Finance your dream home with ₹1,00,00,000 — compare rates from top banks and HFCs, check eligibility, and apply online with transparent pricing.
Loan amount
₹1,00,00,000
Starting rate
8.50% p.a.
Disbursal
7–15 days
Get ₹1,00,00,000 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
₹76,891
Total Interest Payable
₹1,76,80,885
Total Amount Payable
₹2,76,80,885
Loading offers…
Rates, fees, and disbursal timelines are indicative and may vary by lender, profile, and loan amount. *Terms & conditions apply.
| Feature | Details |
|---|---|
| Loan Amount | 1 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 1,00,000 |
| Prepayment Charges | Nil on floating rate (lender-specific on fixed) |
| Bank/NBFC | Interest Rates (% p.a.) | Processing Fees |
|---|---|---|
| SBI Home Loans | 7.25%* onwards* | 0.35% of loan amount |
| HDFC Bank | 7.75%–13.20% | Up to 0.50% of loan amount or ₹3,000, whichever higher, + taxes |
| Bank of Baroda | ~7.50% onwards | Up to 0.50% |
| Axis Bank | ~8.00%–8.35% | Up to 1% of loan amount or ₹10,000, whichever higher, + GST |
| ICICI Bank | 7.45%–7.50% | 0.5% of loan amount + applicable taxes |
| Kotak Mahindra Bank | 7.60%–7.70% onwards | 0.5% (salaried) / 1% (self-employed) |
| LIC Housing Finance | ~7.15%–7.50% onwards | ~0.25%–1% (min. ₹5,000–15,000) + GST |
| Bajaj Housing Finance | 7.25% onwards | Up to 7% + GST |
| PNB Housing Finance | ~7.50%–7.90% onwards | ~0.50%–1% + taxes |
| IDFC First Bank | 8.85% onwards | Up to 3% of sanctioned loan amount |
| IndusInd Bank | ~8.35%–8.60% onwards | ~1% of loan amount or ₹10,000, whichever is higher |
| Yes Bank | 9.00% onwards | 0.5%–2% + GST |
| Tata Capital Housing | 7.50% onwards | 0.5%–2% + GST |
| Aditya Birla Housing | 7.75%–8.60% onwards | Up to 1% of loan amount |
| Godrej Housing Finance | 7.60% onwards | 1%–3% |
| IIFL Home Finance | 8.20%–8.75% onwards | 0.5%–1.75% |
| L&T Housing Finance | Not confirmed | ~0.25% + taxes |
*Bikesh Finserv special rates
Note: Rates as of Aug 2026
Are you considering a ₹1 crore home loan? Running the numbers up front is crucial since, in comparison to smaller loans, even slight changes in interest rate or tenure have a far greater influence on your monthly EMI and total interest outlay at this loan size. You may plan your budget with confidence and compare lenders on a like-for-like basis by using a home loan EMI calculator to estimate your monthly amount before you apply.
EMI for 1 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 ₹1 crore home loan changes as you extend the repayment tenure:
The overall interest paid over 30 years is much higher, yet the 30-year EMI on a 1 crore home loan is around 40% less than the 10-year EMI. Because the absolute rupee difference in total interest between a short and long tenure can reach tens of lakhs, this trade-off is particularly significant at this loan level. Instead of choosing the tenure with the lowest monthly EMI, it's important to carefully consider this in relation to your long-term repayment capacity and income stability.
1 Crore Home Loan EMI at Different Interest Rates
Interest rates vary by lender, your credit score, and prevailing market conditions. Here's how the EMI for a 20-year, ₹1 crore home loan shifts across a realistic rate range:
A 1% change in your 1 crore home loan interest rate for this loan amount results in a monthly EMI change of about ₹9,400, which adds up to approximately ₹22 lakh in additional interest over the course of 20 years. Because of this, one of the most important financial steps in this procedure is to compare the interest rates on a one-crore home loan from different lenders rather than taking the first offer.
Why Use a 1 Crore Home Loan EMI Calculator
For a loan this big, calculating the EMI by hand requires compounding interest over a lengthy period of time, which is simple to do incorrectly. In order to view your precise monthly repayment and the total interest due during the loan duration, a 1 crore house loan EMI calculator rapidly enters your loan amount, interest rate, and tenure. This is especially helpful at the ₹1 crore threshold, when lenders may set different prices for different loan slabs and even slight variations in interest rates add up to substantial sums.
Note: The aforementioned EMI statistics are illustrative and were computed at representative interest rates using the conventional EMI calculation. Your credit score, income profile, loan tenure, and the particular lender you select will all affect your actual 1 crore house loan interest rate and, consequently, your EMI. Check the numbers for your precise rate and tenure combination using our home loan EMI calculator.
| Loan Amount (Rs.) | Interest Rate (p.a.) | Tenure | EMI (Rs.) | Interest Cost (Rs.) |
|---|---|---|---|---|
| 1 crore | 7.5% p.a. | 20 years | 80,558 | 93,33,920 |
| 1 crore | 8.0% p.a. | 20 years | 83,646 | 1,00,75,040 |
| 1 crore | 8.5% p.a. | 20 years | 86,788 | 1,08,29,120 |
| 1 crore | 9.0% p.a. | 20 years | 89,976 | 1,15,94,240 |
| Loan Amount (Rs.) | Interest Rate (p.a.) | Tenure | EMI (Rs.) | Interest Cost (Rs.) |
|---|---|---|---|---|
| 1 crore | 8.5% p.a. | 10 years | 1,23,988 | 48,78,560 |
| 1 crore | 8.5% p.a. | 15 years | 98,482 | 77,26,760 |
| 1 crore | 8.5% p.a. | 20 years | 86,788 | 1,08,29,120 |
| 1 crore | 8.5% p.a. | 25 years | 80,514 | 1,41,54,200 |
| 1 crore | 8.5% p.a. | 30 years | 76,898 | 1,76,83,280 |
A ₹1 crore home loan is contingent upon a number of parameters, such as your salary, age, credit score, current debts, job security, and property valuation. These elements are evaluated by lenders to see if you can afford to repay the loan during the chosen period of time. Meeting the general requirements does not ensure approval because different banks, home finance firms, and NBFCs may have different eligibility requirements.
| 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. 1 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:
Although it can be difficult to get a ₹1 crore house loan with a poor CIBIL score, not all lenders would reject your application. Before approving a 1 crore house loan, banks and housing finance businesses evaluate a number of aspects, such as your credit history, income, current EMIs, stability of employment or business, property worth, and total repayment capacity. The lender's internal credit policy will ultimately determine the outcome.
A higher CIBIL score typically increases your chances of loan acceptance and gives you access to better lending arrangements. A CIBIL score typically runs from 300 to 900. Additionally, according to CIBIL, applicants with lower credit ratings would still be able to get loans from certain lenders, albeit with stricter requirements or higher interest rates.
Can You Get a ₹1 Crore Home Loan Below a 700 CIBIL Score? A ₹1 crore home loan cannot be approved or denied based on a uniform CIBIL score threshold. Lenders may take into account other aspects of your financial history, but a score below 700 could make the application more challenging, especially for a significant loan amount. A borrower with a lower CIBIL score, for instance, may have a stronger application than one with a higher score but excessive debt if they have a stable and sufficient income, manageable existing liabilities, consistent employment or business income, and a suitable property.
How Does a Low CIBIL Score Affect a ₹1 Crore Home Loan? A lower credit score can affect your application in several ways: higher 1 crore home loan interest rate; stricter eligibility conditions; lower sanctioned amount (a sum less than the ₹1 crore asked may be approved); additional security or co-applicant requirement; and a longer approval process with further verification of income, credit history, and property. Since home loans are secured against the property, lenders consider both the borrower's credit profile and the property's value and legal status when assessing the application.
How to Improve Your Chances of Getting a ₹1 Crore Home Loan: Check your CIBIL report and identify errors or outstanding accounts; pay existing EMIs and credit card dues on time; reduce existing debt to improve your repayment capacity; avoid making multiple loan applications within a short period; consider an eligible co-applicant with a stronger financial profile; and maintain stable income with income and property documents ready. Make sure the amount fits comfortably inside your budget by using a ₹1 crore home loan EMI calculator before applying. To preserve or enhance your credit profile, CIBIL advises making payments on time, using credit sparingly, and carefully applying for new credit.
Got questions?
EMI depends on interest rate and tenure. At 8.50% p.a. for 20 years, EMI is around Rs. 76,891. At 9.50% for the same tenure, it is around Rs. 84,085. 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 1,00,000 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. 1 crore home loan.
Apply Now
