Home First Finance Home Loan Interest Rate — 16th September 2026

Q: What is the current Home First Finance home loan interest rate?

Its published starting rate is 8.00% , and its range goes up to 17.50% . We took that from Home First Finance’s website on 16 September 2026; Home First Finance doesn’t say when it took effect. Your own rate is set once Home First Finance has assessed your file.

Q: What is the maximum tenure of a Home First Finance home loan?

Home First Finance publishes a maximum term of 25 years . On ₹50 lakh at 8.00%, stretching to the full term costs ₹38,591 a month, against ₹47,783 over 15 years.

Q: What is the EMI on a ₹50 lakh home loan from Home First Finance?

At 8.00%, ₹50 lakh costs ₹41,822 a month over 20 years, or ₹47,783 over 15 years. At the top of Home First Finance’s range, 17.50%, the 20-year EMI is ₹75,247.

Housing finance company

Home First Finance’s home loan interest rate runs from 8.00% to 17.50%, 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

8.00%

Top of published range

17.50%

Benchmark

PLR 17.00%

Effective from

Not published

Read from Home First Finance’s own website on 16 September 2026. Source and method

Home First Finance home loan interest rate card

Home loan rate range

Product	Minimum	Maximum
Home Loan (floating)	8.00%	17.50%
Home Loan top-up	Depends on your existing home loan	—

Home First publishes one range for home loans, with no grid by score, income or loan size.

What Home First Finance’s interest rate card tells you

Home First Finance publishes the widest card range of any lender we track: 8.00% to 17.50%. A 9.50% spread means the floor says very little on its own, and the card doesn’t say what earns it. Its benchmark PLR is 17.00%, updated on 1 January 2026, so the bottom of the range sits far below Home First’s own reference rate. If you’re offered a rate in the teens, test a bank or a larger housing finance company first; on ₹20 lakh over 20 years, the two ends of the range are ₹13,370 a month apart.

Ranked by published starting rate, Home First Finance comes joint 27th of 48 — joint 5th within the 18 housing finance companies we track. Home First Finance doesn’t price off the RBI repo rate directly: its rates move with its own PLR, so a repo cut reaches its borrowers only if Home First Finance chooses to pass it on. For scale, its starting rate is 2.75 points above the repo rate of 5.25%. Between the bottom and top of Home First Finance’s published range, the EMI on ₹50 lakh over 20 years moves by ₹33,425 a month — which is why the band you land in matters more than the headline.

EMI at Home First Finance’s home loan interest rate

Monthly EMI at Home First Finance’s starting rate of 8.00%. These are the best case — if you’re quoted above the floor, your EMI will be higher.

Loan amount	10 years	15 years	20 years	25 years	20 yrs at 17.50%
₹30 lakh	₹36,398	₹28,670	₹25,093	₹23,154	₹45,148
₹50 lakh	₹60,664	₹47,783	₹41,822	₹38,591	₹75,247
₹75 lakh	₹90,996	₹71,674	₹62,733	₹57,886	₹1,12,871
₹1 crore	₹1,21,328	₹95,565	₹83,644	₹77,182	₹1,50,494

Reducing-balance EMI, before processing fees and insurance. Run your own numbers →

Home First Finance against lenders priced nearby

The four lenders whose published starting rates sit closest to Home First Finance’s, with the EMI each floor produces on ₹50 lakh over 20 years.

Lender	Published rate	EMI, ₹50 lakh / 20 yrs	vs Home First Finance
Standard Chartered Foreign bank	7.99% onwards	₹41,791	−₹31/mo
Home First Finance Housing finance company	8.00% – 17.50%	₹41,822	—
Tata Capital Housing finance company	8.00% – 13.00%	₹41,822	same
Axis Bank Private sector bank	8.00% – 9.10%	₹41,822	same
IndusInd Bank Private sector bank	8.00% – 15.00%	₹41,822	same

All 48 lenders → Filter and compare → Lowest rates →

How to land near the bottom of Home First Finance’s range

Home First’s own benchmark is 17.00%, so a quote below it isn’t automatically a good one. Measure it against the 8.00% floor and against a bank’s written offer instead.
Get a written competing offer before you negotiate. On a wide range, a concrete alternative is worth more than any argument about your profile.
If you already bank with the lender, say so. An account the lender can see removes much of the income checking and gives you something to negotiate from.

Home First Finance home loan fees and charges

Processing fee	Home First doesn’t use the term processing fee. It charges a non-refundable ₹2,500 login fee plus GST, and a further fee that depends on loan size and loan type, set out in its fee grid.
Prepayment and foreclosure	None, for part or full prepayment.
Valuation (legal and technical)	Up to ₹10,000
Switching between fixed and floating	2% of the outstanding
Late EMI	2% a month on the overdue amount

We couldn’t match the grid’s columns to loan types with enough confidence to quote a figure for a home purchase. Ask Home First for the exact amount on your loan.

Source: Home First Finance’s own schedule of charges, read on 16 September 2026: https://homefirstindia.com/policy/schedule-of-charges

Who can get a Home First Finance home loan

Who can apply	Salaried borrowers, including those paid in cash; self-employed borrowers, with documented income not mandatory; NRIs with an Indian address.
Longest term	25 years

Source: Home First Finance’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://homefirstindia.com/faqs

Home First Finance home loan interest rate — common questions

What is the current Home First Finance home loan interest rate?

Its published starting rate is 8.00%, and its range goes up to 17.50%. We took that from Home First Finance’s website on 16 September 2026; Home First Finance doesn’t say when it took effect. Your own rate is set once Home First Finance has assessed your file.

What is Home First Finance’s home loan processing fee?

Home First doesn’t use the term processing fee. It charges a non-refundable ₹2,500 login fee plus GST, and a further fee that depends on loan size and loan type, set out in its fee grid. We couldn’t match the grid’s columns to loan types with enough confidence to quote a figure for a home purchase. Ask Home First for the exact amount on your loan.

What is the maximum tenure of a Home First Finance home loan?

Home First Finance publishes a maximum term of 25 years. On ₹50 lakh at 8.00%, stretching to the full term costs ₹38,591 a month, against ₹47,783 over 15 years.

What decides where I fall in Home First Finance’s 8.00%–17.50% range?

Home First Finance doesn’t publish that. Its card gives one range for the loans it covers, without a grid by credit score or loan size, so your placement is decided when Home First Finance assesses your application. Ask for your rate in writing before comparing.

What is the EMI on a ₹50 lakh home loan from Home First Finance?

At 8.00%, ₹50 lakh costs ₹41,822 a month over 20 years, or ₹47,783 over 15 years. At the top of Home First Finance’s range, 17.50%, the 20-year EMI is ₹75,247.

Is Home First Finance’s home loan interest rate fixed or floating?

The home loan interest rate Home First Finance publishes is floating. Home First Finance quotes its home loan rates against PLR, currently 17.00%. When the benchmark moves, floating rates linked to it move with it; the spread Home First Finance adds for your profile generally stays the same.

How does Home First Finance compare with Tata Capital?

Tata Capital publishes home loans from 8.00%, against 8.00% at Home First Finance — the same starting rate. Starting rates alone won’t separate them. Compare the full rate cards and get a written quote from each before deciding.

Where these figures come from

Source: Home First Finance’s own interest rate page, read by BankCreds on 16 September 2026: https://homefirstindia.com/policy/schedule-of-charges

Home First Finance publishes no effective date for this rate, so we don’t show one.

We began recording Home First Finance’s 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 Home First Finance’s own schedule of charges and home loan pages, with the full address printed in those sections — never from third-party sites.

Rates are what Home First Finance publishes, not an offer: the rate you’re quoted is set by Home First Finance after it assesses your application. How we collect and check rates →