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 home loan rate information for Bhavnagar, Gujarat starts from 7.15% per annum (rates as of September 2026). Loan amount, tenure, eligibility, pricing and approval depend on lender policy and applicant details.
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Review the available rate information for Bhavnagar; lender pricing and eligibility vary by applicant and property.
Published/Indicative Rates
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Areas in Bhavnagar
Localities in our Bhavnagar reference data include Subhash Nagar, Waghawadi Road, Atabhai Chowk, Kaliyabid.
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Lender Processing Timeline
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Home Loan Rates in Bhavnagar — Published/Indicative Comparison
Rates as of September 2026. Figures are published or indicative and can change; confirm current terms with the lender.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| Canara | 7.15% – 10%Lowest shown | Canara Home Loan scheme |
| Union | 7.15% – 9.6%Lowest shown | Union Home scheme |
| LIC | 7.15% – 10.15%Lowest shown | Griha Prakash scheme |
| BoB | 7.2% – 9.25% | Baroda Home Loan scheme |
| SBI | 7.25% – 8.45% | No prepayment charges on floating |
| PNB | 7.25% – 9.2% | PNB Housing scheme |
| Bajaj | 7.25% – 9.5% | Flexi home loan (OD feature) |
| Bandhan | 7.4% – 12.2% | Affordable housing focus |
| Tata | 7.5% – 9.5% | Tata brand trust |
| ICICI | 7.55% – 9.8% | iMobile eligibility check |
| Kotak | 7.6% – 9.4% | 811 Dream Home Loan |
| HDFC | 7.75% – 13.2% | Digital application process |
| Axis | 8.2% – 9.15% | Power advantage for high-value loans |
| Federal | 8.4% – 9.45% | NRI home loan specialist |
| IDFC | 8.85% – 10.25% | Digital-first processing |
Updated September 2026: published home loan rate entries for Bhavnagar are shown from 7.15% 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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