Godrej Finance Home Loan: Rates, Eligibility & Fees 2026
Godrej Finance offers home loans to buy, build or renovate a home. Butter Money compares Godrej Finance's offer with similar lenders for your profile and handles the paperwork with you until disbursal.
Interest Rate
8.34%
p.a. onwards
Processing Fee
₹11,000
+ GST
Max Tenure
30 Years
Max LTV
Up to 80%
Rates updated 11 Aug 2026 from Butter's lender rate data · Godrej Finance's official rates
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What stands out with Godrej Finance
- Home loans for NRIs buying in India
- Tenure up to 30 years
Godrej Finance home loan at a glance
| Lender type | Housing finance company |
| Starting rate | 8.34% p.a. onwards |
| Products | Home loan, Plot, Construction, Balance transfer |
| Funding (LTV) | Up to 80% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
| NRI loans | Available |
Godrej Finance Interest Rates, August 2026
By product, CIBIL score & applicant type
Home loan · Plot · Construction · Balance transfer
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 8.34% onwards | 8.34% onwards |
| 650–699 | 8.60% onwards | 8.60% onwards |
| 700–749 | 8.44% onwards | 8.44% onwards |
| 750–799 | 8.34% onwards | 8.34% onwards |
| Below 650 | 9.14% onwards | 9.14% onwards |
Starting rates for each CIBIL band. Your final rate also depends on the loan amount, property and profile. Updated 11 Aug 2026.
Fees & Charges
Godrej Finance vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| Godrej Finance (this page) | Housing finance company | 8.34% onwards |
| Mahindra Finance | Housing finance company | 8.00% onwards |
| TATA Capital | NBFC | 7.60% onwards |
| Bajaj Housing Finance | Housing finance company | 7.20% onwards |
Godrej Finance Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at Godrej Finance's rates.
Illustrative calculation based on the selected rate. The rate defaults to 8.34% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh Godrej Finance home loan over 20 years at 8.34% costs ₹42,886 a month, or ₹52,92,679 in total interest. Every 0.25% higher adds about ₹790 a month.
Godrej Finance Home Loan FAQs
What is the Godrej Finance home loan interest rate?
Godrej Finance home loan rates start at 8.34% p.a. for the strongest credit profiles and rise for lower CIBIL scores. Your final rate also depends on the loan amount, property and income.
Can I prepay my Godrej Finance home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow Godrej Finance to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will Godrej Finance fund?
Godrej Finance funds up to 80% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
Rates updated 11 Aug 2026 from Butter's lender rate data. Final terms are set by Godrej Finance at sanction. Source: Godrej Finance.