Piramal Finance Home Loan: Rates, Eligibility & Fees 2026
Piramal Finance offers home loans for purchase, construction, top ups, and balance transfers, with solutions for salaried and self employed borrowers. Butter Money helps you compare suitable choices and apply with simple, dependable support. Apply confidently.
Interest Rate
9.90%
p.a. onwards
Processing Fee
1%
+ GST
Max Tenure
30 Years
Max LTV
Up to 80%
Rates updated 11 Aug 2026 from Butter's lender rate data · Piramal Finance's official rates
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What stands out with Piramal Finance
- Tenure up to 30 years
- Home purchase financing
- Construction finance
- Balance transfer option
- Top-up funding available
- Salaried & self-employed options
- Up to 30-year tenure
Piramal Finance home loan at a glance
| Lender type | NBFC |
| Starting rate | 9.90% 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 |
Piramal 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 | 9.90% onwards | 10.10% onwards |
| 700–749 | 10.30% onwards | 11.00% onwards |
| 750–799 | 10.10% onwards | 10.80% 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
Popular Piramal Finance Schemes
Find the right Piramal Finance product for your needs
| Scheme Name | Best Suited For | Interest Rate |
|---|---|---|
| Home Loan | Home purchase or construction | Profile based |
| Home Loan Balance Transfer | Existing home loan transfer | 9.90% onwards |
| Top-Up Loan | Additional funding | Profile based |
Piramal Finance vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| Piramal Finance (this page) | NBFC | 9.90% onwards |
| Navi Finserv | NBFC | 8.45% onwards |
| Vridhi Finserv | Housing finance company | 12.00% onwards |
| L&T Finance | NBFC | 7.65% onwards |
Piramal 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 Piramal Finance's rates.
Illustrative calculation based on the selected rate. The rate defaults to 9.9% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh Piramal Finance home loan over 20 years at 9.90% costs ₹47,920 a month, or ₹65,00,867 in total interest. Every 0.25% higher adds about ₹829 a month.
Piramal Finance Home Loan FAQs
What is the Piramal Finance home loan interest rate?
Piramal Finance home loan rates start at 9.90% 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 Piramal Finance home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow Piramal Finance to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will Piramal Finance fund?
Piramal 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.
What is the maximum home loan tenure?
The maximum tenure is 30 years.
What CIBIL score is preferred?
A 700+ CIBIL score is preferred for competitive pricing.
What documents are required?
KYC, income and property documents are required as listed in the Documents tab.
Can I transfer my existing home loan to Piramal Finance?
Yes. Home loan balance transfer is available for eligible borrowers.
Rates updated 11 Aug 2026 from Butter's lender rate data. Final terms are set by Piramal Finance at sanction. Source: Piramal Finance.