Bank of India
7.10% p.a. onwards
Max tenure 30 yrsFee 0.25% of loan amount (min ₹1,500, max ₹20,000)
Home Loan in Delhi NCR
Compare home loan interest rates from 40+ banks and housing finance companies lending in Delhi NCR. The capital region's large employment base (Cyber City, Noida IT/ITeS, government and services), backed by the Dwarka Expressway, Namo Bharat RRTS and Noida International Airport. See rates, fees, popular localities, Delhi, Haryana & Uttar Pradesh stamp duty and EMI before you choose, and Butter Money handles the paperwork until disbursal.
- 40+ Lenders
- Competitive Rates
- Expert Assistance
%
Rates from
7.10%
p.a.*
Max tenure
32 yrs
most lenders
Max funding
90%
loans up to ₹30 L
Lenders
32
in Delhi NCR
*Lowest advertised rate across lenders · Rates updated 3 Nov 2026 · Final pricing depends on your credit profile, income, loan amount and property.
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Top Home Loan Offers in Delhi NCR
Lowest starting rates this month from lenders active in Delhi NCR.
LIC Housing Finance
7.15% p.a. onwards
Max tenure 30 yrsFee ₹15,000 + GST
Union Bank of India
7.15% p.a. onwards
Max tenure 30 yrsFee ₹10,000 + GST
Bajaj Housing Finance
7.20% p.a. onwards
Max tenure 30 yrsFee ₹5,000 + GST
Compare Home Loan Rates in Delhi NCR
Indicative starting rates, fees and funding limits · updated 3 Nov 2026
| Lender | Rate (p.a.) | Processing fee | Max tenure | Max LTV | Action |
|---|---|---|---|---|---|
| Bank of IndiaPublic sector bank | 7.10% | 0.25% of loan amount (min ₹1,500, max ₹20,000) | 30 yrs | 75% | Check → |
| LIC Housing FinanceHousing finance company | 7.15% | ₹15,000 + GST | 30 yrs | 90% | Check → |
| Union Bank of IndiaPublic sector bank | 7.15% | ₹10,000 + GST | 30 yrs | 75% | Check → |
| Bajaj Housing FinanceHousing finance company | 7.20% | ₹5,000 + GST | 30 yrs | 90% | Check → |
| Canara BankPublic sector bank | 7.20% | ₹10,000 + GST | 30 yrs | 75% | Check → |
| Central Bank of IndiaPublic sector bank | 7.20% | ₹10,000 + GST | 30 yrs | 75% | Check → |
| Punjab National BankPublic sector bank | 7.20% | ₹5,000 + GST | 30 yrs | 75% | Check → |
| Bank of MaharashtraPublic sector bank | 7.25% | Nil | 30 yrs | 75% | Check → |
| Federal BankPrivate bank | 7.25% | ₹20,000 + GST | 30 yrs | 85% | Check → |
| South Indian BankPrivate bank | 7.25% | ₹15,000 + GST | 30 yrs | 80% | Check → |
| Punjab & Sind BankPublic sector bank | 7.30% | 0.10% of loan amount | 30 yrs | 75% | Check → |
| Axis BankPrivate bank | 7.35% | ₹10,000 + GST | 30 yrs | 80% | Check → |
| Bank of BarodaPublic sector bank | 7.35% | ₹4,130 + GST | 30 yrs | 75% | Check → |
| IDBI BankPrivate bank | 7.35% | ₹15,000 + GST | 30 yrs | 75% | Check → |
| ICICI BankPrivate bank | 7.40% | ₹5,000 + GST | 30 yrs | 80% | Check → |
| HDFC BankPrivate bank | 7.45% | ₹10,550 + GST | 30 yrs | 88% | Check → |
| HSBC BankForeign bank | 7.45% | ₹10,000 + GST | 25 yrs | 80% | Check → |
| State Bank of IndiaPublic sector bank | 7.50% | Salaried customer max: ₹15,000 + GST | 30 yrs | 75% | Check → |
| TATA CapitalNBFC | 7.60% | ₹12,000 + GST | 30 yrs | 90% | Check → |
| L&T FinanceNBFC | 7.65% | ₹10,000 + GST | 30 yrs | 75% | Check → |
| IDFC FIRST BankPrivate bank | 7.75% | 1.50% + GST | 32 yrs | 80% | Check → |
| Mahindra FinanceHousing finance company | 8.00% | 0.50% + GST | 30 yrs | 80% | Check → |
| Godrej FinanceHousing finance company | 8.34% | ₹11,000 + GST | 30 yrs | 80% | Check → |
| YES BankPrivate bank | 8.35% | ₹5,000 + GST | 30 yrs | 80% | Check → |
| IndusInd BankPrivate bank | 8.45% | 0.125% of loan amount + GST | 30 yrs | 90% | Check → |
| Navi FinservNBFC | 8.45% | ₹0 + GST | 30 yrs | 90% | Check → |
| DBS BankForeign bank | 8.70% | ₹10,000 + GST | 30 yrs | 90% | Check → |
| Truhome FinanceHousing finance company | 9.50% | 1% + GST | 30 yrs | 80% | Check → |
| Piramal FinanceNBFC | 9.90% | 1% + GST | 30 yrs | 80% | Check → |
| Utkarsh Small Finance BankSmall finance bank | 11.00% | 0.10% of loan amount | 30 yrs | 75% | Check → |
| Vridhi FinservHousing finance company | 12.00% | — | 30 yrs | 75% | Check → |
| Vastu Housing FinanceHousing finance company | 12.50% | ₹3,000 + GST | 20 yrs | 80% | Check → |
LTV shown within RBI limits: up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh.Compare all lenders →
Delhi NCR Home Market: What Buyers Should Know in 2026
NCR sales volumes dipped in 2026 (Knight Frank: -11% YoY for Jan–Sep), but prices kept rising, up 12% YoY in Q3 per Anarock, as demand moved to premium projects. Supply under ₹1 crore in Gurugram and Noida is largely absorbed, so budget buyers are looking at Greater Noida West, the Yamuna Expressway, Ghaziabad and Faridabad.
13,765
residential sales, Q3 2026 (Jul–Sep)
-1% YoY10,900
new launches, Q3 2026 (Jul–Sep)
-14% YoY₹18,354 / ₹15,109 per sq ft
avg. price — gurugram / noida, H1 2026 (Jan–Jun)
+6% / +8% YoYSource: Anarock; Knight Frank India.
Popular Areas to Buy a Home in Delhi NCR
Choose by budget, commute and employment hub, not just popularity.
| Area | Price (₹ / sq ft) | Connectivity | Best for |
|---|---|---|---|
| Golf Course Extension Road, Gurugram | ₹17,000–23,000 (avg ~₹19,300) | Southern Peripheral Road; Sohna Road; near Golf Course Road | Luxury and premium buyers |
| Dwarka Expressway, Gurugram | ~₹13,600 (avg) | 8-lane Dwarka Expressway to IGI Airport and Delhi | Airport-commuting professionals; new launches |
| New Gurgaon / Sohna | ₹11,150–12,200 (avg) | Sohna Elevated Road; Delhi–Mumbai Expressway link | Value buyers in Gurugram |
| Noida Expressway | ~₹12,800 (avg) | Noida–Greater Noida Expressway; Aqua Line metro | IT/ITeS professionals in Noida |
| Greater Noida West (Noida Extension) | ~₹8,700–8,750 (avg asking) | FNG Expressway; proposed Aqua Line extension | First-time buyers in the affordable mid-segment |
| Yamuna Expressway | ~₹9,800 (avg) | Yamuna Expressway; Noida International Airport (Jewar) | Long-term investors (airport corridor) |
| Ghaziabad | ₹9,668 (submarket avg) | Namo Bharat RRTS (Delhi–Meerut); Delhi Metro Red & Blue lines | Budget buyers commuting to East Delhi and Noida |
| Faridabad | ₹8,370 (submarket avg) | Delhi Metro Violet Line; Delhi–Mumbai Expressway spur | Affordable homes near South Delhi |
Indicative average asking prices from Square Yards locality pages (Nov 2026) for the Gurugram and Noida corridors; Ghaziabad and Faridabad are Knight Frank H1 2026 submarket weighted averages. Portal figures, not transaction data.
Home Loan for Different Property Types in Delhi NCR
What lenders check before they fund each kind of property.
Ready to move
Full disbursal at registration. Lenders check the occupancy (or completion) certificate, the conveyance or sale deed and the title.
Under construction
Paid in stages as the building rises. The project must be registered with HRERA (Gurugram), UP-RERA (Noida, Greater Noida, Ghaziabad) or Delhi RERA; check which banks have approved it.
Resale
Lenders verify the title chain. On leasehold land (DDA, Noida or Greater Noida authority) they also check the freehold conversion or the authority's transfer memorandum in the seller's name.
Plot + construction
Banks generally fund plots in authorised colonies and DTCP-licensed or authority (HSVP, Noida, YEIDA) sectors; Lal Dora and unauthorised-colony land is hard to finance, and funding limits are usually lower than for flats.
RERA registration is not the same as bank approval.
Check a project on Real Estate Regulatory Authority, Delhi (Delhi RERA), then ask us which lenders have approved it.
Home Buying Costs in Delhi NCR
Delhi, Haryana & Uttar Pradesh charges on a ₹1 crore home (male buyer)
Delhi
Stamp Duty (6%)₹6,00,000
Registration (1%)₹1,00,000
Total government charges₹7,00,000
Lower stamp duty for women — Delhi: Women pay 4% stamp duty versus 6% for men on property registered in their name.
Lower stamp duty for women — Haryana: Women pay about 2 percentage points less stamp duty than men (e.g. 5% vs 7% in urban areas).
1% stamp-duty rebate for women — Uttar Pradesh: Approved by the UP cabinet in Jul 2025: 1% stamp-duty concession on property worth up to ₹1 crore registered in a woman's name.
CERSAI registration: One-time fee when the lender records the mortgage on CERSAI: ₹50 for loans up to ₹5 lakh, ₹100 above (plus GST).
GST on under-construction homes: 1% for affordable housing (up to 60 sq m carpet in metros / 90 sq m elsewhere and value up to ₹45 lakh), 5% for other homes; no GST on ready homes with an occupancy certificate.
Legal & technical checks: Lenders usually charge a small one-time fee for an independent title check and a property valuation; it varies by lender and is sometimes part of the processing fee.
Mortgage (MODT) stamp duty — Delhi: 0.5% of the loan, maximum ₹50,000, for a loan repayable over more than three months.
Mortgage (MODT) stamp duty — Haryana (Gurugram, Faridabad): 0.2445% of the loan for a loan repayable over more than three months (deposit of title deeds / equitable mortgage).
Registered mortgage deed without possession — Haryana: 1.5% stamp duty, if the lender asks for a registered mortgage deed instead of a deposit of title deeds.
Mortgage (MODT) stamp duty — UP (Noida, Greater Noida, Ghaziabad): ₹5 for every ₹1,000 of the loan (0.5%), maximum ₹10,000, for a loan repayable over more than three months.
Also plan for the down payment, processing fee, legal & technical checks, mortgage registration (MODT), CERSAI and GST on under-construction homes.
Calculate stamp duty for your home →Delhi NCR Home Loan EMI Calculator
Starts at the lowest Delhi NCR rate. Move the sliders to see how the loan amount, rate and tenure change your EMI.
₹1,00,00,000
₹10,00,000₹10,00,00,000
%7.1
6%20%
Yrs15
1 Yr30 Yrs
YOUR MONTHLY EMI
₹90,443
for 15 years at 7.1% p.a.
Principal amount
₹1,00,00,000
Total interest
₹62,79,709
Total amount payable₹1,62,79,709
Illustrative calculation based on the selected rate. The rate defaults to 7.1% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
Home Loan & Housing Schemes in Delhi, Haryana & Uttar Pradesh
Central
PMAY-U 2.0 interest subsidy
Eligible EWS/LIG/MIG households can get an interest subsidy on their first home loan. Check current eligibility before applying.
Official scheme details ↗Delhi NCR
DDA housing schemes (Delhi)
DDA sells ready flats, often at discounts. The 2026 Karmajeevi Awaas Yojana offered 1,224 Narela flats at 25% off (first-come-first-served), and the Nagrik Awaas Yojana 2026 was also launched.
Official scheme details ↗How to Apply for a Home Loan in Delhi NCR
- 1
Check eligibility
Soft check, no CIBIL impact
- 2
Compare lenders
Offers from 40+ lenders
- 3
Shortlist property
RERA, title and local approvals
- 4
Submit documents
Digital, one upload
- 5
Sanction & disbursal
Legal and technical check, then disbursal
Delhi NCR Home Loan FAQs
What is the lowest home loan interest rate in Delhi NCR?
Home loan rates in Delhi NCR start from 7.10% p.a. (Bank of India) as of 3 Nov 2026. Your rate depends on your CIBIL score, income, loan amount and the property.
Which banks give home loans in Delhi NCR?
Public sector banks, private banks and housing finance companies all lend in Delhi NCR, including Bank of India, LIC Housing Finance, Union Bank of India, Bajaj Housing Finance, Canara Bank, Central Bank of India. Butter Money compares 32 lenders for your profile.
What is the maximum home loan tenure in Delhi NCR?
Lenders in Delhi NCR offer up to 32 years, limited by your age when the loan ends (usually 60–70 years).
Noida land is leasehold. What does that mean for resale buyers?
Noida and Greater Noida authorities lease land to developers, so a resale needs a transfer memorandum (TM) from the authority. The TM charge is currently 2.5% of the original allotment price for allotments after Sep 2021, with higher rates for older allotments.
Which RERA applies to my NCR property?
It depends on the state the project is in: Delhi RERA for Delhi, HRERA for Gurugram and Faridabad, and UP-RERA for Noida, Greater Noida and Ghaziabad. Check the project's registration on the right portal before booking.
Why is stamp duty different in Gurugram, Noida and Delhi?
Each state sets its own stamp duty: Delhi charges 6% (4% for women), Haryana up to 7% in urban areas (2% less for women), and UP 7% (1% rebate for women up to ₹1 crore). Registration fees are extra.
Do banks finance stalled or delayed NCR projects?
Lenders usually avoid projects with stalled construction, unpaid authority dues or insolvency proceedings. Check the project's RERA status, any authority dues, and whether the bank has approved the project before booking.
Ready to Find Your Home Loan in Delhi NCR?
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