Repco Home Finance Home Loan Interest Rate — 16th September 2026
Housing finance company
The lowest home loan interest rate Repco Home Finance publishes is 9.90%, and its range runs to 11.40%. We read Repco Home Finance’s rate page on 16 September 2026; this page reproduces what it says, explains the parts that matter, and turns the rates into EMIs you can plan around.
Starting rate
9.90%
Top of published range
11.40%
Benchmark
MLR 9.90%
Effective from
1 June 2026
Read from Repco Home Finance’s own website on 16 September 2026. Source and method
Repco Home Finance home loan interest rate card
By income documentation and loan size
| Loan amount | Documented income | Non-documented income |
|---|---|---|
| Up to ₹30 lakh | 9.90% | 10.90% |
| ₹30 – 75 lakh | 10.05% | 11.05% |
| ₹75 lakh – ₹1.5 crore | 10.20% | 11.20% |
| Above ₹1.5 crore | 10.40% | 11.40% |
| Home loans issued, April – June 2026 — minimum / mean / maximum | 8.75% / 10.91% / 14.05% | — |
Rate reckoner updated 1 June 2026. Each rate is MLR plus a published spread.
What Repco Home Finance’s interest rate card tells you
Repco Home Finance draws a clear line between borrowers who can document their income and those who can’t. With documents, rates start at 9.90% for loans up to ₹30 lakh; without, the same loan costs 10.90% — a flat 1% more at every loan size. Repco also charges more as the loan grows, up to 10.40% above ₹1.5 crore. Its disclosure for April to June 2026 shows a mean of 10.91%, almost exactly the non-documented rate for a small loan.
Its floor puts Repco Home Finance 42nd out of 48 lenders on our list, and 12th among the 18 housing finance companies. Unlike a repo-linked bank loan, Repco Home Finance’s pricing follows its MLR — which Repco Home Finance can move independently of the RBI. Its starting rate sits 4.65 points over today’s 5.25% repo rate. Between the bottom and top of Repco Home Finance’s published range, the EMI on ₹20 lakh over 20 years moves by ₹2,023 a month — which is why the band you land in matters more than the headline.
EMI at Repco Home Finance’s home loan interest rate
Repco Home Finance’s starting rate depends on how much you borrow, so each row below is priced at the floor for that loan size. These are best-case EMIs.
| Loan amount | Starting rate | 10 years | 15 years | 20 years | 25 years | 20 yrs at 11.40% |
|---|---|---|---|---|---|---|
| ₹15 lakh | 9.90% | ₹19,740 | ₹16,027 | ₹14,376 | ₹13,525 | ₹15,893 |
| ₹25 lakh | 9.90% | ₹32,899 | ₹26,712 | ₹23,960 | ₹22,542 | ₹26,489 |
| ₹40 lakh | 10.05% | ₹52,971 | ₹43,107 | ₹38,733 | ₹36,489 | ₹42,382 |
| ₹60 lakh | 10.05% | ₹79,457 | ₹64,660 | ₹58,100 | ₹54,734 | ₹63,573 |
Reducing-balance EMI, before processing fees and insurance. Run your own numbers →
Repco Home Finance against lenders priced nearby
How Repco Home Finance’s floor compares with the four closest on our list — same ₹20 lakh, 20-year loan throughout, so the EMIs line up.
| Lender | Published rate | EMI, ₹20 lakh / 20 yrs | vs Repco Home Finance |
|---|---|---|---|
| SMFG Grihashakti Housing finance company | 9.25% onwards | ₹18,317 | −₹851/mo |
| Truhome Finance Housing finance company | 9.50% onwards | ₹18,643 | −₹525/mo |
| Repco Home Finance Housing finance company | 9.90% – 11.40% | ₹19,168 | — |
| Capri Global Housing Finance Housing finance company | 10.50% – 21.25% | ₹19,968 | +₹800/mo |
| Sundaram Home Finance Housing finance company | 10.65% onwards | ₹20,170 | +₹1,002/mo |
How to land near the bottom of Repco Home Finance’s range
- If you can file income tax returns before applying, do: at Repco the difference between documented and non-documented income is a flat 1% at every loan size.
- If your income can’t be fully documented today, ask whether the lender will reprice the loan once it can be — for example, after two years of tax returns.
- 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 Repco Home Finance home loan costs beyond interest
| Processing fee | 1% of the sanctioned amount plus taxes. ₹5,500 (up to ₹50 lakh) or ₹8,000 (above) is paid at application and is non-refundable; the rest is due before disbursement. On a ₹20 lakh loan, that comes to ₹20,000, before GST. |
|---|---|
| Prepayment and foreclosure | None on any housing loan. |
| Valuation | ₹2,500 up to ₹50 lakh; ₹3,000 up to ₹1 crore |
| Switching floating to fixed | ₹3,000 up to ₹50 lakh; ₹5,000 above |
| CERSAI | Nil for loans sanctioned from April 2025 |
Source: Repco Home Finance’s own schedule of charges, read on 16 September 2026: https://s3.ap-south-1.amazonaws.com/rhfl-strapi/RHFL_Schedule_of_Charges_Website_August_2026_cabb4ea449.pdf
Who can get a Repco Home Finance home loan
| Who can apply | Resident Indians, salaried or not. NRIs apply under a separate product. |
|---|---|
| Age | Minimum 18 |
| Longest term | 25 years |
Source: Repco Home Finance’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://www.repcohome.com/products/dream-home-loan
Repco Home Finance home loan interest rate — common questions
What home loan interest rate does Repco Home Finance charge?
How much does Repco Home Finance charge to process a home loan?
How long can a Repco Home Finance home loan run?
What sets my home loan rate at Repco Home Finance?
How much is the monthly EMI on ₹20 lakh at Repco Home Finance?
Is the Repco Home Finance home loan interest rate floating or fixed?
How does Repco Home Finance compare with Truhome Finance?
Where these figures come from
Source: Repco Home Finance’s own interest rate page, read by BankCreds on 16 September 2026: https://s3.ap-south-1.amazonaws.com/rhfl-strapi/Ready_Reckoner_as_on_Jun_2026_e8cbc89051.pdf
Repco Home Finance states the rate took effect on 1 June 2026.
We began recording Repco Home 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 Repco Home 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 Repco Home Finance publishes, not an offer: the rate you’re quoted is set by Repco Home Finance after it assesses your application. How we collect and check rates →