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Sammaan Capital Limited (formerly Indiabulls Housing Finance), a leading NBFC, offers home loans up to ₹5 crore for purchase, construction, renovation, or balance transfer with interest rates starting at 8.75% p.a. as of November 2025. It provides 90% LTV for properties ≤₹45 lakh, PMAY-CLSS subsidies up to ₹2.67 lakh, and digital disbursal in 7-15 days—perfect for salaried (₹25,000+ monthly) or self-employed seeking flexible tenures to 30 years across pan-India branches.
|
Feature |
Details |
|
Interest Rate |
8.75% p.a. onwards (floating, up to 11.50%) |
|
Processing Fee |
Up to 0.50%-3% + GST (min ₹2,500) |
|
Loan Amount |
Up to ₹5 crore (90% LTV ≤₹45 lakh) |
|
Tenure |
Up to 30 years |
|
Age |
21–70 years |
|
Disbursal |
7–15 days |
|
Prepayment |
Nil (floating) |
|
Salaried |
₹25,000+; CIBIL 750+ |
|
Self-Employed |
2 years; ₹3 lakh+ ITR |
Sammaan Capital home loan interest rate starts at 8.75% p.a. for prime profiles (CIBIL 750+ salaried, ≤₹35 lakh loan), up to 11.50% p.a. for self-employed. Floating rates linked to benchmark; PMAY effective ~2.25% after subsidy. Women concession 0.05%; daily reducing balance.
|
Category |
Rate |
EMI (₹30L, 20Y) |
|
Salaried Prime |
8.75% |
₹23,800 |
|
Self-Employed |
9.75% |
₹25,600 |
|
PMAY |
~2.25% |
₹14,800 |
vs SBI (7.50%): Higher but PMAY/rural focus strong.
● PMAY-CLSS: Up to ₹2.67 lakh subsidy for EWS/LIG/MIG (<₹18 lakh income).
● Balance Transfer: Switch + top-up at 8.75%+, save 0.5-1%.
● Rural Reach: Affordable segment ₹15-30 lakh focus.
● Digital Tools: App for eligibility/statement.
● No Hidden Charges: Transparent fees.
● Women Benefits: Lower rate + priority.
Sammaan Capital home loan calculator at sammaancapital.com: ₹30 lakh/20Y/8.75% = ₹23,800 EMI.
|
Loan |
EMI (20Y) |
Total Interest |
|
₹30L |
₹23,800 |
₹27.12 lakh |
|
₹50L |
₹39,700 |
₹45.28 lakh |
PMAY toggle shows subsidy-adjusted EMI.
|
Charge |
Amount |
|
Processing |
0.50%-3% + GST |
|
Legal |
₹3,000–₹5,000 |
|
Prepayment |
Nil |
Salaried: ₹25k+, 1 year job, CIBIL 750+.
Self-Employed: 2 years, ₹3L ITR.
Docs: KYC/income/property/bank statements.
Track on portal/app with ref no. + OTP. Email customercare@sammaancapital.com.
₹30 lakh/20 years EMI: ₹23,800; PMAY ~2.25%.
Instant at sammaancapital.com: Income ₹40k → ₹45 lakh eligible.
Factors DTI 50%, CIBIL, PMAY.
0.50%-3% + GST (₹7,500 on ₹25L).
PMAY reduces to 1%; paid upfront.
4.1/5: Fast PMAY, digital praised; fees high but transparent.
Statement free via app.
Sammaan Capital home loan at 8.75% + PMAY fits ₹15-75L affordable segment. Apply
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