Best Home Loan rates in Junagadh, 2026.
Reviewed by Jay Patel· Last reviewed: stale
Junagadh, gateway to the Gir National Park, is seeing steady residential growth driven by the Saurashtra agri-economy and tourism. Joshipura and Ranavav Road host most new apartment projects targeting traders and professionals.
Best home loan rates in Junagadh, Gujarat 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.
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Home Loan Rates in Junagadh — Bank-wise Comparison
Updated April 2026. Showing 15 banks serving Junagadh.
| 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 Junagadh from 8.25% per annum. Actual rate depends on applicant profile, loan amount, and property location in Junagadh.
Home Loan Eligibility in Junagadh
General eligibility criteria for home loan applicants in Junagadh, Gujarat.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Junagadh or Gujarat
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 Junagadh — Step by Step
Our Junagadh team handles the entire process from application to disbursal.
Share Your Requirements
Tell us your Home Loan needs in Junagadh — 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 Junagadh 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 Junagadh. We explain every term in plain language.
Documentation & Filing
Our team in Junagadh 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 Junagadh. We stay with you until the last rupee is credited.
Documents Required for Home Loan in Junagadh
Keep these documents ready to speed up your home loan application in Junagadh.
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 Junagadh — Frequently Asked Questions
Common questions about home loan in Junagadh, Gujarat.
What are the current Home Loan rates in Junagadh in 2026?
Which bank offers the lowest Home Loan rate in Junagadh?
How much Home Loan can I get in Junagadh?
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Other Loan Products in Junagadh
Explore more loan options available in Junagadh through Money Matrix Hub.
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