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 Hyderabad
Compare home loan interest rates from 40+ banks and housing finance companies lending in Hyderabad (Secunderabad). A major IT and GCC hub (HITEC City, Financial District) with the ORR, metro and lower prices than Bengaluru or Mumbai for similar jobs. See rates, fees, popular localities, Telangana 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 Hyderabad
*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 Hyderabad
Lowest starting rates this month from lenders active in Hyderabad.
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 Hyderabad
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 →
Hyderabad Home Market: What Buyers Should Know in 2026
Hyderabad had the sharpest rebound in Q3 2026: sales rose 15% YoY and launches more than doubled (+120%) per Anarock. Most new supply is in premium projects in the western IT corridor (Gachibowli, Kokapet, Tellapur), while the north and east still offer cheaper entry points.
12,970
residential sales, Q3 2026 (Jul–Sep)
+15% YoY18,950
new launches, Q3 2026 (Jul–Sep)
+120% YoY₹8,258/sq ft
avg. price, H1 2026 (Jan–Jun)
+7% YoY19,249
residential sales (half-year), H1 2026 (Jan–Jun)
+1% YoYSource: Anarock; Knight Frank India.
Popular Areas to Buy a Home in Hyderabad
Choose by budget, commute and employment hub, not just popularity.
| Area | Price (₹ / sq ft) | Connectivity | Best for |
|---|---|---|---|
| Gachibowli | ~₹12,450 (avg) | ORR; next to HITEC City and Financial District | IT professionals; strong rental demand |
| Financial District / Nanakramguda | ~₹10,650 (avg) | ORR; walk-to-work for large IT/BFSI campuses | Senior tech and BFSI professionals |
| Kokapet / Neopolis | ~₹12,000 (avg) | ORR exit; close to Financial District | Luxury and high-rise buyers |
| Tellapur / Nallagandla | ₹9,750–11,650 (avg) | ORR; near Gachibowli | Families wanting gated communities near the IT hub |
| Miyapur | ~₹8,500 (avg) | Metro Red Line terminus; NH 65 | Budget buyers with metro access |
| Bachupally | ~₹6,500 (avg) | Near Miyapur and ORR | First-time buyers in the north-west |
| Kompally | ~₹6,750 (avg) | NH 44 (Nagpur highway); ORR | Villas, plots and mid-segment families in the north |
| Uppal | ~₹6,250 (avg) | Metro Blue Line; Warangal Highway (NH 163) | Affordable homes in East Hyderabad |
Indicative average asking prices from Square Yards locality pages (Nov 2026). Portal figures, not transaction data.
Home Loan for Different Property Types in Hyderabad
What lenders check before they fund each kind of property.
Ready to move
Full disbursal at registration. Lenders check the GHMC or HMDA building permission, the occupancy certificate and the title.
Under construction
Paid in stages as the building rises. The project must be registered with Telangana RERA (TG RERA); check which banks have approved it.
Resale
Lenders verify the link documents, the encumbrance certificate and that property tax and mutation are in the seller's name.
Plot + construction
Most banks fund only plots in HMDA- or DTCP-approved layouts (or regularised under LRS) that sit clear of lake FTL and buffer zones; funding limits are usually lower than for flats.
RERA registration is not the same as bank approval.
Check a project on Telangana Real Estate Regulatory Authority (TG RERA), then ask us which lenders have approved it.
Home Buying Costs in Hyderabad
Telangana charges on a ₹1 crore home (male buyer)
Stamp Duty (5.5%)₹5,50,000
Transfer Duty (1.5%)₹1,50,000
Registration (0.5%)₹50,000
Total government charges₹7,50,000
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: 0.5% of the loan, maximum ₹50,000.
Mortgage registration: 0.1% of the loan, maximum ₹10,000.
Also plan for the down payment, processing fee, legal & technical checks, mortgage registration (MODT), CERSAI and GST on under-construction homes.
Effective from 22 Jul 2021 · Source: Registration & Stamps Department, Telangana (G.O.Ms.No.59)
Calculate stamp duty for your home →Hyderabad Home Loan EMI Calculator
Starts at the lowest Hyderabad 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 Telangana
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 ↗Hyderabad
Rajiv Swagruha / HMDA flat sales
The state sells unsold government-built Swagruha flats (e.g. Bandlaguda, Pocharam) at fixed prices or by auction through HMDA/Swagruha Corporation; offers vary by round.
Official scheme details ↗Telangana
Telangana Housing Board flats
The housing board periodically offers LIG/MIG flats in Hyderabad (e.g. LIG flats announced Dec 2025).
Official scheme details ↗Telangana
Indiramma Indlu
State scheme giving financial assistance to eligible poor households to build a house on their own plot; not a market-purchase scheme.
Official scheme details ↗How to Apply for a Home Loan in Hyderabad
- 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
Hyderabad Home Loan FAQs
What is the lowest home loan interest rate in Hyderabad?
Home loan rates in Hyderabad 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 Hyderabad?
Public sector banks, private banks and housing finance companies all lend in Hyderabad, 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 Hyderabad?
Lenders in Hyderabad offer up to 32 years, limited by your age when the loan ends (usually 60–70 years).
HMDA, GHMC or DTCP approval: which one should my property have?
GHMC approves building plans within the corporation limits, HMDA approves layouts and buildings across the wider metropolitan region, and DTCP covers areas outside HMDA. Banks lend only on layouts or buildings approved by the relevant authority.
What are FTL and buffer-zone checks in Hyderabad?
Properties inside a lake's Full Tank Level (FTL) or buffer zone face demolition and enforcement risk, including from HYDRAA. Check the location against FTL maps before buying, because lenders avoid such properties.
Is LRS (Layout Regularisation Scheme) approval enough for a plot loan?
LRS regularises plots in unapproved layouts, but lender policies vary. Many banks still prefer HMDA/DTCP-approved layouts, so confirm with the lender before buying a regularised plot.
How do I verify a Hyderabad project's RERA registration?
Search for the project on the TG RERA portal (rera.telangana.gov.in). Pre-launch 'UDS' sales of projects not registered with RERA are risky and usually can't be financed.
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