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Suryoday Small Finance Bank Home Loan

Home Suryoday Bank Suryoday Small Finance Bank Home Loan

Suryoday Small Finance Bank offers home loans at interest rates starting from 10% p.a. for loan amounts of up to Rs 1 crore and repayment tenures of up to 20 years. Loan applicants can avail Suryoday Bank Home Loans for buying residential property, buying a plot for constructing homes and for self-construction. The lender provides facilities like home loan balance transfer for existing borrowers of other lenders looking to transfer their housing loan to Suryoday Small Finance Bank at lower interest rates. Existing Suryoday Home Loan customers can also opt for home loan top-up and avail additional finance on their ongoing home loans for personal/business related purposes.

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Updated: 31-12-2024 09:17:57 AM

Suryoday Small Finance Bank Home Loan Highlights – 2025
Interest Rate 10% to 13% p.a.
Loan Amount From Rs. 5 lakh to Rs. 1 crore
Loan Tenure Up to 20 years
Processing Fees 1% – 2% of the loan amount plus GST

Note: Interest rates as on 23 Dec 2024

Suryoday Small Finance Bank Home Loan Interest Rates

Suryoday Small Finance Bank Home Loan interest rates range between 10% and 13% p.a. While Suryoday Bank has not disclosed offering differential interest rates for its home loan applicants based on their credit scores, income, occupation profile, EMI/NMI ratio, etc., most lenders decide their home loan interest rates based on the above mentioned criteria.

Compare Interest Rates on Housing Loans for Top Banks and /HFCs

Name of LenderUp to Rs. 30 LakhAbove Rs. 30 Lakh to Rs. 75 LakhAbove Rs. 75 Lakh
Bajaj Housing Finance8.50% p.a. onwards8.50% p.a. onwards8.50% p.a. onwardsCheck Eligibility
SBI8.50%-9.85% p.a. 8.50%-9.85% p.a. 8.50%-9.85% p.a. Check Eligibility
HDFC Bank Limited8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwardsCheck Eligibility
LIC Housing Finance8.50% - 11.25% p.a. 8.50% - 10.55% p.a. 8.50% - 10.75% p.a. Check Eligibility
ICICI Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Check Eligibility
Kotak Mahindra Bank8.75% p.a. onwards 8.75% p.a. onwards8.75% p.a. onwardsCheck Eligibility
PNB Housing Finance8.50% - 14.50% p.a.8.50% - 14.50% p.a.8.50%-11.45% p.a.Check Eligibility
Punjab National Bank8.45% - 10.25% p.a.8.40% - 10.15% p.a.8.40% - 10.15% p.a.Check Eligibility
Bank of Baroda8.40% - 10.65% p.a.8.40% - 10.65% p.a.8.40% - 10.90% p.a.
Check Eligibility
IDFC First Bank8.85% p.a. onwards8.85% p.a. onwards8.85% p.a. onwardsCheck Eligibility
L&T Finance Limited8.65% p.a. onwards8.65% p.a. onwards8.65% p.a. onwardsCheck Eligibility
Tata Capital Housing Finance8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwardsCheck Eligibility
Federal Bank8.80% p.a. onwards8.80% p.a. onwards8.80% p.a. onwardsCheck Eligibility
Axis Bank8.75%-13.30% p.a.8.75%-13.30% p.a.8.75%-9.65% p.a.Check Eligibility
Godrej Housing Finance8.55% p.a. onwards8.55% p.a. onwards8.55% p.a. onwardsCheck Eligibility

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Fees and Charges for Suryoday Small Finance Bank Home Loan

Suryoday Home Loan Processing fees

Particulars Rates
Processing fees 1% – 2% of the loan amount plus GST

Suryoday Small Finance Bank Home Loan Prepayment / Foreclosure charges

Particulars Rates
Prepayment / Foreclosure charges For individuals

  • Home loans availed at floating interest rates: Nil
  • Home loans availed at fixed interest rates:
    • 4% plus applicable taxes (on prepayment/foreclosure within 36 months)
    • 2% plus applicable taxes (on prepayment/foreclosure after 36 months)

For non-individuals

  • Home loans availed at floating interest rates:
    • 4% plus applicable taxes (on prepayment/foreclosure within 36 months)
    • 2% plus applicable taxes (on prepayment/foreclosure after 36 months)
  • Home loans availed at fixed interest rates:
    • 4% plus applicable taxes (on prepayment/foreclosure within 36 months)
    • 2% plus applicable taxes (on prepayment/foreclosure after 36 months)

Other Charges related to Suryoday Small Finance Bank Home Loans

Particulars Rates
Handling / Admin charges Rs 5,000 plus GST
Mortgage charges Actuals
Stamp duty charges Actuals
Penal charges for late payment 1% of the amount in default or Rs. 250 (Whichever is higher and per instance)
Cheque return / SI return / NACH return charges Rs 500 per instance
Cheque pick up charges Rs 100 per visit
Copy of Property Documents Rs 1,000 per instance
Swapping / Security Cheques / NACH / Replacement of UDCs Rs 1,500 per instance
Duplicate statement charge Rs 200 per instance
Reissuance of DD / PO Rs 200 per instance
Duplicate certificate or interest paid certificate Rs 500 per instance
Copy of credit information obtained from CIBIL Rs 100 per instance
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Eligibility Criteria for availing Suryoday Small Finance Bank Home Loan

Salaried individuals, self-employed professionals and self-employed non-professionals are eligible for availing Suryoday Small Finance Bank Home Loans. Ensure to check the home loan eligibility criteria set by top banks or HFCs before making the home loan application.

Documents required

Identity and Address Proofs for Individuals as per the extant KYC Policy of the Bank as directed by RBI from time to time.

 

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