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Loan Interest Rate
Processing Fees
Loan Amount of Property value
Prepayment / Foreclosure Charges
Sammaan Capital Limited, formerly known as Indiabulls Housing Finance, is a leading Non-Banking Financial Company (NBFC) in India, committed to making your dream of owning a home a reality. In 2026, Sammaan Capital offers comprehensive home loan solutions designed to meet diverse financial needs, whether you're planning to purchase a new property, construct your dream home, undertake essential renovations, or benefit from a home loan balance transfer to reduce your EMI burden. With a robust pan-India network, Sammaan Capital home loans provide competitive interest rates, flexible repayment options, and a streamlined application process for both salaried and self-employed individuals.
Sammaan Capital home loans are structured to offer maximum convenience and financial advantage:
Sammaan Capital welcomes applications from a broad spectrum of individuals. Key eligibility factors include:
Sammaan Capital home loan interest rates start at 8.75% p.a. (as of November 2026). These are floating rates, typically linked to an External Benchmark Lending Rate (EBLR) or Repo Linked Lending Rate (RLLR). Your final rate is determined by factors such as your CIBIL score, loan amount, and applicant profile.
Sammaan Capital home loans are available for both salaried individuals and self-employed professionals/business owners. Salaried applicants typically require a minimum monthly income of ₹25,000. Eligibility also considers your credit history, repayment capacity, and other financial parameters.
You can avail a maximum loan amount of ₹5 crore with Sammaan Capital. The repayment tenure is flexible, extending up to 30 years, allowing for comfortable EMI planning. The Loan-to-Value (LTV) ratio can go up to 90% for properties valued at ₹45 lakh or less.
Generally, you will need to provide KYC documents (ID and address proof), income proofs (salary slips, bank statements, ITR), and property-related documents. A detailed list will be provided during the application process, tailored to your applicant profile and loan type.
Your EMI depends on the loan amount, interest rate, and chosen tenure. While a specific calculator isn't detailed here, you can typically use an online EMI calculator to estimate your monthly payments. This helps in planning your finances and understanding your repayment capacity.
Yes, Sammaan Capital provides home loan balance transfer facilities. This allows you to transfer your existing home loan from another lender to Sammaan Capital, potentially benefiting from competitive interest rates and reduced EMI burden.
Sammaan Capital aims for a fast and efficient process. After successful application and verification, you can expect digital disbursal typically within 7-15 days. The exact timeline may vary based on document submission and verification.
| Feature | Details for Sammaan Capital Home Loan |
|---|---|
| Interest Rate | Sammaan Capital offers highly competitive floating interest rates starting from 8.75% p.a., with rates extending up to 11.50% p.a. The final interest rate for your Sammaan Capital home loan is determined by factors such as your credit score, loan amount, and applicant profile. These floating rates are linked to an external benchmark, ensuring transparency and market alignment for your EMI. |
| Processing Fee | A processing fee of up to 0.50% to 3% of the sanctioned loan amount + applicable GST (Goods and Services Tax) is charged. The minimum processing fee for a Sammaan Capital home loan is ₹2,500. This fee covers the administrative costs associated with processing your application and documentation. |
| Maximum Loan Amount | You can avail a Sammaan Capital home loan of up to ₹5 crore, making it suitable for a wide range of property purchases. For loan amounts up to ₹45 lakh, Sammaan Capital offers a high Loan-to-Value (LTV) ratio of up to 90% of the property's market value. For higher loan amounts, LTV ratios will be applied as per prevailing RBI guidelines. |
| Maximum Tenure | Sammaan Capital provides flexible repayment options with a maximum home loan tenure of up to 30 years. A longer tenure helps in reducing your monthly EMI burden, making home ownership more affordable and manageable. |
| Applicant Age | Applicants for a Sammaan Capital home loan must be between 21 years and 70 years of age. The maximum age is considered at the time of loan maturity. |
| Disbursal Time | Sammaan Capital aims for a swift home loan disbursal process, typically completing it within 7 to 15 working days. This timeline is subject to the submission of all required documents, successful verification, and property valuation. |
| Prepayment Charges | For all floating interest rate home loans from Sammaan Capital, there are Nil prepayment penalties. This means you can choose to pay off your home loan early, either partially or fully, without incurring any additional charges, as per RBI guidelines for individual borrowers. |
| Eligibility: Salaried | Salaried individuals applying for a Sammaan Capital home loan are generally required to have a minimum net monthly income of ₹25,000+ and a healthy CIBIL score of 750+. A stable employment history of at least 2-3 years is also a key factor for eligibility. |
| Eligibility: Self-Employed | Self-employed individuals seeking a Sammaan Capital home loan should demonstrate a minimum of 2 years in their current business or profession. An Income Tax Return (ITR) showing an annual income of ₹3 lakh+ is typically required, along with a strong CIBIL score (750+). |
Secure your dream home with a Sammaan Capital Home Loan, offering competitive interest rates and a customer-centric approach. Our home loan solutions are designed to cater to diverse financial needs, with a strong focus on affordable housing and digital convenience.
Sammaan Capital home loan interest rates are floating, linked to our internal benchmark (typically Repo Linked Lending Rate - RLLR), ensuring transparency and responsiveness to market changes. We offer attractive rates starting from 8.75% p.a. for well-qualified applicants, with a daily reducing balance method that helps you save on total interest paid over the loan tenure. Rates can go up to 11.50% p.a. for self-employed individuals, depending on profile and loan amount.
Benefit from the Pradhan Mantri Awas Yojana (PMAY) Credit Linked Subsidy Scheme (CLSS) which can reduce your effective interest rate significantly, making home ownership more accessible.
| Applicant Category | Interest Rate (p.a.) | Estimated EMI (₹30 Lakh, 20 Years) | Ideal For |
|---|---|---|---|
| Salaried Prime (CIBIL 750+) | 8.75% | ₹23,800 | First-time homebuyers, stable income, excellent credit score. |
| Self-Employed | 9.75% | ₹25,600 | Business owners, professionals with consistent income history. |
| PMAY Beneficiaries (Effective) | ~2.25% | ₹14,800 | Economically Weaker Section (EWS), Low Income Group (LIG), Middle Income Group (MIG) applicants. |
While Sammaan Capital's starting rates may differ from some larger banks like SBI (which might offer 7.50% for specific profiles), our strength lies in our strong PMAY and rural/semi-urban focus, tailored solutions for the affordable housing segment, and efficient digital processes. We prioritize financial inclusion and support for diverse borrower profiles.
Sammaan Capital is committed to making home ownership a reality for more Indians. Here’s why a Sammaan Capital Home Loan stands out:
The Sammaan Capital home loan EMI calculator, available at sammaancapital.com, is an essential tool for financial planning. It helps you estimate your Equated Monthly Installment (EMI) based on the loan amount, interest rate, and tenure, allowing you to budget effectively for your home purchase.
For example, a ₹30 lakh home loan at 8.75% p.a. for 20 years results in an EMI of ₹23,800. The calculator also allows you to toggle the PMAY subsidy to see your adjusted, lower EMI.
| Loan Amount | Estimated EMI (20 Years, 8.75% p.a.) | Total Interest Payable (Approx.) |
|---|---|---|
| ₹30 Lakh | ₹23,800 | ₹27.12 Lakh |
| ₹50 Lakh | ₹39,700 | ₹45.28 Lakh |
Using the calculator, you can explore different loan amounts and tenures to find an EMI that comfortably fits your monthly budget. Remember, a longer tenure reduces your EMI but increases the total interest paid.
Sammaan Capital maintains a transparent fee structure for its home loan products. Below are the key charges you should be aware of:
| Charge Type | Amount/Rate | Details |
|---|---|---|
| Processing Fee | 0.50% - 3% of loan amount + GST | Covers administrative costs, typically paid upfront. For PMAY loans, this fee may be reduced to 1%. Example: ₹7,500 + GST on a ₹25 lakh loan (at 0.3% rate). |
| Legal & Technical Valuation Fee | ₹3,000 – ₹5,000 (actuals) | Covers the cost of property title verification and valuation by empanelled lawyers and valuers. |
| Prepayment/Foreclosure Charges | Nil | No charges for part-prepayment or full foreclosure on floating rate home loans for individual borrowers, as per RBI guidelines. |
| Stamp Duty & Registration Charges | As per state government norms | Statutory charges for property registration and mortgage deed, paid directly to the government. |
| CERSAI Charges | ₹50 - ₹100 | Central Registry of Securitisation Asset Reconstruction and Security Interest of India charges. |
Meeting the eligibility criteria is the first step towards securing your Sammaan Capital Home Loan. We assess various factors to ensure a smooth approval process:
A comprehensive set of documents is required to process your Sammaan Capital Home Loan application. Ensure you have these ready for a quick and hassle-free experience:
Applying for a Sammaan Capital Home Loan is a streamlined, step-by-step process designed for your convenience:
For any queries or to track your Sammaan Capital home loan application status, you can use our dedicated customer support channels. Track your application in real-time on our online portal or mobile app using your reference number and a One-Time Password (OTP).
You can also reach out to us via email at customercare@sammaancapital.com for assistance. Our customer service team is committed to providing prompt and helpful support throughout your home loan journey.
The Sammaan Capital home loan interest rate starts at 8.75% p.a. for prime salaried profiles with a CIBIL score of 750+. For a ₹30 lakh loan over 20 years, the EMI is approximately ₹23,800. PMAY beneficiaries can get an effective rate as low as ~2.25% after subsidy.
Our instant eligibility calculator at sammaancapital.com helps you determine your eligible loan amount. For example, an income of ₹40,000 per month could make you eligible for a ₹45 lakh home loan. It considers factors like your Debt-to-Income (DTI) ratio (typically 50%), CIBIL score, and PMAY eligibility.
The Sammaan Capital home loan processing fee ranges from 0.50% to 3% of the loan amount, plus GST. For instance, on a ₹25 lakh loan, it could be around ₹7,500 + GST (at 0.3% rate). For PMAY loans, the processing fee may be reduced to 1%. This fee is typically paid upfront during the application process.
Women applicants receive a 0.05% concession on the interest rate, making their home loan more affordable. They also benefit from priority processing and other supportive measures to encourage female homeownership.
Yes, Sammaan Capital offers a comprehensive home loan balance transfer facility, allowing you to switch your existing home loan from another bank. You can also avail a top-up loan simultaneously at competitive rates starting from 8.75%+.
You can avail a Sammaan Capital home loan for a maximum tenure of up to 30 years, subject to your age at loan maturity and other eligibility criteria. A longer tenure helps reduce your monthly EMI burden.
Sammaan Capital generally receives positive reviews, with an average rating of 4.1/5. Customers often praise our efficient processing, especially for PMAY loans, user-friendly digital tools, and transparent fee structure. While some note that initial rates might be slightly higher than market leaders, the focus on affordable housing and customer service is highly appreciated. Loan statements are also conveniently available for free via the app.
A Sammaan Capital home loan, with its competitive starting interest rate of 8.75% p.a., significant PMAY benefits, and focus on the ₹15-75 lakh affordable housing segment, presents an excellent opportunity for aspiring homeowners in 2
Zero Hidden Charges
Hassle Free and Fast Approval Process
Personalized Loan Assistance
Exciting Cashbacks
