Compare Home Loan rates in Bhavnagar, 2026.
Reviewed by Jay Patel· Last reviewed:
Bhavnagar, the cultural capital of Saurashtra, is gaining real estate momentum from the Bhavnagar Port and the upcoming CNG terminal. Waghawadi Road and Subhash Nagar are the prestigious residential addresses for the diamond and shipping industries.
Published/indicative home loan rate information for Bhavnagar, Gujarat starts from 7.15% per annum in 2026. Loan amount, tenure, eligibility, pricing and approval depend on lender policy and applicant details.
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Published/Indicative Rates
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Bhavnagar Local Expertise
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Home Loan Rates in Bhavnagar — Published/Indicative Comparison
Updated April 2026. Figures are published/indicative and may change; verify current lender terms.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| SBI | 8.25% – 9.15%Lowest shown | No prepayment charges on floating |
| BoB | 8.25% – 9.15%Lowest shown | 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: published/indicative home loan rate entries for Bhavnagar are shown from 8.25% per annum. Actual rate, eligibility and approval depend on lender policy, applicant profile, loan amount and property location.
Home Loan Eligibility in Bhavnagar
General eligibility criteria for home loan applicants in Bhavnagar, Gujarat.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Bhavnagar 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 a Home Loan application may progress in Bhavnagar
Typical steps run from application to disbursal; lender approval and disbursal decisions remain with the lender.
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Documentation & Filing
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Lender Sanction & Disbursal
Sanction and disbursal timing in Bhavnagar are controlled by the lender and may vary with underwriting, property checks, and documentation. Confirm current lender timelines and disbursal conditions.
Documents Required for Home Loan in Bhavnagar
Keep these documents ready to speed up your home loan application in Bhavnagar.
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 Bhavnagar — Frequently Asked Questions
Common questions about home loan in Bhavnagar, Gujarat.
What are the current Home Loan rates in Bhavnagar in 2026?
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Other Loan Products in Bhavnagar
Explore more loan options available in Bhavnagar through Money Matrix Hub.
Areas listed for Home Loan in Bhavnagar
Localities included in the Bhavnagar reference data.
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