Truhome Finance Home Loan: Rates, Eligibility & Fees 2026
Truhome Finance offers affordable home loans for purchase, construction, extensions, improvements, and balance transfers, with a focus on self employed borrowers. Butter Money helps you compare suitable options and apply with clear, trusted guidance. Apply confidently.
Interest Rate
9.50%
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 · Truhome Finance's official rates
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What stands out with Truhome Finance
- Tenure up to 30 years
- Home purchase financing
- Construction finance
- Home extension option
- Home improvement option
- Balance transfer facility
- Up to 90% LTV
Truhome Finance home loan at a glance
| Lender type | Housing finance company |
| Starting rate | 9.50% 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 |
Truhome 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 | 9.50% onwards | 9.50% onwards |
| 700–749 | 11.00% onwards | 11.00% onwards |
| 750–799 | 10.00% onwards | 10.00% 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 Truhome Finance Schemes
Find the right Truhome Finance product for your needs
| Scheme Name | Best Suited For | Interest Rate |
|---|---|---|
| Home Purchase Loan | Buying a home | Profile based |
| Home Construction Loan | New plot + construction | 9.50% onwards |
| Home Improvement / Renovation | Repairs and upgrades | Profile based |
| Balance Transfer | Existing home loan transfer | 9.50% onwards |
Truhome Finance vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| Truhome Finance (this page) | Housing finance company | 9.50% onwards |
| Godrej Finance | Housing finance company | 8.34% onwards |
| Mahindra Finance | Housing finance company | 8.00% onwards |
| TATA Capital | NBFC | 7.60% onwards |
Truhome 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 Truhome Finance's rates.
Illustrative calculation based on the selected rate. The rate defaults to 9.5% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh Truhome Finance home loan over 20 years at 9.50% costs ₹46,607 a month, or ₹61,85,574 in total interest. Every 0.25% higher adds about ₹819 a month.
Truhome Finance Home Loan FAQs
What is the Truhome Finance home loan interest rate?
Truhome Finance home loan rates start at 9.50% 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 Truhome Finance home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow Truhome Finance to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will Truhome Finance fund?
Truhome 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 current product page lists a maximum tenure of 300 months, or 25 years.
What CIBIL score is preferred?
A stronger credit profile supports better pricing and eligibility.
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 Truhome Finance?
Yes. Balance transfer is available for eligible borrowers.
Rates updated 11 Aug 2026 from Butter's lender rate data. Final terms are set by Truhome Finance at sanction. Source: Truhome Finance.