Truhome Finance (Shriram Housing Finance) Home Loan Interest Rate — 16th September 2026
Housing finance company · formerly Shriram Housing Finance
Truhome Finance’s home loan interest rate runs from 9.50% upwards, 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
9.50%
Top of published range
Not published
Benchmark
Not stated
Effective from
Not published
Read from Truhome Finance’s own website on 16 September 2026. Source and method
Truhome Finance home loan interest rate card
What Truhome publishes
| Home loan | Rate |
|---|---|
| Home loan — all applicants | Starts at 9.50% |
Truhome says the final rate depends on credit history, income stability and the loan requirement.
What Truhome Finance’s interest rate card tells you
Truhome Finance, formerly Shriram Housing Finance, quotes home loans starting at 9.50% and says the final rate depends on credit history, income stability and what you’re borrowing. Its rate-card document gives a range of 8.50% to 21.00%, but that covers every product it sells rather than home loans alone, so we don’t use it as a home loan ceiling. With only a floor to go on, ask for a written quote and put it next to a bank’s before deciding.
Its floor puts Truhome Finance 41st out of 48 lenders on our list, and 11th among the 18 housing finance companies. Truhome Finance 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 Truhome Finance chooses to pass it on. For scale, its starting rate is 4.25 points above the repo rate of 5.25%. Because Truhome Finance publishes only a starting rate, there’s no published ceiling to measure against — the spread above 9.50% is set when Truhome Finance assesses your application.
EMI at Truhome Finance’s home loan interest rate
Monthly EMI at Truhome Finance’s starting rate of 9.50%. 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 |
|---|---|---|---|---|
| ₹15 lakh | ₹19,410 | ₹15,663 | ₹13,982 | ₹13,105 |
| ₹30 lakh | ₹38,819 | ₹31,327 | ₹27,964 | ₹26,211 |
| ₹50 lakh | ₹64,699 | ₹52,211 | ₹46,607 | ₹43,685 |
| ₹75 lakh | ₹97,048 | ₹78,317 | ₹69,910 | ₹65,527 |
Reducing-balance EMI, before processing fees and insurance. Run your own numbers →
Truhome Finance against lenders priced nearby
The four lenders whose published starting rates sit closest to Truhome Finance’s, with the EMI each floor produces on ₹25 lakh over 20 years.
| Lender | Published rate | EMI, ₹25 lakh / 20 yrs | vs Truhome Finance |
|---|---|---|---|
| Can Fin Homes Housing finance company | 8.95% – 11.00% | ₹22,413 | −₹890/mo |
| Grihum Housing Finance Housing finance company | 9.00% – 18.00% | ₹22,493 | −₹810/mo |
| SMFG Grihashakti Housing finance company | 9.25% onwards | ₹22,897 | −₹406/mo |
| Truhome Finance Housing finance company | 9.50% onwards | ₹23,303 | — |
| Repco Home Finance Housing finance company | 9.90% – 11.40% | ₹23,960 | +₹657/mo |
What moves your rate at Truhome Finance
- With a single published figure and no range, ask Truhome for your rate and its spread over the benchmark in writing, and put the quote beside a bank’s before deciding.
- With no published grid, the only way to see your real rate is to ask for it. Request a written quote that states the spread over the benchmark as well as the rate, so you can compare it fairly.
- A bigger down payment helps at almost every lender: it lowers the loan-to-value ratio and the loan size at once, and both feed into pricing.
Processing fee and other Truhome Finance charges
| Processing fee | Up to 1–2% of the loan amount plus taxes, according to Truhome’s home loan FAQ, plus a non-refundable login fee of ₹1,000 to ₹5,000. On a ₹25 lakh loan, that comes to at most ₹50,000, before GST. |
|---|---|
| Prepayment and foreclosure | None on floating-rate loans. Fixed-rate loans: none from your own funds; 6% of the amount prepaid via a balance transfer. |
| Late payment | 36% a year, including GST |
| Switching fixed to floating | Up to 4% of the outstanding |
Truhome’s terms document gives no percentage and refers to the sanction letter.
Source: Truhome Finance’s own schedule of charges, read on 16 September 2026: https://www.truhomefinance.in/home-loan
Who Truhome Finance lends to
| Who can apply | Salaried borrowers (including those paid in cash), professionals and business owners — including traders and shopkeepers with informal income. |
|---|---|
| Age | Minimum 25 |
| Longest term | 25 years |
| Loan amount | ₹3 lakh to ₹10 crore |
Source: Truhome Finance’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://www.truhomefinance.in/home-loan
Truhome Finance home loan interest rate — common questions
What is Truhome Finance’s home loan interest rate today?
What is Truhome Finance’s home loan processing fee?
What is the maximum tenure of a Truhome Finance home loan?
Does Truhome Finance publish home loan rates by credit score?
What is the EMI on a ₹25 lakh home loan from Truhome Finance?
Is Truhome Finance’s home loan interest rate fixed or floating?
How does Truhome Finance compare with SMFG Grihashakti?
Where these figures come from
Source: Truhome Finance’s own interest rate page, read by BankCreds on 16 September 2026: https://www.truhomefinance.in/home-loan
Truhome Finance publishes no effective date for this rate, so we don’t show one.
This is the first reading in our Truhome Finance rate history, taken on 16 September 2026, and future changes will be dated from it. The fees and eligibility shown were read from Truhome Finance’s own schedule of charges and product pages.
Rates are what Truhome Finance publishes, not an offer: the rate you’re quoted is set by Truhome Finance after it assesses your application. How we collect and check rates →