Sundaram Home Finance Home Loan Interest Rate — 16th September 2026
Housing finance company
Here’s the home loan interest rate Sundaram Home Finance charges, taken from its own website on 16 September 2026: from 10.65% onwards. We’ve set out the card as published, what decides where you land within it, and the EMI at each end.
Starting rate
10.65%
Top of published range
Not published
Benchmark
SH-PLR 17.60%
Effective from
1 January 2026
Read from Sundaram Home Finance’s own website on 16 September 2026. Source and method
Sundaram Home Finance home loan interest rate card
By employment
| Borrower | Rate |
|---|---|
| Housing — salaried | 10.65% onwards |
| Housing — self-employed individual | 11.15% onwards |
Effective 1 January 2026. Sundaram says rates vary with profile, loan type, loan amount, credit score and SH-PLR.
What Sundaram Home Finance’s interest rate card tells you
Sundaram Home Finance quotes 10.65% onwards for salaried borrowers and 11.15% for self-employed individuals, both in force since 1 January 2026. Those floors are more than 3% above the lowest bank rates we track, and Sundaram publishes no ceiling. Its rates move with its own benchmark, SH-PLR, currently 17.60%. The 0.50% premium for self-employed borrowers is in line with several housing finance companies we track.
Ranked by published starting rate, Sundaram Home Finance comes 44th of 48 — 14th within the 18 housing finance companies we track. Unlike a repo-linked bank loan, Sundaram Home Finance’s pricing follows its SH-PLR — which Sundaram Home Finance can move independently of the RBI. Its starting rate sits 5.40 points over today’s 5.25% repo rate. With no upper figure published, 10.65% is the only fixed point on Sundaram Home Finance’s card; anything above it is decided case by case.
EMI at Sundaram Home Finance’s home loan interest rate
What Sundaram Home Finance’s 10.65% starting rate costs each month on common loan sizes. Treat these as the lowest EMI Sundaram Home Finance would charge, not the likely one.
| Loan amount | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|
| ₹15 lakh | ₹20,366 | ₹16,721 | ₹15,127 | ₹14,324 |
| ₹25 lakh | ₹33,944 | ₹27,868 | ₹25,212 | ₹23,873 |
| ₹40 lakh | ₹54,311 | ₹44,589 | ₹40,339 | ₹38,197 |
| ₹60 lakh | ₹81,466 | ₹66,883 | ₹60,509 | ₹57,295 |
Reducing-balance EMI, before processing fees and insurance. Run your own numbers →
Sundaram Home Finance against lenders priced nearby
The four lenders whose published starting rates sit closest to Sundaram Home Finance’s, with the EMI each floor produces on ₹20 lakh over 20 years.
| Lender | Published rate | EMI, ₹20 lakh / 20 yrs | vs Sundaram Home Finance |
|---|---|---|---|
| Truhome Finance Housing finance company | 9.50% onwards | ₹18,643 | −₹1,527/mo |
| Repco Home Finance Housing finance company | 9.90% – 11.40% | ₹19,168 | −₹1,002/mo |
| Capri Global Housing Finance Housing finance company | 10.50% – 21.25% | ₹19,968 | −₹202/mo |
| Sundaram Home Finance Housing finance company | 10.65% onwards | ₹20,170 | — |
| Aadhar Housing Finance Housing finance company | 11.75% – 17.00% | ₹21,674 | +₹1,504/mo |
Getting closer to Sundaram Home Finance’s 10.65% rate
- If you’re self-employed, compare Sundaram’s 11.15% floor with lenders that price self-employed borrowers closer to salaried ones — the gap at Sundaram is 0.50%.
- A salaried co-applicant can help if the lender assesses the household rather than one person. Ask whether their income counts toward eligibility and whose profile sets the rate.
- 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 Sundaram Home Finance home loan costs beyond interest
| Processing fee | Up to 0.75% of the loan amount plus GST, with a minimum of ₹5,000 to ₹10,000 depending on the loan, plus an upfront fee of up to ₹5,000. On a ₹20 lakh loan, that comes to at most ₹15,000 — ₹20,000 with the upfront fee, before GST. |
|---|---|
| Prepayment and foreclosure | None on variable-rate loans. Fixed-rate loans: 4% of the outstanding, unless prepaid from your own funds. |
| Documentation | ₹600 plus GST |
| Legal appraisal | ₹3,000 plus GST per property |
| Technical appraisal | ₹2,500 internal; up to ₹10,000 external |
Source: Sundaram Home Finance’s own schedule of charges, read on 16 September 2026: https://www.sundaramhome.in/uploads/downloads/Fee_and_Other_Charges_-_Prime_-_01-01-2026.pdf
Who can get a Sundaram Home Finance home loan
| Who can apply | Salaried and self-employed Indian nationals; NRIs, PIOs and OCIs. |
|---|---|
| Age | Minimum 18 |
Source: Sundaram Home Finance’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://www.sundaramhome.in/loans/home-loans
Sundaram Home Finance home loan interest rate — common questions
What is Sundaram Home Finance’s home loan interest rate today?
How much does Sundaram Home Finance charge to process a home loan?
What sets my home loan rate at Sundaram Home Finance?
How much is the monthly EMI on ₹20 lakh at Sundaram Home Finance?
Is the Sundaram Home Finance home loan interest rate floating or fixed?
How does Sundaram Home Finance compare with Capri Global Housing Finance?
Where these figures come from
Source: Sundaram Home Finance’s own interest rate page, read by BankCreds on 16 September 2026: https://www.sundaramhome.in/uploads/downloads/Annual_Percentage_rate_on_Loans.pdf?v=3.0.72
Sundaram Home Finance states the rate took effect on 1 January 2026.
We began recording Sundaram 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 Sundaram 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 Sundaram Home Finance publishes, not an offer: the rate you’re quoted is set by Sundaram Home Finance after it assesses your application. How we collect and check rates →