Please Note: CSB Bank is not a Paisabazaar partner. Offers would be from partner banks/HFCs only.
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CSB Bank Home Loan Highlights |
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| Interest Rates | 10.49% – 12.34% p.a. |
| Tenure | Up to 20 years |
| Loan Amount | Up to Rs 5 crores |
| Maximum Funding | Up to 100% of agreement value or purchase cost |
| Processing Fee | 0.50% of the loan amount |
Note: Interest rates as of 3 December 2024
Table of Contents
CSB Bank Home Loan Interest Rates
The CSB Bank Home Loan interest rates range between 10.49% to 12.34% p.a. Although the lender has not disclosed the differential home loan interest rates for its schemes, based on its loan applicant’s monthly income, credit score, EMI/NMI ratio, employer’s profile, etc., most lenders consider these factors for setting the interest rates for their home loan applicants.
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Compare Home Loan Interest Rates for Top Banks and HFCs
| Name of Lender | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh | |
| SBI | 8.50%-9.85% p.a. | 8.50%-9.85% p.a. | 8.50%-9.85% p.a. | Check Eligibility |
| HDFC Bank Limited | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| LIC Housing Finance | 8.50% - 11.25% p.a. | 8.50% - 10.55% p.a. | 8.50% - 10.75% p.a. | Check Eligibility |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| Kotak Mahindra Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| PNB Housing Finance | 8.50% - 14.50% p.a. | 8.50% - 14.50% p.a. | 8.50%-11.45% p.a. | Check Eligibility |
| Punjab National Bank | 8.45% - 10.25% p.a. | 8.40% - 10.15% p.a. | 8.40% - 10.15% p.a. | Check Eligibility |
| Bank of Baroda | 8.40% - 10.65% p.a. | 8.40% - 10.65% p.a. | 8.40% - 10.90% p.a. | Check Eligibility |
| IDFC First Bank | 8.85% p.a. onwards | 8.85% p.a. onwards | 8.85% p.a. onwards | Check Eligibility |
| L&T Finance Limited | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Check Eligibility |
| Tata Capital Housing Finance | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| Federal Bank | 8.80% p.a. onwards | 8.80% p.a. onwards | 8.80% p.a. onwards | Check Eligibility |
| Axis Bank | 8.75%-13.30% p.a. | 8.75%-13.30% p.a. | 8.75%-9.65% p.a. | Check Eligibility |
| Godrej Housing Finance | 8.55% p.a. onwards | 8.55% p.a. onwards | 8.55% p.a. onwards | Check Eligibility |
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CSB Bank Home Loan Fees and Charges
The processing fees and other charges for loan applicants availing CSB Home Loan are as follows:
| Particulars | Rates |
| Prepayment Penalty | Nil |
| Processing Fee | 0.50% of the loan amount |
| Documentation Charges | Rs 500 |
Eligibility Criteria for Availing CSB Bank Home Loan
The home loan eligibility criteria for loan applicants availing housing loans from CSB Bank are as follows:
- Resident Indians (individuals or groups) as well as NRIs on regular employment or having an established business with a regular flow of income
- Age Criteria
- Minimum: 21 years
- Maximum: 65 years at the time of loan maturity
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Documentation Required for CSB Home Loan
The home loan documents required for availing for CSB Bank Home Loan are as follows:
- Home Loan Application Form
- Identity Proof (any one):
- Adhaar Card
- Passport
- Job Card by NREGA
- Driving License
- Voter ID
- Letter issued by National Population Register containing name & address of holder
- Residence Proof Documents (any one):
- Passport
- Voter ID
- Driving License
- Adhaar Card
- Job Card by NREGA
- Letter issued by National Population Register containing name & address of holder
- Income Proof Documents for Salaried Applicants:
- Salary Slip or Certificate of 3 months
- Latest ITR / Form 16
- Bank Statement of 1 year
- Income Proof Documents for Self Employed Applicants:
- 3 Year ITR with Financials
- Bank Statement of 1 year
- Business Continuity Proof of 3 Years
- Income Proof Documents for Non-Resident Indians (Self Employed):
- 1 Year NRE or NRO Account Statement
- Oversea Credit Report
- Valid Work Permit
- Valid VISA Copy
- Salary Slip or Certificate
- 1 Year Salary Account Statement
- Passport
- POA
Documentation Required for CSB Home Loan Balance Transfer
Stated below are the documents required for availing home loan balance transfer option:
- Statement of Account of 1 year
- Existing Loan Account Statement of up to 1 year
- List of Documents from BT bank
- Foreclosure Letter
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CSB Bank Home Loan EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395