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Home Loan Comparison

Bajaj Finance Home Loan vs Aavas Housing Finance Home Loan vs Shriram Housing Finance Home Loan vs Grihum Housing Finance Home Loan

Bajaj Finance
Aavas Housing Finance
Shriram Housing Finance
Grihum Housing Finance

Introduction

Finding the best home loan can save you money and stress. We'll compare the home loan products from Bajaj Finance, Aavas Housing Finance, Shriram Housing Finance, and Grihum Housing Finance, focusing on their rates, terms, and additional features. Discover which bank offers the most advantageous package for your home purchase.

Basic InfoBajaj FinanceAavas Housing FinanceShriram Housing FinanceGrihum Housing Finance
 
 
 
 
 
Interest Rate
Check Now ↗
7.99% - 15.00%
8.50-10.5%
9.50% - 10.5%
9.00% - 17.25%
Loan TenureMax 40 Years
Max 30 years
Max 25 years
Max 30 years
LTV80% - 90%
80% - 90%
80% - 90%
80% - 90%
Max Loan AmountUpto 5cr
Upto 3cr
Upto 10 Cr
Upto 5cr
EligibilityBajaj FinanceAavas Housing FinanceShriram Housing FinanceGrihum Housing Finance
 
 
 
 
 
AgeSalaried : 23 - 65 years
Self Employed : 23 - 75 years
Salaried/ Self Employed : 18 - 75 years
Salaried/ Self Employed :24 - 70 years
Salaried/ Self Employed :21 - 65 years
ProfessionSalaried/Self Employed
Salaried/Self Employed
Salaried/Self Employed
Salaried/Self Employed
IncomeMetro Cities : 20,000/Month & Above
Other Cities : 15,000/Month & Above
Metro Cities : 20,000/Month & Above
Other Cities : 15,000/Month & Above
Metro Cities : 20,000/Month & Above
Other Cities : 15,000/Month & Above
Salaried: ₹ 20,000 & above
Self-employed: ₹ 3 Lakh & above
NationalityResident Indian/ NRI
Resident Indian/ NRI
Resident Indian/ NRI
Resident Indian/ NRI
Fees & ChargesBajaj FinanceAavas Housing FinanceShriram Housing FinanceGrihum Housing Finance
 
 
 
 
 
Processing FeesUp to 4% of the loan amount
Up to 2% + GST
Up to 2.5% of the loan amount plus applicable taxes.
0.50% of your sanctioned loan amount
Other Charges
Administrative Fees - Up to 2% + GST
Pre-payment Fees : NIL
No foreclosure charges
Properties supportedBajaj FinanceAavas Housing FinanceShriram Housing FinanceGrihum Housing Finance
 
 
 
 
 
Plot Purchase
Independent Building
Apartment
Resale Property
New Construction
Features & OfferingsBajaj FinanceAavas Housing FinanceShriram Housing FinanceGrihum Housing Finance
 
 
 
 
 
Home Loan
Plot Cum Construction Loan
Balance Transfer
Overdraft FacilityNO
Top Up Facility
Other OfferingsLoan Against Property
Loan Against Property, Home Improvement Loan, Business Loan
Loan Against Property, Home Improvement Loan, Business Loan
Home Extension Loan, Home Improvement Loan, Loan Against Property

Bank Highlights

Bajaj Finance Home Loan

  • Low-Interest Rates
  • Approval in 48 Hours
  • No Foreclosure Fee for individuals
  • Hassle Free Application

Aavas Housing Finance Home Loan

  • Wide Range of Eligible Properties
  • Integrated Branch Network
  • Loan Amount Flexibility
  • Flexible Tenure Options

Shriram Housing Finance Home Loan

  • Flexible Repayment
  • Easy Documentation
  • Life insurance cover is offered to housing loan borrowers
  • Dedicated Relationship Manager

Grihum Housing Finance Home Loan

  • Comprehensive Solutions for Every Dream House
  • Affordability at its Core
  • Financial Freedom, Simplified
  • Flexibility Tailored for You.
  • Easy top up loans in future.

Disclaimer

The interest rates, maximum tenures, and other charges are subject to change, and it's advisable to check with our experts for the most current information.

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Home Loan Calculations

Bajaj Finance vs Aavas Housing Finance vs Shriram Housing Finance vs Grihum Housing Finance Calculations

₹50,00,000
20 Years
Compare Home LoansBajaj FinanceAavas Housing FinanceShriram Housing FinanceGrihum Housing Finance
 
 
 
 
 
Loan Amount₹ 50,00,000₹ 50,00,000₹ 50,00,000₹ 50,00,000
Loan Tenure20 years20 years20 years20 years
Rate of Interest7.99% - 15.00%8.50-10.5%9.50% - 10.5%9.00% - 17.25%
Monthly EMI₹ 41,790 -
₹ 65,839
₹ 43,391 -
₹ NaN
₹ 46,606 -
₹ 49,918
₹ 44,986 -
₹ 74,292
Calculator

Home Loan EMI Calculator

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Loan AmountInterest Amount
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Interest Amount
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Loan Amount

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Interest Amount

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Total Payable

₹ 0

Monthly EMI

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Your Amortization details(Yearly/Monthly)

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Feature Comparison

1

Rate of Interest

When evaluating home loan options from Bajaj Finance, Aavas Housing Finance, Shriram Housing Finance, and Grihum Housing Finance, consider their interest rates carefully. Bajaj Finance offers rates of 7.99% - 15.00%, which can lead to lower monthly payments. Aavas Housing Finance provides rates of 8.50-10.5%, potentially offering better savings over the life of the loan. Shriram Housing Finance has rates of 9.50% - 10.5%, suitable for borrowers needing adaptable financing terms. Grihum Housing Finance offers rates of 9.00% - 17.25%, which might be advantageous for cost-sensitive borrowers.

2

Loan Tenure

Bajaj Finance provides loan tenures up to Max 40 Years, ideal for reducing monthly financial commitments. Aavas Housing Finance offers loan durations up to Max 30 years, balancing repayment terms with financial flexibility. Shriram Housing Finance allows loan periods up to Max 25 years, perfect for those aiming to repay their loans more swiftly. Grihum Housing Finance extends tenures up to Max 30 years, accommodating various repayment strategies.

3

Maximum Loan Amount

In terms of maximum loan amounts, Bajaj Finance offers up to Upto 5cr, making it ideal for purchasing luxury properties. Aavas Housing Finance caps loans at Upto 3cr, suitable for standard home investments. Shriram Housing Finance provides loans up to Upto 10 Cr, catering to more modest real estate purchases. Grihum Housing Finance offers maximum loans of Upto 5cr, supporting a wide range of property investments.

4

Processing Fees

Processing fees are an important consideration. Bajaj Finance charges Up to 4% of the loan amount, Aavas Housing Finance imposes Up to 2% + GST, Shriram Housing Finance sets its fee at Up to 2.5% of the loan amount plus applicable taxes., and Grihum Housing Finance requires 0.50% of your sanctioned loan amount. These fees should be factored into your initial loan costs to determine the most economical option.


Conclusion

Making the right choice among the home loans offered by Bajaj Finance, Aavas Housing Finance, Shriram Housing Finance, and Grihum Housing Finance involves a detailed evaluation of several critical factors. By thoroughly assessing interest rates, eligibility requirements, loan tenures, maximum loan amounts, and processing fees, you can select a loan that best aligns with your financial goals and facilitates a smooth path to homeownership.

Confused About Home Loans? We’re Here to HELP!

Get detailed answers to the most frequently asked questions, tailored for your peace of mind.

How to compare housing loans?

What is the EMI for a 20 lakh home loan?

What is the minimum cibil score for home loan?

How to increase CIBIL score fast?

Can I take 2 home loans?

How can I lower my interest rate on my home loan?

Which bank gives a 100% home loan in India?

What does Credit Dharma do?

How does Credit Dharma get the best home loans for me?

Are the services offered by Credit Dharma free?

How to compare housing loans?
When comparing housing loans, evaluate interest rates, repayment terms, associated fees, and eligibility criteria to find the best fit for your financial situation.
What is the EMI for a 20 lakh home loan?
What is the minimum cibil score for home loan?
How to increase CIBIL score fast?
Can I take 2 home loans?
How can I lower my interest rate on my home loan?
Which bank gives a 100% home loan in India?
What does Credit Dharma do?
How does Credit Dharma get the best home loans for me?
Are the services offered by Credit Dharma free?

Other Bajaj Finance Home Loan Comparison

  • Kotak Mahindra vs Bajaj Finance

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Other Aavas Housing Finance Home Loan Comparison

  • Kotak Mahindra vs Aavas Housing Finance

  • HDFC vs Aavas Housing Finance

  • SBI vs Aavas Housing Finance

  • Bajaj Finance vs Aavas Housing Finance

Other Shriram Housing Finance Home Loan Comparison

  • Kotak Mahindra vs Shriram Housing Finance

  • HDFC vs Shriram Housing Finance

  • SBI vs Shriram Housing Finance

  • Bajaj Finance vs Shriram Housing Finance

Other Grihum Housing Finance Home Loan Comparison

  • Kotak Mahindra vs Grihum Housing Finance

  • HDFC vs Grihum Housing Finance

  • SBI vs Grihum Housing Finance

  • Bajaj Finance vs Grihum Housing Finance

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