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 Pune
Compare home loan interest rates from 40+ banks and housing finance companies lending in Pune (Poona). A major IT and auto/manufacturing hub (Hinjewadi, Kharadi, Chakan) with a growing metro network and lower prices than Mumbai, about three hours away. See rates, fees, popular localities, Maharashtra 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 Pune
*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 Pune
Lowest starting rates this month from lenders active in Pune.
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 Pune
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 →
Pune Home Market: What Buyers Should Know in 2026
Pune is a large, mid-income market. Sales held roughly flat over Jan–Sep 2026 (Knight Frank) after a 6% YoY dip in Q3 (Anarock). Demand centres on the IT belts in Hinjewadi and Kharadi, with metro lines making Pimpri-Chinchwad and the eastern suburbs more accessible.
15,690
residential sales, Q3 2026 (Jul–Sep)
-6% YoY18,730
new launches, Q3 2026 (Jul–Sep)
-3% YoY₹10,063/sq ft
avg. price, H1 2026 (Jan–Jun)
+5% YoY36,402
residential sales (9 months), Jan–Sep 2026
~flat YoYSource: Anarock; Knight Frank India.
Popular Areas to Buy a Home in Pune
Choose by budget, commute and employment hub, not just popularity.
| Area | Price (₹ / sq ft) | Connectivity | Best for |
|---|---|---|---|
| Kothrud | ₹14,400 (avg) | Pune Metro Aqua Line (Vanaz–Ramwadi); Paud Road | Established west Pune families |
| Viman Nagar | ₹12,700 (avg) | Next to Pune Airport; near Aqua Line (Ramwadi) | Frequent flyers and premium buyers in the east |
| Baner | ₹11,700 (avg) | Mumbai–Bengaluru Highway; Metro Line 3 (Hinjewadi–Shivajinagar) corridor | Professionals wanting lifestyle amenities near Hinjewadi |
| Hadapsar | ₹11,400 (avg) | Pune–Solapur Highway; near Magarpatta & SP Infocity | East Pune IT and services workforce |
| Kharadi | ₹11,150 (avg) | Pune–Ahmednagar Road; EON IT Park | IT professionals in East Pune |
| Hinjewadi | ₹8,200 (avg) | Rajiv Gandhi Infotech Park; Metro Line 3 (under construction/opening in phases) | Walk-to-work IT buyers and budget investors |
Indicative weighted-average rates from HomeBazaar (page dated 27 Oct 2026; charts Jan–Mar 2026). Wakad, Wagholi and Undri prices were not verified, so they are left out (only 6 localities).
Home Loan for Different Property Types in Pune
What lenders check before they fund each kind of property.
Ready to move
Full disbursal at registration. Lenders check the PMC-, PCMC- or PMRDA-approved plan, the occupancy certificate and the title.
Under construction
Paid in stages as the building rises. The project must be MahaRERA registered; check which banks have approved it.
Resale
Lenders verify the title chain, the 7/12 extract or property card, and the society share certificate and NOC.
Plot + construction
Most banks fund only NA (non-agricultural) plots in PMC/PCMC/PMRDA-approved layouts with a clear 7/12 extract; funding limits are usually lower than for flats.
RERA registration is not the same as bank approval.
Check a project on Maharashtra Real Estate Regulatory Authority (MahaRERA), then ask us which lenders have approved it.
Home Buying Costs in Pune
Maharashtra charges on a ₹1 crore home (male buyer)
Stamp Duty (7%)₹7,00,000
Registration (1% capped at ₹30,000)₹30,000
Total government charges₹7,30,000
Stamp-duty concession for women (Maharashtra): Women get 1% lower stamp duty on residential property, subject to state conditions.
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: 0.1% of the loan up to ₹5 lakh (minimum ₹100); above that, 0.3% of the loan, capped at ₹20 lakh.
Mortgage registration (if a registered deed is used): 1% of the loan amount, maximum ₹30,000. An equitable mortgage by deposit of title deeds needs no registration.
Also plan for the down payment, processing fee, legal & technical checks, mortgage registration (MODT), CERSAI and GST on under-construction homes.
Effective from 1 Apr 2022 · Source: IGR Maharashtra
Calculate stamp duty for your home →Pune Home Loan EMI Calculator
Starts at the lowest Pune 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 Maharashtra
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 ↗Pune
MHADA Pune Board lottery
Government-priced homes in Pune/PCMC allotted by periodic lottery: a 4,186-home draw was held in Feb 2026 and a 4,462-home lottery is due to be drawn in late Nov 2026.
Official scheme details ↗How to Apply for a Home Loan in Pune
- 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
Pune Home Loan FAQs
What is the lowest home loan interest rate in Pune?
Home loan rates in Pune 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 Pune?
Public sector banks, private banks and housing finance companies all lend in Pune, 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 Pune?
Lenders in Pune offer up to 32 years, limited by your age when the loan ends (usually 60–70 years).
PMC, PCMC or PMRDA: who approves my building in Pune?
PMC and PCMC sanction plans within their municipal limits, and PMRDA is the planning authority for the wider metropolitan region outside them. Check the commencement certificate (CC) and approved plan from the right authority.
What is a 7/12 extract and do I need it?
The 7/12 (Satbara) extract is Maharashtra's land record that shows ownership and land use. Lenders check it, along with NA (non-agricultural) permission, for plots and projects on newly converted land.
Is a Pune project's MahaRERA registration enough for a loan?
MahaRERA registration is the minimum. Banks also check title, the CC/OC and whether the project is on their approved list, and approved projects usually get faster sanction.
How much is stamp duty in Pune?
Pune's municipal areas (PMC and PCMC) pay 7% stamp duty: 5% duty, 1% local-body surcharge and 1% metro cess. Registration is 1%, capped at ₹30,000. Women buyers get a 1% concession.
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