Can Fin Homes Home Loan Interest Rate — 16th September 2026
Housing finance company
Can Fin Homes’ home loan interest rate runs from 8.95% to 11.00%, according to its own rate page, read on 16 September 2026. Here is the full card, a plain-English reading of it, and the EMI those rates produce on the loan sizes people actually borrow.
Starting rate
8.95%
Top of published range
11.00%
Benchmark
Not stated
Effective from
Not published
Read from Can Fin Homes’ own website on 16 September 2026. Source and method
Can Fin Homes home loan interest rate card
By product and how you’re paid
| Product | Salaried & professional | Self-employed & non-professional |
|---|---|---|
| Individual Housing Loan — floating | 8.95% – 10.10% | 10.00% – 11.00% |
| Individual Housing Loan — fixed | 11.95% – 13.10% | 13.00% – 14.00% |
| Affordable Housing Loan — floating | 8.95% – 10.10% | 10.00% – 11.00% |
| Composite loan, Govt development agency layout — floating | 9.05% – 10.20% | — |
| Composite loan, approved private layout — floating | 9.20% – 10.35% | — |
| Individual Housing Loan, cash salary — floating | 10.70% – 11.95% | — |
| Can Fin Vishwas — fixed | 11.00% – 12.00% | — |
Selected rows. Can Fin Homes publishes no effective date for this card.
What Can Fin Homes’ interest rate card tells you
Can Fin Homes, promoted by Canara Bank, has one of the most detailed cards among housing finance companies, and the biggest factor on it is how you’re paid. Salaried and professional borrowers start at 8.95%, self-employed borrowers at 10.00%, and anyone paid a cash salary at 10.70%. A composite loan — buying a plot and building on it in one loan — costs 0.15% more when the layout is privately developed rather than approved by a government agency. Fixing your rate adds a full 3.00% at the floor, a steep premium for certainty.
On its starting rate, Can Fin Homes ranks 38th of the 48 lenders we track, and 8th of 18 housing finance companies. Can Fin Homes doesn’t price off the RBI repo rate directly: its rates move with an internal benchmark it sets, so a repo cut reaches its borrowers only if Can Fin Homes chooses to pass it on. For scale, its starting rate is 3.70 points above the repo rate of 5.25%. On a ₹50 lakh loan over 20 years, the two ends of Can Fin Homes’ range are ₹6,783 a month apart.
EMI at Can Fin Homes’ home loan interest rate
EMI at 8.95%, Can Fin Homes’ published floor. Where a loan size has its own guide on BankCreds, the amount links to it.
| Loan amount | 10 years | 15 years | 20 years | 25 years | 20 yrs at 11.00% |
|---|---|---|---|---|---|
| ₹35 lakh | ₹44,242 | ₹35,395 | ₹31,378 | ₹29,252 | ₹36,127 |
| ₹50 lakh | ₹63,203 | ₹50,565 | ₹44,826 | ₹41,789 | ₹51,609 |
| ₹70 lakh | ₹88,484 | ₹70,791 | ₹62,756 | ₹58,504 | ₹72,253 |
| ₹1 crore | ₹1,26,405 | ₹1,01,129 | ₹89,651 | ₹83,578 | ₹1,03,219 |
Reducing-balance EMI, before processing fees and insurance. Run your own numbers →
Can Fin Homes against lenders priced nearby
Can Fin Homes next to the lenders priced nearest to it. EMI is on ₹50 lakh over 20 years at each lender’s starting rate.
| Lender | Published rate | EMI, ₹50 lakh / 20 yrs | vs Can Fin Homes |
|---|---|---|---|
| Bandhan Bank Private sector bank | 8.55% – 13.52% | ₹43,550 | −₹1,276/mo |
| IIFL Home Finance Housing finance company | 8.90% – 17.10% | ₹44,665 | −₹161/mo |
| Can Fin Homes Housing finance company | 8.95% – 11.00% | ₹44,826 | — |
| Grihum Housing Finance Housing finance company | 9.00% – 18.00% | ₹44,986 | +₹160/mo |
| SMFG Grihashakti Housing finance company | 9.25% onwards | ₹45,793 | +₹967/mo |
Getting closer to Can Fin Homes’ 8.95% rate
- If you’re paid in cash, moving your salary into a bank account before applying could move you from Can Fin’s cash-salary rate, from 10.70%, toward its salaried rate, from 8.95%.
- Income you can document is income the lender can price. Two to three years of income tax returns, bank statements that show the income arriving, and audited accounts if you run a business all move you toward the lower end.
- Read the sanction letter for the benchmark, the spread and how often the rate resets. Those three lines decide your EMI for the life of the loan far more than the day-one rate does.
What a Can Fin Homes home loan costs beyond interest
| Processing fee | If you apply directly: 0.50% for salaried and professional borrowers, 0.75% for other self-employed borrowers — minimum ₹15,000, maximum ₹20,000, plus GST. Through a DSA: 0.75% or 1%, with the maximum rising to ₹35,000. On a ₹50 lakh loan applying directly as a salaried borrower, that comes to ₹20,000, before GST. |
|---|---|
| Prepayment and foreclosure | None on part-prepayment, or on closing a floating-rate loan. Fixed-rate loans: 2% only if another lender takes the loan over. |
| Rate cut before the quarterly reset | 0.50% of the outstanding plus GST |
| Switching between fixed and floating | 0.50%, at most twice, two years apart |
Source: Can Fin Homes’ own schedule of charges, read on 16 September 2026: https://www.canfinhomes.com/WebsiteDocuments/1256e86d-4312-46bc-9021-d479940d511f.pdf
Who can get a Can Fin Homes home loan
| Who can apply | Salaried borrowers, professionals, other self-employed borrowers, NRIs and pensioners. |
|---|---|
| Longest term | 30 years |
| Loan amount | 70% to 90% of the project cost, depending on the loan |
Source: Can Fin Homes’ home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://www.canfinhomes.com/individual_housing_loans
Can Fin Homes home loan interest rate — common questions
What is Can Fin Homes’ home loan interest rate today?
What is Can Fin Homes’ home loan processing fee?
What is the maximum tenure of a Can Fin Homes home loan?
How does Can Fin Homes decide which rate I get?
What is the EMI on a ₹50 lakh home loan from Can Fin Homes?
Is Can Fin Homes’ home loan interest rate fixed or floating?
How does Can Fin Homes compare with IIFL Home Finance?
Where these figures come from
Source: Can Fin Homes’ own interest rate page, read by BankCreds on 16 September 2026: https://www.canfinhomes.com/pages/interestrates
Can Fin Homes publishes no effective date for this rate, so we don’t show one.
We began recording Can Fin Homes’ home loan rates on 16 September 2026, and any change will be logged against that date as we detect it. Fees and eligibility come from Can Fin Homes’ own schedule of charges and home loan pages, with the full address printed in those sections — never from third-party sites.
Rates are what Can Fin Homes publishes, not an offer: the rate you’re quoted is set by Can Fin Homes after it assesses your application. How we collect and check rates →