Grihum Housing Finance Home Loan Interest Rate — 16th September 2026
Housing finance company · formerly Poonawalla Housing Finance
Grihum Housing Finance publishes the home loan interest rates it actually charged — 9.00% to 18.00% for April – June 2026, with a mean of 12.80%. That tells you more than a card rate would, and this page explains why, alongside the EMI those rates produce.
Lowest rate charged
9.00%
Mean rate charged
12.80%
Highest rate charged
18.00%
Period
April – June 2026
Read from Grihum Housing Finance’s own website on 16 September 2026. Source and method
Grihum Housing Finance home loan interest rates: what borrowers actually paid
Rates Grihum actually charged (April – June 2026)
| Product | Range | Mean |
|---|---|---|
| Housing Loan | 9.00% – 18.00% | 12.80% |
Grihum publishes the quarterly range of rates on loans it issued.
What Grihum Housing Finance’s disclosed interest rates tell you
Grihum Housing Finance — the former Poonawalla Housing Finance — publishes the actual range on housing loans it issued between April and June 2026: 9.00% to 18.00%, with a mean of 12.80%. Its benchmark, the Grihum Reference Rate, is 12.90% from 7 June 2026, so the average borrower paid almost exactly the benchmark. A strong profile can reach the bottom of the range, but the mean is the realistic expectation, and it sits 3.80% above the floor.
On its lowest disclosed rate, Grihum Housing Finance would rank 39th of the 48 lenders we track — though that compares a rate it actually charged with other lenders’ advertised floors, so read it loosely. Grihum Housing Finance doesn’t price off the RBI repo rate directly: its rates move with its own Grihum Reference Rate, so a repo cut reaches its borrowers only if Grihum Housing Finance chooses to pass it on. For scale, its lowest disclosed rate is 3.75 points above the repo rate of 5.25%. Paying the mean rate of 12.80% rather than the lowest, 9.00%, adds ₹3,864 a month to a ₹15 lakh, 20-year loan.
EMI at the interest rates Grihum Housing Finance actually charged
Monthly EMI at 12.80%, the mean rate Grihum Housing Finance charged in April – June 2026 — a realistic planning figure. The last column shows the EMI at 9.00%, the lowest rate it charged.
| Loan amount | 10 years | 15 years | 20 years | 25 years | 20 yrs at 9.00% (lowest) |
|---|---|---|---|---|---|
| ₹10 lakh | ₹14,813 | ₹12,521 | ₹11,574 | ₹11,128 | ₹8,997 |
| ₹20 lakh | ₹29,627 | ₹25,042 | ₹23,147 | ₹22,256 | ₹17,995 |
| ₹30 lakh | ₹44,440 | ₹37,563 | ₹34,721 | ₹33,384 | ₹26,992 |
| ₹45 lakh | ₹66,660 | ₹56,345 | ₹52,081 | ₹50,076 | ₹40,488 |
Reducing-balance EMI, before processing fees and insurance. Run your own numbers →
Grihum Housing Finance against lenders priced nearby
How Grihum Housing Finance’s floor compares with the four closest on our list — same ₹15 lakh, 20-year loan throughout, so the EMIs line up.
| Lender | Published rate | EMI, ₹15 lakh / 20 yrs | vs Grihum Housing Finance |
|---|---|---|---|
| Bandhan Bank Private sector bank | 8.55% – 13.52% | ₹13,065 | −₹431/mo |
| IIFL Home Finance Housing finance company | 8.90% – 17.10% | ₹13,400 | −₹96/mo |
| Can Fin Homes Housing finance company | 8.95% – 11.00% | ₹13,448 | −₹48/mo |
| Grihum Housing Finance Housing finance company | 9.00% – 18.00% | ₹13,496 | — |
| SMFG Grihashakti Housing finance company | 9.25% onwards | ₹13,738 | +₹242/mo |
What to expect when you apply to Grihum Housing Finance
- Grihum’s mean contracted rate is almost exactly its 12.90% benchmark, so a quote at or below the benchmark is roughly what a typical Grihum borrower pays.
- Plan around the mean, not the minimum. The minimum was earned by the strongest files the lender saw that period; the mean is a far better guide to an ordinary one.
- 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 Grihum Housing Finance home loan costs beyond interest
| Processing fee | Up to 2.50% of the sanctioned amount, minimum ₹2,000, plus taxes, and a non-refundable login fee of up to ₹5,000. On a ₹15 lakh loan, that comes to at most ₹37,500 — ₹42,500 with the login fee, before GST. |
|---|---|
| Prepayment and foreclosure | None on floating-rate loans. Fixed-rate loans: none from your own funds; 4% if refinanced with borrowed money. |
| Rate switch or repricing | Up to 3% of the outstanding |
| Late payment | 24% a year on the overdue amount |
Grihum’s home loan page says up to 2%; its schedule of charges and terms document say up to 2.50%.
Source: Grihum Housing Finance’s own schedule of charges, read on 16 September 2026: https://grihumhousing.com/pdf/schedule-of-charges/1774423580-schedule-of-charges-english.pdf
Who can get a Grihum Housing Finance home loan
| Who can apply | Salaried and self-employed individuals, including those with informal income. |
|---|---|
| Age | Minimum 21 |
| Longest term | 30 years |
| Loan amount | ₹5 lakh to ₹50 lakh |
Source: Grihum Housing Finance’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://grihumhousing.com/home-loan
Grihum Housing Finance home loan interest rate — common questions
What is Grihum Housing Finance’s home loan interest rate today?
What is Grihum Housing Finance’s home loan processing fee?
What is the maximum tenure of a Grihum Housing Finance home loan?
What rate do Grihum Housing Finance borrowers actually pay?
What is the EMI on a ₹15 lakh home loan from Grihum Housing Finance?
Is Grihum Housing Finance’s home loan interest rate fixed or floating?
How does Grihum Housing Finance compare with Can Fin Homes?
Where these figures come from
Source: Grihum Housing Finance’s own interest rate page, read by BankCreds on 16 September 2026: https://grihumhousing.com/pdf/stockexchange/ROI-Range-Website-disclosure-30-06-2026.pdf
The figures cover April – June 2026.
This is the first reading in our Grihum Housing Finance rate history, taken on 16 September 2026, and future changes will be dated from it. The fees and eligibility shown were read from Grihum Housing Finance’s own schedule of charges and product pages.
Rates are what Grihum Housing Finance publishes, not an offer: the rate you’re quoted is set by Grihum Housing Finance after it assesses your application. How we collect and check rates →