Finance your dream home with ₹25,00,000 — compare rates from top banks and HFCs, check eligibility, and apply online with transparent pricing.
Loan amount
₹25,00,000
Starting rate
8.50% p.a.
Disbursal
7–15 days
Get ₹25,00,000 Home Loan at 8.50%* p.a.
Compare 30+ lenders instantly
Disbursal in 7–15 days
Zero impact on credit score
Your EMI will be
₹21,696
Total Interest Payable
₹27,06,939
Total Amount Payable
₹52,06,939
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Rates, fees, and disbursal timelines are indicative and may vary by lender, profile, and loan amount. *Terms & conditions apply.
| Feature | Details |
|---|---|
| Loan Amount | 25 Lakh |
| Interest Rate | 8.40% – 11% p.a. |
| Repayment Tenure | Up to 30 years (360 months) |
| Processing Fee | 0.25% – 1% of loan amount |
| Disbursal Time | 7–15 working days |
| CIBIL Score Required | 700+ (750+ for best rates) |
| Collateral Required | Yes (property as security) |
| Minimum Income | Rs 55,000 |
| Prepayment Charges | Nil on floating rate (lender-specific on fixed) |
| Bank/NBFC | Interest Rates (% p.a.) | Processing Fees |
|---|---|---|
| SBI Home Loans | 8.40 onwards* | Up to 0.35% |
| HDFC Bank | 8.50 onwards | Up to 0.50% |
| Bank of Baroda | 8.45 – 10.50 | Up to 0.50% |
| Axis Bank | 8.55 onwards | Up to 1% |
| ICICI Bank | 8.60 onwards | Up to 1% |
| Kotak Mahindra Bank | 8.65 onwards | Up to 1% |
| LIC Housing Finance | 8.50 onwards | Up to 0.50% |
| Bajaj Housing Finance | 8.75 onwards | Up to 1% |
| PNB Housing Finance | 8.80 onwards | Up to 1% |
| IDFC First Bank | 8.85 onwards | Up to 1% |
| IndusInd Bank | 8.90 onwards | Up to 1% |
| Yes Bank | 9.00 onwards | Up to 1% |
| Tata Capital Housing | 9.10 onwards | Up to 1.25% |
| Aditya Birla Housing | 9.25 onwards | Up to 1% |
| Godrej Housing Finance | 9.35 onwards | Up to 1.25% |
| IIFL Home Finance | 9.50 onwards | Up to 1.50% |
| L&T Housing Finance | 9.60 onwards | Up to 1.50% |
*Bikesh Finserv special rates
Note: Rates as of 6th June 2026
An EMI calculator helps you estimate your monthly repayment before you apply. For a Rs. 25 lakh home loan, your EMI depends on the interest rate and tenure you choose — knowing this upfront helps you plan your budget with confidence.
Use our home loan EMI calculator to try different combinations, or refer to the sample tables below for quick reference.
| Loan Amount (Rs.) | Interest Rate (p.a.) | Tenure | EMI (Rs.) | Interest Cost (Rs.) |
|---|---|---|---|---|
| 25 lakh | 8.50% | 20 years | 21,696 | 27,06,939 |
| 25 lakh | 9% | 20 years | 22,493 | 28,98,356 |
| 25 lakh | 10% | 20 years | 24,126 | 32,90,130 |
| Loan Amount (Rs.) | Interest Rate (p.a.) | Tenure | EMI (Rs.) | Interest Cost (Rs.) |
|---|---|---|---|---|
| 25 lakh | 8.50% | 15 years | 24,618 | 19,31,328 |
| 25 lakh | 8.50% | 20 years | 21,696 | 27,06,939 |
| 25 lakh | 8.50% | 25 years | 20,131 | 35,39,203 |
Lenders evaluate your profile against standard eligibility criteria set by home loan lenders. Here are the typical requirements for a Rs. 25 lakh loan:
| Aspect | Salaried | Self-employed |
|---|---|---|
| Credit risk | Lower credit risk (stable salary) | Moderate credit risk (variable income) |
| Availability | Easier approval with salary slips and Form 16 | Requires ITRs, business proof, and bank statements |
| Interest rates | Lower interest rates at same profile | Slightly higher rates unless strong financials |
| Pre-approved offers | Pre-approved home loan offers available | Pre-approved offers less common |
| Lender coverage | Widely offered by all banks and HFCs | Offered with stricter income assessment and documentation |
Below-mentioned are the documents required to apply for a Rs. 25 lakh home loan. Keep digital copies ready for a faster, fully online application.
| Particulars | Charges |
|---|---|
| Loan Processing Fees | 0.25% to 1% of loan amount |
| Legal & Technical Evaluation | As per actuals (typically Rs. 5,000 – Rs. 15,000) |
| Prepayment / Part-prepayment / Foreclosure Charges | Floating Rate: Nil; Fixed Rate: Usually around 2% – 4% on outstanding principal |
| Loan Cancellation | Usually around Rs. 3,000 – Rs. 5,000 |
| Stamp Duty & Registration | As per state norms |
| MODT / Mortgage Charges | As per actuals |
| Penal Charges | Usually @ 2% per month on overdue amount |
| EMI / Cheque Bounce | Around Rs. 500 per bounce |
You can apply for a home loan through Bikesh Finserv in the following steps:
Yes, it is possible to avail a home loan of Rs. 25 lakh with a low CIBIL score. Applicants having a credit score below 700 can also get their home loans approved through Bikesh Finserv. However, these applicants with a lower credit score are usually considered credit risky by lenders and may not get the best rates or highest LTV.
Most top private and public sector banks may offer home loans at higher interest rates for lower credit scores. Since home loans are secured against property, many lenders are more flexible than with unsecured products — though legal verification, property valuation, and income assessment remain strict.
Got questions?
EMI depends on interest rate and tenure. At 8.50% p.a. for 20 years, EMI is around Rs. 21,696. At 9.50% for the same tenure, it is around Rs. 23,303. Use the calculator on this page or our home loan EMI tool to try different combinations.
Most lenders prefer a minimum monthly income of Rs 55,000 for salaried applicants. Self-employed borrowers may need to show stable income through ITRs and bank statements for the last 2–3 years.
Yes, though approval is harder with scores below 700. Banks may offer higher rates or lower LTV. Since home loans are secured against property, lenders may still consider applicants with lower scores if income and property title are strong.
After document verification and property legal/technical evaluation, disbursal typically takes 7–15 working days. Pre-approved customers with complete property papers may receive faster disbursal.
You generally need KYC, income proof (salary slips or ITRs), bank statements, sale agreement or allotment letter, approved building plan, and property title documents.
Floating-rate home loans usually have nil prepayment charges. Fixed-rate loans may charge 2%–4% on the outstanding principal. Always check your lender's schedule of charges before signing.
Yes. Lenders assess business vintage (usually 3+ years), ITRs, bank statements, and credit score. Interest rates may be slightly higher than for salaried borrowers with similar profiles.
Rates typically range from 8.40% to 11% p.a. depending on lender, credit score, income, property type, and LTV. Applicants with 750+ CIBIL scores usually qualify for the best rates.
Compare offers, check eligibility, and get funds for your Rs. 25 lakh home loan.
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