Disclaimer: KSFE is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to KSFE for home loans. No offers/services from KSFE are being provided by Paisabazaar for home loans. For further information about KSFE for home loans, users are required to reach out directly to KSFE.
| KSFE Home Loan Highlights | |
| Interest rates | 9.50% p.a. |
| Loan amount | Up to Rs 1 crore |
| Loan tenure | Up to 30 years |
| Penal interest rate | 18% p.a. on EMI |
Note: Interest rates updated as of 6 November 2024
KSFE Home Loan Interest Rates
KSFE offers home loans at interest rates of 9.50% p.a. Most lenders offer home loan interest rates based on several factors including their loan applicants’ credit scores, monthly income, repayment capacity, occupation profile, etc.
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Compare Interest Rates on Home Loans for Top Banks & 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. | Apply Now |
| HDFC Bank Limited | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| LIC Housing Finance | 8.50% - 10.35% p.a. | 8.50% - 10.55% p.a. | 8.50% - 10.75% p.a. | Apply Now |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| Kotak Mahindra Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| PNB Housing Finance | 8.50% - 14.50% p.a. | 8.50% - 14.50% p.a. | 8.50%-11.45% p.a. | Apply Now |
| Punjab National Bank | 8.45% - 10.25% p.a. | 8.40% - 10.15% p.a. | 8.40% - 10.15% p.a. | Apply Now |
| Bank of Baroda | 8.40% - 10.65% p.a. | 8.40% - 10.65% p.a. | 8.40% - 10.90% p.a. | Apply Now |
| IDFC First Bank | 8.85% p.a. onwards | 8.85% p.a. onwards | 8.85% p.a. onwards | Apply Now |
| L&T Finance Limited | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Apply Now |
| Tata Capital Housing Finance | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| Federal Bank | 8.80% p.a. onwards | 8.80% p.a. onwards | 8.80% p.a. onwards | Apply Now |
| Axis Bank | 8.75%-13.30% p.a. | 8.75%-13.30% p.a. | 8.75%-9.65% p.a. | Apply Now |
| Godrej Housing Finance | 8.55% p.a. onwards | 8.55% p.a. onwards | 8.55% p.a. onwards | Apply Now |
Check Home Loan Interest Rate Offered by Top Lenders Click Here
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Fees and Charges for KSFE Home Loan
| Particulars | Rates |
| Premature closure charges | Nil |
| Lump sum repayment charges | Nil (subject to conditions) |
| Penal interest rate | 18% p.a. on EMI |
KSFE Home Loan Eligibility Criteria
The home loan eligibility criteria set by KSFE for its loan applicants are as follows:
- Maximum age: Up to 70 years
- Resident Indians and NRIs
- Salaried, self-employed professional (like doctor, engineer, chartered accountant, etc.), persons earning rental income or businessman who is an income tax assesse.
Check your Eligibility for Availing Home Loans Click Here
Documents required for KSFE Home Loan
Although KSFE has not provided the list of home loan documents required for availing home loans, lenders offering home loans usually require their loan applicants to submit the below mentioned documents:
- Identity proof (any one): Passport, Driving Licence, PAN Card, Voter’s ID Card, Aadhaar Card, etc.
- Income proof (for salaried): Form 16, last 3 year IT returns, letter of promotion or increment, last 3 month payslips, etc.
- Residence proof (any one): Ration Card, Utility bills (telephone, electricity, water or gas), Bank Passbook, etc.
- Proof of income (for self-employed): IT Returns of last 3 years, Balance Sheet and P&L account statement of the company/firm duly attested by a Chartered Accountant, professional practice licence (for doctors, consultants, etc.), etc.
- Proof of business address
- Property documents: copy of sale agreement, title deeds of plot, detailed estimate of house construction by an architect/civil engineer, copy of the plans approved by local authorities, etc.
- Additional documents for self-employed: Latest form 26 AS, business profile, list of directors and shareholders with details of individual shareholding certified by CA / CS (if the business entity is a company)
- Partnership deed (for partnership firms)
- Memorandum of Association (MOA) and Articles of Association (AOA) of the company
- Other documents: Proof of own contribution, bank statements of last 6 months showing repayment of ongoing loans (if any), details of ongoing loans of individual/business entity, processing fee cheque in favour of the home loan lender
Note: KSFE may ask its loan applicants to submit additional home loan documents, apart from the ones mentioned above, based on their requirements and the loan applicant’s profile.