Vridhi Finserv Home Loan: Rates, Eligibility & Fees 2026
Vridhi Home Finance provides affordable loans for home purchase, construction, expansion, renovation, and balance transfers, including underserved borrowers. Butter Money helps you review suitable options and apply with clear, dependable assistance from start to finish. Apply confidently.
Interest Rate
12.00%
p.a. onwards
Max Tenure
30 Years
Max LTV
Up to 75%
Rates updated 18 Jun 2026 from Butter's lender rate data · Vridhi Finserv's official rates
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What stands out with Vridhi Finserv
- 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
Vridhi Finserv home loan at a glance
| Lender type | Housing finance company |
| Starting rate | 12.00% p.a. onwards |
| Products | Home loan, Plot, Construction, Balance transfer |
| Funding (LTV) | Up to 75% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
Vridhi Finserv Interest Rates, June 2026
By product, CIBIL score & applicant type
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 12.00% onwards | 12.00% onwards |
| 650–699 | 15.00% onwards | 15.00% onwards |
| 700–749 | 13.00% onwards | 13.00% onwards |
| 750–799 | 12.00% onwards | 12.00% onwards |
| Below 650 | 16.00% onwards | 16.00% onwards |
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 12.50% onwards | 12.50% onwards |
| 650–699 | 15.50% onwards | 15.50% onwards |
| 700–749 | 13.50% onwards | 13.50% onwards |
| 750–799 | 12.50% onwards | 12.50% onwards |
| Below 650 | 16.50% onwards | 16.50% onwards |
Starting rates for each CIBIL band. Your final rate also depends on the loan amount, property and profile. Updated 18 Jun 2026.
Fees & Charges
Popular Vridhi Finserv Schemes
Find the right Vridhi Finserv product for your needs
| Scheme Name | Best Suited For | Interest Rate |
|---|---|---|
| Fresh Home Loan | Home purchase or construction | 12.00% onwards |
| Home Construction Loan | House construction | 12.50% onwards |
| Balance Transfer | Existing home loan transfer | 12.50% onwards |
| Top-Up Loan | Additional funding | Profile based |
Vridhi Finserv vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| Vridhi Finserv (this page) | Housing finance company | 12.00% onwards |
| Vastu Housing Finance | Housing finance company | 12.50% onwards |
| Piramal Finance | NBFC | 9.90% onwards |
| Navi Finserv | NBFC | 8.45% onwards |
Vridhi Finserv 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 Vridhi Finserv's rates.
Illustrative calculation based on the selected rate. The rate defaults to 12% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh Vridhi Finserv home loan over 20 years at 12.00% costs ₹55,054 a month, or ₹82,13,034 in total interest. Every 0.25% higher adds about ₹874 a month.
Vridhi Finserv Home Loan FAQs
What is the Vridhi Finserv home loan interest rate?
Vridhi Finserv home loan rates start at 12.00% 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 Vridhi Finserv home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow Vridhi Finserv to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will Vridhi Finserv fund?
Vridhi Finserv funds up to 75% 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?
Higher CIBIL scores receive the lower published rate bands shown above.
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 Vridhi Finserv?
Yes. Balance transfer is available subject to lender eligibility and property checks.
Rates updated 18 Jun 2026 from Butter's lender rate data. Final terms are set by Vridhi Finserv at sanction. Source: Vridhi Finserv.