Finance your dream home with ₹10,00,00,000 — compare rates from top banks and HFCs, check eligibility, and apply online with transparent pricing.
Loan amount
₹10,00,00,000
Starting rate
8.50% p.a.
Disbursal
7–15 days
Get ₹10,00,00,000 Home Loan at 8.50%* p.a.
Compare 30+ lenders instantly
Disbursal in 7–15 days
Zero impact on credit score
Your EMI will be
₹7,68,913
Total Interest Payable
₹17,68,08,854
Total Amount Payable
₹27,68,08,854
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Rates, fees, and disbursal timelines are indicative and may vary by lender, profile, and loan amount. *Terms & conditions apply.
| Feature | Details |
|---|---|
| Loan Amount | 10 Crore |
| Interest Rate | 8.40% – 11% p.a. |
| Repayment Tenure | Up to 30 years (360 months) |
| Processing Fee | 0.25% – 1% of loan amount |
| Disbursal Time | 7–15 working days |
| CIBIL Score Required | 700+ (750+ for best rates) |
| Collateral Required | Yes (property as security) |
| Minimum Income | Rs 2,50,000 |
| Prepayment Charges | Nil on floating rate (lender-specific on fixed) |
| Bank/NBFC | Interest Rates (% p.a.) | Processing Fees |
|---|---|---|
| SBI Home Loans | 7.25% p.a. onwards | 50% concession in card rate; 100% waiver in selected cases. |
| HDFC Bank | 7.75% p.a. onwards* | Up to 0.50% for salaried/self-employed professionals; up to 1.50% for self-employed non-professionals + applicable taxes |
| Bank of Baroda | The rate depends on applicable benchmark/spread and borrower profile | As per applicable loan scheme |
| Axis Bank | Profile-dependent | Up to 1% or ₹10,000, whichever is higher + GST |
| ICICI Bank | From 8.50% p.a. | 0.50% + applicable taxes |
| Kotak Mahindra Bank | 7.60% p.a. onwards | As per applicable schedule |
| LIC Housing Finance | From 7.50% p.a. for eligible salaried borrowers with CIBIL ≥800; rates vary by CIBIL/profile slab | As per applicable product and loan slab |
| Bajaj Housing Finance | 7.25%–10.25% salaried; 7.70%–10.65% self-employed | As per applicable product/profile |
| PNB Housing Finance | From 7.60% for loans above ₹35 lakh, subject to CIBIL/profile | 1% of loan applied for + GST |
| IDFC First Bank | Profile/product dependent | As per applicable schedule |
| IndusInd Bank | Profile/benchmark dependent | As per applicable schedule |
| Yes Bank | 8.65% p.a. onwards | As per applicable schedule |
| Tata Capital Housing | 7.50% p.a. onwards salaried; 8.35% p.a. onwards self-employed professionals | From 0.10% + GST salaried; from 0.20% + GST self-employed |
| Aditya Birla Housing | 8.60%–11.85% salaried/SEP; 8.75%–12.35% self-employed | 0.25%–1.50% for a regular home loan |
| Godrej Housing Finance | 7.65% p.a. onwards salaried; 7.90% p.a. onwards self-employed | As per applicable product/profile |
| IIFL Home Finance | Not applicable | Not applicable |
| L&T Housing Finance | 7.75% p.a. onwards | Up to 3% of sanctioned amount + applicable taxes |
*Bikesh Finserv special rates
Note: Rates as of 6th June 2026
Are you considering a ₹10 crore house loan? You are in the high-value/premium property financing market at this loan size, where lenders evaluate applications more carefully and pricing is frequently negotiated on an individual basis rather than taken from a standard published rate card. Nevertheless, before you approach a lender, a house loan EMI calculator is still the ideal place to start when estimating your monthly obligation and creating a budget.
EMI for 10 Crore Home Loan at Different Tenures
Using the standard reducing-balance EMI formula at an indicative 8.5% p.a. interest rate, here's how your monthly EMI for a ₹10 crore home loan changes across tenures:
The monthly EMI difference between a 10-year and 30-year tenure at this loan amount is more than ₹4.7 lakh, so most borrowers at this level work closely with their lender or a financial advisor to structure the tenure around cash flow, existing investments, and tax planning rather than defaulting to the longest available term.
10 Crore Home Loan EMI at Different Interest Rates
Here's how the EMI for a 20-year, ₹10 crore home loan shifts across a realistic rate range:
Your monthly EMI is altered by around ₹94,000 for every 1% change in the interest rate on your 10 crore home loan, which adds more than ₹2.25 crore in interest over the course of 20 years. At this magnitude, you can significantly alter your overall cost of borrowing by negotiating even a slight rate reduction or choosing a shorter duration if your cash flow permits it.
Why This Loan Size Is Different
A few things set a ₹10 crore home loan apart from smaller loans:
Not all lenders offer this ticket size: through conventional retail channels; many direct applicants over a specific threshold to their HNI (high-net-worth individual) or private banking departments.
According to RBI guidelines for loans beyond ₹75 lakh, LTV (loan-to-value) is normally capped at 75% of property value at this level, meaning a sizable down payment, typically ₹2.5 crore or more, is anticipated up front.
Requirements for income and documentation are increasingly stringent, frequently requiring not just basic income evidence but also comprehensive net-worth statements, investment portfolios, and firm financials.
Rates are frequently negotiated based on the overall banking relationship, collateral quality, and the borrower's broader financial profile, rather than being a fixed published number.
Why Use a 10 Crore Home Loan EMI Calculator
Using an EMI calculator to model various rate and tenure combinations before approaching a lender is very useful since it provides you with a clear benchmark to negotiate against, especially considering how much a fraction of a percentage point matters at this loan size.
Note: The aforementioned EMI statistics are illustrative and were computed at representative interest rates using the conventional EMI calculation. A ₹10 crore house loan's actual interest rates, eligibility requirements, and terms are usually negotiated one-on-one with the lender and can differ greatly from stated rates. To model your particular situation, use our home loan EMI calculator. For a definitive quotation, speak with lenders directly.
| Loan Amount (Rs.) | Interest Rate (p.a.) | Tenure | EMI (Rs.) | Interest Cost (Rs.) |
|---|---|---|---|---|
| 10 crore | 7.5% p.a. | 20 years | 8,05,580 | 9,33,39,200 |
| 10 crore | 8.0% p.a. | 20 years | 8,36,460 | 10,07,50,400 |
| 10 crore | 8.5% p.a. | 20 years | 8,67,880 | 10,82,91,200 |
| 10 crore | 9.0% p.a. | 20 years | 8,99,760 | 11,59,42,400 |
| Loan Amount (Rs.) | Interest Rate (p.a.) | Tenure | EMI (Rs.) | Interest Cost (Rs.) |
|---|---|---|---|---|
| 10 crore | 8.5% p.a. | 10 years | 12,39,880 | 4,87,85,600 |
| 10 crore | 8.5% p.a. | 15 years | 9,84,820 | 7,72,67,600 |
| 10 crore | 8.5% p.a. | 20 years | 8,67,880 | 10,82,91,200 |
| 10 crore | 8.5% p.a. | 25 years | 8,05,140 | 14,15,42,000 |
| 10 crore | 8.5% p.a. | 30 years | 7,68,980 | 17,68,32,800 |
Lenders compare your profile to basic eligibility requirements; however, at the ₹10 crore level, the evaluation is typically more customized than for lesser loans. The usual prerequisites are as follows:
| Aspect | Salaried | Self-employed |
|---|---|---|
| Credit risk | Lower credit risk (stable salary) | Moderate credit risk (variable income) |
| Availability | Easier approval with salary slips and Form 16 | Requires ITRs, business proof, and bank statements |
| Interest rates | Lower interest rates at same profile | Slightly higher rates unless strong financials |
| Pre-approved offers | Pre-approved home loan offers available | Pre-approved offers less common |
| Lender coverage | Widely offered by all banks and HFCs | Offered with stricter income assessment and documentation |
Below-mentioned are the documents required to apply for a Rs. 10 crore home loan. Keep digital copies ready for a faster, fully online application.
| Particulars | Charges |
|---|---|
| Loan Processing Fees | 0.25% to 1% of loan amount |
| Legal & Technical Evaluation | As per actuals (typically Rs. 5,000 – Rs. 15,000) |
| Prepayment / Part-prepayment / Foreclosure Charges | Floating Rate: Nil; Fixed Rate: Usually around 2% – 4% on outstanding principal |
| Loan Cancellation | Usually around Rs. 3,000 – Rs. 5,000 |
| Stamp Duty & Registration | As per state norms |
| MODT / Mortgage Charges | As per actuals |
| Penal Charges | Usually @ 2% per month on overdue amount |
| EMI / Cheque Bounce | Around Rs. 500 per bounce |
You can apply for a home loan through Bikesh Finserv in the following steps:
It is feasible to obtain a Rs. 10 crore home loan despite having a low CIBIL score. Bikesh Finserv can also offer house loans for applicants with credit scores below 700. However, a worse credit score is far more significant at this loan size than it is for lesser loans; lenders are much more cautious when the risk reaches crores, and approval is less guaranteed than at smaller ticket sizes.
Why CIBIL Score Matters Even More at ₹10 Crore: One of the main criteria used by lenders to evaluate repayment risk is your CIBIL score. For a ₹10 crore home loan interest rate offer, even a small score difference can result in a much higher rate considering the whole loan amount. For the best terms and prices, a score of 750 or more is highly recommended. Approval is still possible for scores between 650 and 749, but usually only in cases where there are considerable compensatory elements, such as a high net worth, big liquid assets, or a solid banking relationship. Approval becomes much more difficult below 650 at this loan level and is typically dependent on extra protections.
What Changes With a Lower CIBIL Score: For those with weaker credit ratings, the majority of major public and commercial institutions may offer house loans at higher interest rates. Since home loans are secured by real estate, many lenders are more accommodating than with unsecured products. However, regardless of credit score, legal verification, property appraisal, and income assessment are still stringent, and at ₹10 crore, this scrutiny is even more thorough.
Applicants with a lower CIBIL score at this loan level may experience the following in addition to a higher interest rate: a lower LTV ratio, which raises the required down payment much above the typical 25% and occasionally much higher. More thorough paperwork than the typical income proof, such as comprehensive net-worth statements, investment portfolios, and firm financials. Since loans of this size are rarely processed through fully automated approval systems, case-by-case underwriting is preferred over typical published conditions. A greater focus on overall banking connections and collateral quality, which can partially compensate for a lower credit score.
Ways to Increase Your Odds: Include a co-applicant who has a solid credit history and assets or income that can be independently verified. Pay off any outstanding balances on loans and credit cards, as they have a negative impact on your credit score. To lower the risk exposure of the lender, significantly raise your down payment above the minimum LTV threshold. Before submitting an application, check your credit report for inaccuracies and dispute any inaccurate entries. At this loan level, establish a private banking relationship with your desired lender beforehand. The strength of this relationship frequently affects underwriting flexibility.
Got questions?
EMI depends on interest rate and tenure. At 8.50% p.a. for 20 years, EMI is around Rs. 7,68,913. At 9.50% for the same tenure, it is around Rs. 8,40,854. Use the calculator on this page or our home loan EMI tool to try different combinations.
Most lenders prefer a minimum monthly income of Rs 2,50,000 for salaried applicants. Self-employed borrowers may need to show stable income through ITRs and bank statements for the last 2–3 years.
Yes, though approval is harder with scores below 700. Banks may offer higher rates or lower LTV. Since home loans are secured against property, lenders may still consider applicants with lower scores if income and property title are strong.
After document verification and property legal/technical evaluation, disbursal typically takes 7–15 working days. Pre-approved customers with complete property papers may receive faster disbursal.
You generally need KYC, income proof (salary slips or ITRs), bank statements, sale agreement or allotment letter, approved building plan, and property title documents.
Floating-rate home loans usually have nil prepayment charges. Fixed-rate loans may charge 2%–4% on the outstanding principal. Always check your lender's schedule of charges before signing.
Yes. Lenders assess business vintage (usually 3+ years), ITRs, bank statements, and credit score. Interest rates may be slightly higher than for salaried borrowers with similar profiles.
Rates typically range from 8.40% to 11% p.a. depending on lender, credit score, income, property type, and LTV. Applicants with 750+ CIBIL scores usually qualify for the best rates.
Compare offers, check eligibility, and get funds for your Rs. 10 crore home loan.
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