AM–4 PM (Mon-Fri) |
Visit csb.co.in/track-application with application no./mobile OTP—view stages: Submitted, Verified, Sanctioned, Disbursed. Email customercare@csb.co.in for updates (48-hour response); visit branch with ID.
Salaried applicants need a minimum Rs.15,000 monthly net income, while self-employed require Rs.3 lakh+ annual ITR with 2 years business stability. The bank assesses based on 50% debt-to-income ratio for EMI affordability up to Rs.75 lakh+; PMAY-eligible EWS/LIG (<Rs.18 lakh/year) get priority, with co-applicants (spouse/family) increasing limits by 20-30%.
Yes, NRIs qualify with regular employment or established business, valid visa, and embassy-attested salary slips with international bank account, at rates from 9.69% p.a. with 75% LTV. Submit attested proofs; contact customer care for NRI desks, with disbursal in 10-15 days.
Yes, PMAY-CLSS offers 6.50% interest subsidy up to Rs.2.67 lakh on loans ≤Rs.12 lakh for EWS/LIG/MIG (income <Rs.18 lakh/year, property ≤Rs.45 lakh). Eligibility requires Aadhaar-seeding; the bank handles processing, reducing effective rate to ~3.19% and saving Rs.1-2 lakh annually on EMIs.
Balance transfer at 9.74%-9.89% (0.05%-0.10% lower than originators) requires 12-month statements and NOC, with up to 1% processing fee. It includes top-up up to 20% original for renovations; processing takes 7-10 days, saving Rs.2,500+ monthly on Rs.30 lakh loans.
With home prices up 9% in 2025 (NHB data), CSB Bank home loan interest rate calculator processing fee requirements application process customer care status offers 9.69% rates, PMAY subsidies, and 7-15 day approvals—financing diverse needs across 1,300+ branches. Ideal for Rs.30 lakh-Rs.75 lakh+ aspirations. Apply at csb.co.in or email customercare@csb.co.in.
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