Compare Home Loan rates in Delhi, 2026.
Reviewed by Jay Patel· Last reviewed:
Delhi, the national capital, offers a mature real estate market with strong rental yields and capital appreciation. From affordable DDA flats in Dwarka to luxury residences in Greater Kailash, the NCR market caters to every budget.
Published home loan rate information for Delhi, Delhi NCR 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.
Compare Home Loan options in Delhi
Review the available rate information for Delhi; lender pricing and eligibility vary by applicant and property.
Published/Indicative Rates
Compare the lender rate entries shown for home loan; final pricing depends on lender policy and your details.
Areas in Delhi
Localities in our Delhi reference data include Dwarka, Rohini, Saket, Vasant Kunj.
Review Terms Carefully
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Lender Processing Timeline
Processing times vary by lender, application details, documents and verification.
Home Loan Rates in Delhi — 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 Delhi 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 Delhi
General eligibility criteria for home loan applicants in Delhi, Delhi NCR.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Delhi or Delhi NCR
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 Delhi
Typical steps run from application to disbursal; lender approval and disbursal decisions remain with the lender.
Share Your Requirements
Share your Home Loan needs in Delhi — amount, tenure preference, and property details. An advisor can review the information provided, while lender assessment timing and decisions vary.
Compare Available Lender Information
Review available lender information in Delhi in a side-by-side comparison of indicative rate, EMI, processing fee, and total interest. Confirm current lender documents before applying.
Compare Lender Terms
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Documentation & Filing
Use the lender's current checklist to compile documents in Delhi. Submit the application through the channel the lender confirms and retain copies of everything provided.
Lender Sanction & Disbursal
Sanction and disbursal timing in Delhi 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 Delhi
Keep these documents ready to speed up your home loan application in Delhi.
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 Delhi — Frequently Asked Questions
Common questions about home loan in Delhi, Delhi NCR.
What are the current Home Loan rates in Delhi in 2026?
Which bank offers the lowest Home Loan rate in Delhi?
How much Home Loan can I get in Delhi?
What documents are needed for a Home Loan in Delhi?
How long does Home Loan processing take in Delhi?
Other Loan Products in Delhi
Explore more loan options available in Delhi through Money Matrix Hub.
Areas listed for Home Loan in Delhi
Localities included in the Delhi reference data.
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