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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 2025, 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.
Feature |
Details |
|
Interest Rate |
Starts at 9.50% p.a. (up to 12.75%+ based on profile) |
|
Processing Fee |
Flat ₹2,000 + GST (unique low fixed amount) |
|
Loan Amount |
Up to ₹50 lakh (90% LTV for PMAY-eligible) |
|
Repayment Tenure |
Up to 25 years |
|
Applicant Age |
21 to 70 years (at maturity) |
|
Approval & Disbursal Time |
7–15 working days (doorstep verification) |
|
Prepayment Charges |
₹5,000 (≤₹25L) / ₹10,000 (>₹25L)—flat, not % based |
|
Eligibility (Salaried) |
₹15,000+ monthly; 1 year job stability |
|
Eligibility (Self-Employed) |
Informal/MSME focus; 2 years business; surrogate income proof |
Capri Global Housing Finance home loan interest rate is profile-linked (reference rate 17.50% as of Sep 2025), 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 |
|
HDFC Bank |
8.15% |
0.5%–1% |
30 years |
|
ICICI Bank |
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% 2025 (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.
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