Sammaan Capital Home loan
Apply for Sammaan Capital Home Loan & avail of instant sanction for housing finance online. Sammaan Home Loan Interest Rates starts at 8.75% p.a onwards. You can opt for affordable EMIs with extended tenure of 30 years despite modest credit score.
Apply for Sammaan Capital Home loan @ 8.75% Interest Rates

Indiabulls Home Loan Details
Note: Indiabulls Housing Finance Ltd has rebranded itself in 2024. From July 2024 onwards, Indiabulls Housing Finance Ltd has been renamed as Sammaan Capital Ltd. Sammaan Capital will continue to focus on retail home loans and mortgage-backed loans to micro, small and medium enterprises (MSMEs).
Here are highlights of Indiabulls Home Loan:
Loan Amount | Up to 90 % of the property cost |
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Rate of interest | 8.75% onwards |
Tenure | Up to 30 Years |
Lowest EMI possible | Rs. 787 per Lakh |
Processing fee | Up to 0.50% of the loan amount + GST |
Prepayment/ Foreclosure Charges | Nil for floating home loan |
Sammaan Capital Home Loan Features & Benefits
- Simple application process
- Quick approval & disbursal
- Attractive interest rates
- Sammaan Capital Home Loan Interest rate concession for women applicants
- Flexible repayment plans
- Tax benefits on Indiabulls home loan repayment
- Flexible EMI schemes
- Add a co-applicant to increase loan eligibility
- Customised options according to borrowers’ needs.
- Apply for purchase or construction of flat, villa or plot loan from SBI.
- Sammaan Capital Home loan for under construction properties are also available.
- No pre-payment and foreclosure charges on Indiabulls home loan.
- No hidden charges.
- Balance transfer & home loan top up facility available.
- Online as well as offline customers support.
- Check application & loan status instantly online.
Looking for 30 Lakh Home Loan? Check Interest rates, Eligibility, EMI & Apply Now!
Sammaan Capital Home Loan Interest Rates
Sammaan Capital offers Home Loans at floating as well as fixed interest rate. While the floating interest rates fluctuate as per the market conditions, fixed interest rates remain constant during the entire loan tenure.
Currently floating interest rates on Sammaan Capital home loan vary from 8.75% p.a. However, effective interest rate depends on a variety of factors such as profile, tenure, loan amount, and property type.
You can also opt for a dual home loan wherein loan is approved at fixed interest rate for the initial 2 years and shifts to a variable/ floating rate variant automatically for the rest of the tenure.
Also, note that interest is calculated on monthly rests and thus your interest component in EMI will reduce each month.
Check Best Home Loan Interest Rates starting @7.35% from different banks and NBFCs
Sammaan Capital Home Loan Comparison with Other Lenders
Lender | Maximum Loan Amount | Maximum Tenure | Interest Rate | Processing Fee |
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Sammaan Capital Home Loan | Up to 90% of property cost | 30 years | 8.75% | Up to 0.50% of the loan amount + GST & applicable statutory levies |
HDFC Home Loan | Up to 90% of property cost | 30 years | 7.90% - 9.00% | Up to 0.50% or Rs. 4,500 (whichever is higher) + applicable taxes |
Kotak Mahindra Home Loan | 75% to 90 % of property value | 30 years | 7.99% | O.50% to 2.0 % + GST |
IDFC First Home Loan | Rs. 5 Crores | 30 years | 8.85% | Up to 3% of loan amount |
Bank of Baroda Home Loan | Up to 90% of property cost | 30 years | 7.45% | Rs. 8,500 + GST |
Indiabulls Home Loan Schemes
Sammaan Capital Home Loans
- Instant home construction loan for purchase of a new or pre-owned residential unit.
- End to end digital processing.
- Open for both salaried as well as self-employed individuals.
- Extended tenure up to 30 years at attractive rate of interest.
- Sammaan Capital Housing finance up to 75% to 90% of the cost of the property, subject to loan amount, borrower’s income and fulfilment of other eligibility factors.
- The loan tenure for salaried applicants should not extend beyond their retirement.
- Self-employed persons can repay up to 65 years of age.
Sammaan Capital Home Improvement Loans
- Secured online loan for renovation or improvement of existing homes.
- Open to both new and existing customers.
- Available for all types of internal & external home repair & improvement expenses.
- The eligibility criteria are in lines with other Sammaan Capital Home Loan.
- The maximum repayment tenure is 15 years and varies as per borrower’s profile and age of the property on loan maturity.
- Flexible repayment options.
Sammaan Capital Home Extension Loans
- Home extension loan for growing needs of your family.
- The repayment tenure depends on several factors like customer's profile, age at maturity of the loan, and the age of the property at maturity.
- The overall eligibility criteria are same for all categories of Sammaan Capital home loan.
- End to end online fulfilment.
- No prepayment charges.
- Flexible repayment options.
Sammaan Capital Home Loan Balance Transfer
- Enjoy high value Sammaan Capital home loan refinancing/ balance transfer option with IHFL.
- Extended tenure up to 30 years, subject to your age and property value & location.
- No Prepayment charges.
- Flexible loan tenure & repayment options.
- High loan to value eligibility amount.
- Avail of attractive top up option.
- Lower EMIs or adjust repayments according to needs.
- Attractive Sammaan home loan interest rate, varying from 8.70% to 12.00% p.a, subject to your profile, loan amount, tenor and property type.
PMAY (Pradhan Mantri Awas Yojana)
PMAY is a credit-linked subsidy scheme (CLSS) launched by Government of India for providing affordable housing to all Indians by 2022.
Sammaan Capital Housing Finance is one of the nominated financial institutions to provide Home Loans under PMAY scheme. The maximum eligible subsidy amount under PMAY is Rs 2.67 Lakhs annually. The last date to submit application for PMAY 2021 benefits is 31 March 2022 under LIG & EWS Categories.
Indiabulls Home Loans for NRIs
- IHFL provides Home Loans for NRIs based in the United Kingdom and Dubai.
- NRIs in these countries can contact Sammaan Capital' representative office in London and Dubai respectively.
- Loan can be applied, sanctioned, approved & disbursed online.
- NRI Home Loan offers benefits at par with regular home loans.
Indiabulls Rural Home Loans
- Affordable housing loan for rural and semi-urban residents in India.
- Instant online sanction.
- Transparent processing & attractive terms and conditions.
- Flexible tenure & repayment option.
- Easy documentation.
- Swift & responsive customer support.
You can also check DDA Housing Scheme 2025
Aditya Birla Housing Finance Home Loan Documents Required
The documentation for Aditya Birla Capital Home Loan include proof of identity and residence, proof of income and property etc.
Here is the detailed list-
Aditya Birla Home Loan List of documents | |
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Application form |
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Age proof |
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Residence proof |
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Property documents |
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Income proof for salaried |
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Income proof for self employed |
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Additional Info: Also check Documents Required For Home Loan
Sammaan Capital Home Loan Fees & Charges
Processing fees | 0.5% onwards |
Prepayment charges- floating rate Loans (Individual) | NIL |
Fixed and dual loans (fixed & floating loans) |
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Non-Individual Loans- Floating & dual loans- (fixed and floating loans) |
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Technical/ Valuation and Legal opinion charges, SRO search charges, ROC search charges, non-encumbrance certificate from SRO | Rs 2,500 |
Transaction handling charges for balance transfer or resale home loans | Rs 1,500 |
Charge for cheque / NACH dishonour | Rs 500 (home loans) Nil for ECS / PDC |
Late payment charges | 24% p.a. on outstanding EMI |
PDC/ ECS swapping charges | NIL |
Retrieval charges for copies of loan /property document in IB custody | Emailing of scanned copies: NIL Physical copies with IB attestation: Rs 500 |
Charges for statement of account / amortization schedule | Rs 200 |
Registration charges for borrowers’ ECS mandate (loan repayment) | NIL |
Income Tax Certificate in home loans | NIL |
Compliant handling charges | NIL |
Charges for certified true copies of title deeds from SRO, if applicable | As per actual |
Stamping charges of loan agreement | As per actual, subject to State laws |
Stamping charges of other legal documents like indemnity bond, legal undertakings, legal affidavits, personal guarantee bond, power of attorney for NRI home loans | As per actual, subject to State laws |
Original property documents retrieval for specific activity like production at SRO or development authority (on borrower request) | Rs 5,000 |
Database admin fee | Rs 650 (inclusive of service tax) |
* GST & statutory charges applicable in addition to levied fees & charges.
Sammaan Capital Home Loan Eligibility Criteria
You can instantly check eligibility for Indiabulls housing loan online using home loan eligibility calculator. All you need to do is fill your monthly income, loan tenure & interest rate to check Sammaan Capital home loan eligibility amount.
Other eligibility factors include:
- Stable source of income. Both salaried and self-employed qualify to apply.
- NRIs living in UK and Dubai can apply by contacting Sammaan Capital' representative office in London & Dubai besides applying online.
- The applicant should be between 21 to 65 years during the loan term.
- Standard margin rates apply for all Sammaan Capital home loan.
- Minimum CIBIL score should be 550 to apply for Sammaan Capital home loan.
- Add spouse or immediate family member to enhance Indiabulls home loan eligibility.
- A co-owner must become a co-applicant for Sammaan Capital housing loan.
Additional Info: Also check How to Calculate Home Loan Eligibility on Your Own?
Sammaan Capital Home Loan Documents Required
To get your home loan application sanctioned and approved swiftly, go through following checklist. Keeping documentation handy helps you get faster turnaround for your Sammaan Capital Home Loan application.
List of Indiabulls home loan documents required for online application:
Common documents (Mandatory for all applicants) |
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Documents for salaried applicants | Income Documents (duly attested):
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Documents for Self-Employed (Non-Professional Applicants) |
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Documents for Self Employed Professionals |
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Documents for BSF Applicants |
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Documents for Merchant Navy/ NRI Applicants |
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Other Related Documents (If Applicable) |
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Additional Info: Check 35 Lakh Home Loan EMI Apply Online.
How to Calculate Sammaan Capital Home Loan EMI?
Sammaan Capital follows daily reducing balance method for calculating interest on Sammaan Capital home loan. You can determine your home loan EMI by making use of the MyMoneyMantra EMI Calculator. The process is simple. Enter the loan amount, interest rate and loan tenure in the calculator screen. You will instantly get loan EMI, total repayment amount along with complete amortisation schedule. You can save the same for future reference.
Sammaan Capital Home Loan Calculation
Loan Amount | 10 years | 20 years | 30 years |
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Rs 20 Lakh | Rs. 25,065 | Rs. 17,674 | Rs. 15,734 |
Rs 30 Lakh | Rs. 37,598 | Rs. 26,511 | Rs. 23,601 |
Rs 40 Lakh | Rs. 50,131 | Rs. 35,348 | Rs. 31,468 |
Rs 50 Lakh | Rs. 62,663 | Rs. 44,186 | Rs. 39,335 |
Rs 60 Lakh | Rs. 75,196 | Rs. 53,023 | Rs. 47,202 |
*For EMI calculation purpose, flat rate of Interest @8.75% p.a. is considered.
The calculation is indicative only. Your EMI schedule will vary as per the effective rate of interest offered to you.
You can also use Sammaan Capital Home Loan Calculator to get EMI details conveniently through the lender’s portal.
Sammaan Capital Home loan FAQs
The loan application process is hassle free and disbursal is fast. An ABHFL executive from the nearest branch will also visit you in case you have any queries or issues regarding your home loan.
Aditya Birla Housing Finance offers different types of home loans for varied customer needs. Some of the popular loans are: Home Loan, Home Extension Loan, Home Improvement Loan, Residential Plot Construction Loan and Home Construction Loan.
The upper and lower limit of the loan varies as per the eligibility of the borrower. The home loan eligibility depends on the borrower’s repayment capacity and 75-90% percentage of property value.
You can apply for Aditya Birla Home Loan online or offline as per your choice. Applying online is more convenient and hassle free. Applying for Aditya Birla Home Loan online will just take a few minutes. Keep your documents handy and you will get the response on your application the same day. The processing will take 1-2 days after the verification of documents.
Depending on your income, ABHFL offers advance sanction letter to borrowers. You can use the sanction letter for searching the home. The loan amount sanctioned can be approved and disbursed as you finalize the property later.
The property for which the loan is availed of, is itself considered as the collateral for home loan.
Yes, Indian residents are eligible for tax benefits on the repayment of both the principal and interest amount of home loan under section 80C & 24 of the Income Tax Act.
It is most convenient to repay home loan EMI through NACH (National Automated Clearing House).