Interest Rates Starting at just 7.10% p.a.*
Get access to home loan offers from India's leading banks with competitive interest rates. Enjoy a hassle-free process with minimal paperwork and dedicated support from a real expert at every step.
Part of The Manipal Group
Built on 90+ years of trust and legacy
Unsecured Loan
No collateral or third-party guarantee required
Fast Disbursal
Funds disbursed within 24 to 72 hours*
24/7 Support
Expert assistance at every step of your journey
In simple words “A home loan is a secured loan offered by banks and financial institutions that helps you purchase, construct, or renovate a house. Instead of paying the full cost of the property upfront.” This is technically correct, but it's missing important information about home loans. A home loan is a long agreement. You borrow a large sum to buy a property today and repay it monthly over 15 to 30 years. The bank holds the property papers until you finish paying, that's why the loan can be offered at a much lower interest rate than a personal loan or credit card. While most borrowers focus on the monthly EMI, it is equally important to understand the total cost of the loan. Over a long tenure of 15 to 30 years, interest payments can form a significant portion of the total amount repaid. Even a small difference in interest rates can result in substantial savings over the life of the loan. The total interest you pay over the years is where the real money goes. On a ₹50 lakh loan at 8.75% for 20 years, you'll pay ₹44,186 as EMI every month. Over 20 years, that adds up to ₹1.06 crore. Of which ₹56 lakh is just interest. That's why a 0.25% rate difference matters. Over 20 years, on a ₹50L loan, it's roughly ₹2.5 lakh. Therefore, when evaluating home loan options, it is important to look beyond the EMI and compare factors such as interest rates, processing fees, prepayment and foreclosure terms and overall loan flexibility. At Manipal Fintech, we help you compare offers from leading lenders and find a home loan that best suits your needs, budget and long-term financial goals.
Multiple banks and NBCFs offer home loans, but here's why people choose to go through us instead.
We have 20+ lending partners offering home loans at the lowest interest rates - one application, multiple offers, the best one is yours.
Rates start from 7.1% p.a., kept competitive through bidding by 20+ partner banks and NBFCs for your application.
Choose a tenure between 5 and 30 years to keep your EMI manageable. Prepay anytime - most floating-rate loans carry no prepayment penalty.
We assess your full financial profile - not just your salary. That helps you get the best home loan value with lower interest rates.
Manipal Fintech also helps you to transfer your existing home loan to a lender offering lower interest rates and better terms.
Manipal Fintech lets you get a top up loan amount on your existing home loan.
Calculate your monthly EMI based on the loan amount, interest rate and tenure. Instantly see your repayment schedule, total interest payable and how adjusting your loan amount, tenure, or interest rate can impact your EMI and help you save on interest over the life of your loan.
From online loan application to disbursal - our home loan process is designed to be fast, transparent and built around your schedule.
STEP 1
Apply for Home Loan Online
Visit the Manipal Fintech website, head to the Home Loan section and apply using your mobile number, OTP and a few basic details. It takes under 5 minutes.
STEP 2
Basic Assessment
Our expert team will call you to understand your requirement and run an initial eligibility assessment - so you know where you stand before any paperwork begins.
STEP 3
Submit Your Documents
Share your KYC, income proofs and property papers safely with our team through our secure channel like email or lending portal.
STEP 4
Loan Evaluation
We evaluate your profile across our partner network. The best matched lender verifies your details, confirms the offer with you and issues the sanction letter.
STEP 5
Loan Disbursed
Once paperwork and verification are complete, the loan amount is disbursed directly to your account, the builder, or your construction account. It’s time to unlock the door to your new home.
Anybody can apply and get a home who has a steady income - salaried or self-employed and a reasonable credit profile.
A quick way to estimate your eligibility: Banks typically allow your total EMIs (existing + new home loan) to be up to 50% of your monthly income. So if you earn ₹1,00,000 a month and have no existing loans, you can support roughly ₹50,000 as EMI - which translates to about ₹55-60 lakh as a 20-year home loan.
We've kept the documentation simple - most of these you already have. And our home loan advisor reviews everything before submission, so your application moves forward without delays.
Our home loan adviser reviews your documents before they go to the bank - so anything missing is caught early, not after the application is submitted.
Each document plays a specific role in your home loan approval. Knowing what each one does makes the process more transparent - and tells you what to keep ready before you apply.
The first thing any lender confirms is who you are. Your PAN card is mandatory across every home loan in India, along with one of the following: Aadhaar card, Voter ID, Passport, or Driving Licence. We accept all four - pick whichever is easiest to share.
This is what determines how much you can borrow. For salaried applicants, your last 3 salary slips, Form 16 and 6 months of bank statements show your earning pattern. For self-employed applicants, 3 years of ITRs, audited financial statements and bank statements serve the same purpose across a longer view. The cleaner and more consistent the income trail, the smoother the approval.
To verify where you live, which the lender needs for KYC and for any official correspondence over the loan tenure. Your Aadhaar usually doubles up as address proof - if your current address differs, a recent utility bill (electricity, water, or telephone) within the last 3 months works too.
For a home loan, the property itself is the security. The title deed confirms legal ownership and the No-Encumbrance Certificate confirms the property has no existing legal or financial claims against it. Together, these clear the way for the lender to fund the purchase with confidence. Get these in order before applying - incomplete property papers are the single most common reason home loan disbursals get delayed.
A signed application form with your photograph, a cancelled cheque for bank account verification and any supporting documents specific to your loan type (construction loan agreement, plot purchase papers, etc.). These finalise the application file and are typically the last set the lender asks for.
Why wait 15 years to save up when you can move in this year and pay over time? Your rent right now is paying off someone else's home - make it count toward your own.
Home loan rates (7.1%-10%) are roughly half the cost of personal loans (14%-18%) and significantly cheaper than business loans. For a large amount, there's simply no cheaper credit available.
Most other assets do not but a property in a tier-1 or tier-2 Indian city has historically appreciated at 6-10% per year. Your home loan is essentially a leveraged investment in an appreciating asset - one of the few legal ways for a salaried family to build long-term wealth.
Every year, for the full tenure. Under Section 80C (principal up to ₹1.5 lakh/year) and Section 24B (interest up to ₹2 lakh/year), a typical home loan saves a salaried family ₹70,000 to ₹1,00,000 in tax annually. Over a 20-year loan, that's ₹15-20 lakh in tax savings alone.
Years of on-time EMI payments create one of the strongest credit profiles you can have. Future loans - car, education, business - become cheaper because of your home loan history.
You're not locked in. Switch lenders if rates drop. Borrow more against your property when life needs it. Your home loan grows with you.
NOTE: We make sure you get the best offers by navigating you at every steps.
Whatever your budget, we have you covered. Pick the bracket closest to your need and see indicative EMIs
₹5 Lakh
Small or short term loans for Home improvement & renovation
₹10 Lakh
Affordable loans to build your own home in rural and towns.
₹20 Lakh
Upgrade your home or top-up on an existing house loan.
₹35 Lakh
Home loans for affordable housing and plots.
₹50 Lakh
Home Loans for 2BHK in metro cities or 3BHK in tier-2 cities
₹75+ Lakh
Loans for premium 2BHK in metro cities
Hear from business owners across India who found the right funding - without any delays.
Customer testimonials scroll automatically.
I'd been banking with the same bank for 11 years and assumed they'd give me the best home loan rate as their existing customer. They quoted me 9.1%. Manipal Fintech got me 7.8% from a different bank in the same week - that's ₹3.5 lakh saved over my 20-year loan. The whole process was online and my advisor Karthik kept me updated every day.
Rohit Sharma
Software Engineer, Bangalore
I’d been repaying my home loan smoothly through Manipal Fintech. When my daughter got admission to IIM Bangalore, I needed ₹22 lakh for fees and living costs. Instead of a personal loan at 13%, my advisor suggested a top-up on my existing home loan at 9.2%. Saved me about ₹3 lakh in interest over the tenure. The top-up was sanctioned in 4 days - barely any new paperwork
Anjali Krishnan
Pharmacist, Navi Mumbai
I'd been banking with the same bank for 11 years and assumed they'd give me the best home loan rate as their existing customer. They quoted me 9.1%. Manipal Fintech got me 7.8% from a different bank in the same week - that's ₹3.5 lakh saved over my 20-year loan. The whole process was online and my advisor Karthik kept me updated every day.
Rohit Sharma
Software Engineer, Bangalore
I’d been repaying my home loan smoothly through Manipal Fintech. When my daughter got admission to IIM Bangalore, I needed ₹22 lakh for fees and living costs. Instead of a personal loan at 13%, my advisor suggested a top-up on my existing home loan at 9.2%. Saved me about ₹3 lakh in interest over the tenure. The top-up was sanctioned in 4 days - barely any new paperwork
Anjali Krishnan
Pharmacist, Navi Mumbai
I'd been banking with the same bank for 11 years and assumed they'd give me the best home loan rate as their existing customer. They quoted me 9.1%. Manipal Fintech got me 7.8% from a different bank in the same week - that's ₹3.5 lakh saved over my 20-year loan. The whole process was online and my advisor Karthik kept me updated every day.
Rohit Sharma
Software Engineer, Bangalore
I’d been repaying my home loan smoothly through Manipal Fintech. When my daughter got admission to IIM Bangalore, I needed ₹22 lakh for fees and living costs. Instead of a personal loan at 13%, my advisor suggested a top-up on my existing home loan at 9.2%. Saved me about ₹3 lakh in interest over the tenure. The top-up was sanctioned in 4 days - barely any new paperwork
Anjali Krishnan
Pharmacist, Navi Mumbai
We got answers to your questions related to our personal lon offers.
Manipal Fintech provides a wide range of loans, including gold loans, personal loans, home loans, business loans, car loans, bike loans, and loans against property. Visit our loan services page to explore.
You can apply online through the Manipal Fintech website or mobile app. Our team assists with KYC, documentation, gold appraisal, and loan disbursement for a smooth process.
A gold loan allows you to pledge your gold as collateral to get instant funds. Manipal Fintech ensures secure, transparent gold valuation and quick approval with minimal paperwork.
All loans and financial services are powered by AI-driven technology, ensuring secure, transparent, and reliable transactions for every customer.
Yes. Manipal Fintech makes loan transfers easy, with minimal documentation and flexible repayment options to help you save on interest rates.
Yes. Manipal Fintech offers free tools such as credit score checks, EMI calculators, gold loan calculators, and expense management tools to help you make informed financial decisions. Check our tools & Calculators here.
You can quickly find the nearest gold assessment centre through our website or app or can contact our support team at 18003098440, for expert-backed, secure gold valuation and a hassle-free loan process.
Absolutely. The app is AI-powered and secure, allowing you to apply for loans, track finances, calculate EMIs, and manage your financial needs anytime, anywhere.
