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 rate 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. | 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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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.
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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 loan 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.