Best Home Loan rates in Guwahati, 2026.
Reviewed by Jay Patel· Last reviewed: stale
Guwahati, the gateway to North-East India, is the regional headquarters for IT, education, and healthcare. GS Road and Beltola are the top residential corridors driven by professionals serving the seven sister states.
Best home loan rates in Guwahati, Assam start from 7.15% per annum in 2026, with loans up to Rs 10 crore and tenure up to 30 years across 40+ banks. Money Matrix Hub is a free DSA loan-advisory service.
Why Choose Money Matrix Hub for Home Loan in Guwahati?
We maintain direct relationships with bank branches across Guwahati to negotiate the best deals for you.
Lowest Rates Guaranteed
Compare home loan rates from 15+ banks in Guwahati starting 7.15% p.a.
Guwahati Local Expertise
Our advisors know Guwahati's top areas: GS Road, Beltola, Hatigaon, Dispur and more.
100% Free Service
We earn from banks, not from you. Zero service charge, zero hidden costs.
48-Hour Sanction
Fast-track processing with dedicated bank contacts in Guwahati for quick sanctions.
Home Loan Rates in Guwahati — Bank-wise Comparison
Updated April 2026. Showing 15 banks serving Guwahati.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| SBI | 8.25% – 9.15%Lowest | No prepayment charges on floating |
| BoB | 8.25% – 9.15%Lowest | Baroda Home Loan scheme |
| PNB | 8.3% – 9.2% | PNB Housing scheme |
| Canara | 8.3% – 9.25% | Canara Home Loan scheme |
| Union | 8.3% – 9.2% | Union Home scheme |
| LIC | 8.3% – 9.35% | Griha Prakash scheme |
| HDFC | 8.35% – 9.25% | Digital application process |
| ICICI | 8.35% – 9.3% | iMobile instant eligibility |
| Bajaj | 8.35% – 9.5% | Flexi home loan (OD feature) |
| Axis | 8.4% – 9.35% | Power advantage for high-value loans |
| Federal | 8.4% – 9.45% | Strong NRI desk |
| Kotak | 8.45% – 9.4% | 811 Dream Home Loan |
| Tata | 8.45% – 9.5% | Tata brand trust |
| IDFC | 8.5% – 9.5% | Digital-first processing |
| Bandhan | 8.5% – 9.5% | Affordable housing focus |
Updated April 2026: 15 banks offer home loan in Guwahati from 8.25% per annum. Actual rate depends on applicant profile, loan amount, and property location in Guwahati.
Home Loan Eligibility in Guwahati
General eligibility criteria for home loan applicants in Guwahati, Assam.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Guwahati or Assam
Self-Employed Applicants
- Age: 21 – 70 years
- Min Income: Rs 3 Lakhs/year ITR
- Business Vintage: 3 years
- CIBIL Score: 700+
- Business registered in India
How to Get a Home Loan in Guwahati — Step by Step
Our Guwahati team handles the entire process from application to disbursal.
Share Your Requirements
Tell us your Home Loan needs in Guwahati — amount, tenure preference, and property details. Our advisor will evaluate your profile within 30 minutes.
Compare 40+ Bank Offers
We fetch live rates from all banks in Guwahati and present you a side-by-side comparison showing rate, EMI, processing fee, and total interest payable.
Choose Your Best Offer
Pick the bank that suits you best based on rate, tenure flexibility, and service quality in Guwahati. We explain every term in plain language.
Documentation & Filing
Our team in Guwahati helps you compile the complete document set, fills out the application form, and submits it to the bank — saving you hours of branch visits.
Sanction & Disbursal
We follow up with the bank for swift processing. Expect sanction within 48 hours and disbursal within 7-10 working days in Guwahati. We stay with you until the last rupee is credited.
Documents Required for Home Loan in Guwahati
Keep these documents ready to speed up your home loan application in Guwahati.
For Salaried Applicants
- 1PAN Card & Aadhaar Card
- 2Last 6 months salary slips
- 3Last 2 years Form 16 / ITR
- 4Last 6 months bank statements
- 5Property documents (Agreement, Title deed)
- 6Passport-size photographs
- 7Address proof (utility bill / rent agreement)
For Self-Employed Applicants
- 1PAN Card & Aadhaar Card
- 2Last 3 years ITR with computation
- 3Last 3 years audited balance sheet & P&L
- 4Last 12 months bank statements (all accounts)
- 5Property documents (Agreement, Title deed)
- 6Business registration (GST, Udyam, Shop Act)
- 7Passport-size photographs
Home Loan in Guwahati — Frequently Asked Questions
Common questions about home loan in Guwahati, Assam.
What are the current Home Loan rates in Guwahati in 2026?
Which bank offers the lowest Home Loan rate in Guwahati?
How much Home Loan can I get in Guwahati?
What documents are needed for a Home Loan in Guwahati?
How long does Home Loan processing take in Guwahati?
Other Loan Products in Guwahati
Explore more loan options available in Guwahati through Money Matrix Hub.
Popular Areas for Home Loan in Guwahati
Top localities in Guwahati where we serve the most borrowers.
Home Loan in Other Cities
Compare home loan rates and apply in 50+ cities across India.
Want Jay to compare your rate across 40+ banks?
Jay or Rushik will reply on WhatsApp — usually within a few hours. Free, no obligation.