Compare Home Loan rates in Gurgaon, 2026.
Reviewed by Jay Patel· Last reviewed:
Gurgaon (Gurugram), the millennium city of NCR, is India's corporate powerhouse with major MNCs headquartered along Golf Course Road and Cyber City. Dwarka Expressway and New Gurgaon sectors offer the best value for new homebuyers.
Published/indicative home loan rate information for Gurgaon, Haryana 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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Review the available rate information for Gurgaon; lender pricing and eligibility vary by applicant and property.
Published/Indicative Rates
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Gurgaon Local Expertise
Our advisors know Gurgaon's top areas: Golf Course Road, Sohna Road, Sector 56-57, DLF Phase 1-5 and more.
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Home Loan Rates in Gurgaon — 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 Gurgaon 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 Gurgaon
General eligibility criteria for home loan applicants in Gurgaon, Haryana.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Gurgaon or Haryana
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 Gurgaon
Typical steps run from application to disbursal; lender approval and disbursal decisions remain with the lender.
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Documentation & Filing
Use the lender's current checklist to compile documents in Gurgaon. Submit the application through the channel the lender confirms and retain copies of everything provided.
Lender Sanction & Disbursal
Sanction and disbursal timing in Gurgaon 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 Gurgaon
Keep these documents ready to speed up your home loan application in Gurgaon.
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 Gurgaon — Frequently Asked Questions
Common questions about home loan in Gurgaon, Haryana.
What are the current Home Loan rates in Gurgaon in 2026?
Which bank offers the lowest Home Loan rate in Gurgaon?
How much Home Loan can I get in Gurgaon?
What documents are needed for a Home Loan in Gurgaon?
How long does Home Loan processing take in Gurgaon?
Other Loan Products in Gurgaon
Explore more loan options available in Gurgaon through Money Matrix Hub.
Areas listed for Home Loan in Gurgaon
Localities included in the Gurgaon reference data.
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