Is checking eligibility going to hurt my CIBIL score?

When you apply directly to multiple banks, each one runs a hard CIBIL check, which can drop your score by 20 to 40 points and hurt the very rates you're trying to compare. Butter Money doesn't pull your CIBIL during the eligibility check. We use your self-reported score, which you can check for free on apps like GPay, CRED, or the official CIBIL site, to match you with the right lenders. A hard CIBIL check happens only once: when you choose a specific lender and submit a formal application.

Is your service really free? What's the catch?

Yes, free for borrowers. The lender pays us a referral fee only after your loan is disbursed. Our advisors are compensated on borrower satisfaction scores, not on which lender pays the highest commission. So the lender fee doesn't influence our recommendation.

How is this different from BankBazaar or Paisabazaar?

Aggregators send your number to multiple banks, who then call you in parallel. You do all the comparison work yourself. We assign one dedicated advisor who shortlists 3 to 5 lenders for your specific profile, flags hidden charges, and stays with you till disbursal. Your number goes to a lender only after you've chosen them.

How long does the whole process take?

For salaried applicants: 7 to 12 working days from application to sanction. For self-employed and business owners: 12 to 15 days, because the documentation review is heavier.

What documents will I need?

Salaried: PAN, Aadhaar, last 3 months' salary slips, last 6 months' bank statements, Form 16, and property documents if finalised. Self-employed: same as above, plus ITRs for the last 2 to 3 years and business proof. Your advisor will share a personalised checklist after the eligibility check.

New Home Loan | Smart Home Financing

How It Works

From eligibility check to final disbursal, we handle the heavy lifting.

Check your eligibility
Enter basic details and instantly see your loan eligibility, EMI, and matching lenders.
Get the Best and Lowest Rate
We show you which banks will approve you and where you can get the lowest negotiated rate.
Loan Disbursal & Approval
We coordinate with the bank to ensure faster approval and smooth disbursal without back-and-forth.
Enjoy Stepping Into Your New Home
Track your loan, explore better rates, and get ongoing support from your advisor.

Top Home Loan Rates From Top Banks

Updated daily with competitive rates, flexible tenure options, and trusted lender offers.

Canara Bank

Minimum

7.10 %

Maximum

8.50 %

HDFC Bank

Minimum

7.15 %

Maximum

8.65 %

Bank of Baroda

Minimum

7.15 %

Maximum

8.50 %

Bank of India

Minimum

7.15 %

Maximum

8.50 %

Bajaj Housing Finance

Minimum

7.20 %

Maximum

8.50 %

Punjab & Sind Bank

Minimum

7.20 %

Maximum

8.50 %

State Bank of India

Minimum

7.25 %

Maximum

8.45 %

ICICI Bank

Minimum

7.40 %

Maximum

8.00 %

Federal Bank

Minimum

7.45 %

Maximum

8.05 %

Axis Bank

Minimum

7.30 %

Maximum

8.00 %

Tata Capital

Minimum

7.50 %

Maximum

8.50 %

South Indian Bank

Minimum

7.50 %

Maximum

8.50 %

IndusInd Bank

Minimum

7.80 %

Maximum

8.50 %

Piramal Finance

Minimum

9.90 %

Maximum

13.00 %

Vridhi Finserv

Minimum

12.00 %

Maximum

16.50 %

Bank	Starting Rate ↑	Max Rate	Tenure	Best For
Canara Bank	7.10%	8.50%	30 yrs	Women borrowers & concession on ROI
HDFC Bank	7.15%	8.65%	30 yrs	Salaried & self-employed professionals
Bank of Baroda	7.15%	8.50%	30 yrs	Government employees & defense personnel
Bank of India	7.15%	8.50%	30 yrs	Affordable housing & PMAY applicants
Bajaj Housing Finance	7.20%	8.50%	32 yrs	Fast digital approval & high LTV
Punjab & Sind Bank	7.20%	8.50%	30 yrs	Low processing fee & agricultural income
State Bank of India	7.25%	8.45%	30 yrs	Defence personnel & ESG green homes
Axis Bank	7.30%	8.00%	30 yrs	12 EMI waiver scheme & long tenure
ICICI Bank	7.40%	8.00%	30 yrs	Pre-approved instant sanction
Federal Bank	7.45%	8.05%	30 yrs	NRIs & high net worth individuals
Tata Capital	7.50%	8.50%	30 yrs	Custom flexible repayment options
South Indian Bank	7.50%	8.50%	30 yrs	Tier-2 & Tier-3 property buyers
IndusInd Bank	7.80%	8.50%	30 yrs	Self-employed with informal income proof
Piramal Finance	9.90%	13.00%	30 yrs	Flexible eligibility & personalized solutions
Vridhi Finserv	12.00%	16.50%	30 yrs	Self-employed friendly & flexible assessment

SBI

Loan Amount

₹65L

Your Dream Home Deserves The Right Home Loan

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See How Much Home Loan You Can Afford

Based On Your Profile

Why Choose Butter Money

Compare 40+ Lenders

Compare 40+ Lenders

Better Matches

Better Matches

Dedicated Loan Advisor

Dedicated Loan Advisor

Bank Coordination

Bank Coordination

Better Approval Chances

Better Approval Chances

End-to-End Support

End-to-End Support

How It Works

Check your eligibility

Get the Best and Lowest Rate

Loan Disbursal & Approval

Enjoy Stepping Into Your New Home

Top Home Loan Rates From Top Banks

Real outcomes. Real numbers.

Ravi K.

Sneha M.

Arjun P.

Ravi K.

Sneha M.

Arjun P.

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