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You can also make instant comparisons between loan offers from multiple Home Loan providers on Bajaj Markets.
...Apply for an India Shelter Home Loan to purchase, build, or renovate your dream home. Get flexible repayment tenures of up to 20 years and affordable interest rates to suit your budget.
Last updated on: May 14, 2026
A home loan from India Shelter Finance Corporation allows you to borrow up to ishlmaxamt for your housing needs. Interest rates start from 13% p.a., with repayment tenures of up to 20 years, designed to support manageable EMIs. Both salaried and self-employed applicants can apply online in a few simple steps only on Bajaj Markets. You can also evaluate your loan eligibility, calculate EMIs, and explore key loan details before submitting your application.
Here are the India Shelter Home Loan interest rates and other loan details on Bajaj Markets that you need to know before submitting your application:
| Particulars | Details |
|---|---|
Interest Rate |
13% p.a. onwards |
Maximum Loan Amount |
40 Lakhs |
Maximum Repayment Tenure |
20 years |
Disclaimer: Interest rates and other loan details are subject to change as per the lender’s internal policies, eligibility criteria, and documentation.
In addition to the primary charges, there are certain additional charges. Being aware of these will help you understand the maximum cost of borrowing:
Processing Charges |
Up to 3% of the loan amount + GST |
Prepayment Charges |
|
Penal Charges |
36% p.a. on overdue interest |
Bounce/Miss Due date charge |
₹700 per instance |
Loan Account Closure Fee |
Up to ₹100 + GST |
Repayment Schedule Fee |
₹500 + GST |
Cash Handling Charge |
₹300 (inclusive of GST) |
Disclaimer: The mentioned loan details are subject to change at the lender’s discretion.
Use the India Shelter Home Loan EMI Calculator below to quickly estimate your monthly instalments and choose a loan plan that fits your budget.
You can also make instant comparisons between loan offers from multiple Home Loan providers on Bajaj Markets.
...| Year | EMI | Principal | Interest | Balance |
|---|
You can explore an India Shelter Home Loan and review key features before applying. Here are some practical aspects to consider:
You can borrow up to ishlmaxamt, depending on eligibility and property value. This amount may help cover major housing expenses such as purchase, construction, or renovation.
Home loans are available with interest rates starting from 13% p.a. The final rate depends on factors such as credit profile, income, and loan eligibility.
You may have the option to choose between fixed or floating interest rates. This allows you to select a repayment structure that suits your financial planning.
The loan can be used for different housing purposes, including buying, constructing, or renovating a property. This flexibility supports different stages of homeownership.
You can apply online, review eligibility, and check EMI estimates in a few steps. This process helps you understand loan details before proceeding with the application.
Here are some easy steps you can follow to apply for an India Shelter home loan:
Click on the ‘Apply Now’ button on this page.
Enter your personal data and income information
Select ‘India Shelter Finance Corporation’ from the list of lenders
Choose your required loan amount and tenure
Click on ‘Submit’ to complete your application
Following this, a concerned executive will contact for further proceedings.
The lender offers convenient and secure options to pay your dues and manage your loan:
Use the following contact details to resolve home loan-related queries:
If the resolution to your query is unsatisfactory, escalate the matter using the following channels:
You can also send a letter to India Shelter Finance Corporation, 6th Floor, Plot No. 15, Sector 44, Gurgaon, Haryana – 122002.
Use the following contact details to resolve home loan-related queries:
Toll-Free Number: Call 1800-572-8888
Email: Write to customer.care@indiashelter.in
Grievance Redressal
If the resolution to your query is unsatisfactory, escalate the matter using the following channels:
Branch Head or Call Centre Manager: Contact the Branch Head at the respective branch or the Call Centre Manager through the toll-free number
Reviewer
The India Shelter Home Loan interest rate starts from ishlminint when you apply on Bajaj Markets.
You can borrow up to ishlmaxamt with an India Shelter Home Loan. The approval amount will depend on your eligibility.
You can get an India Shelter Home Loan for a tenure of up to 20 years.
You need to pay a non-refundable fee to process the sanctioned amount after the approval. The charge can be up to 3% of the loan amount sanctioned, excluding GST.
Yes, India Shelter provides purchase with a construction home loan product for the convenience of its borrowers.
Yes, prepayment charges apply as follows:
The lender will provide updates on every stage, but the approval time will depend on documentation, property valuation, and credit report evaluation.
Yes, you can apply with any family member who has a stable income for easy home loan approval.
Yes, India Shelter provides the facility. Contact a bank representative to know the process and benefits.
You can check or download your home loan statement through the India Shelter customer portal or mobile application. Log in using your registered details and select the statement or account summary option.
You can track your loan status through the India Shelter website or customer service platform. Enter your application details or registered mobile number to view the latest updates.
Yes. India Shelter Home Loans are available to both salaried and self-employed applicants who meet income and eligibility requirements. You can easily apply for India Shelter Home Loans through platforms like Bajaj Markets.
India Shelter does not specify a fixed minimum credit score for home loans. However, most lenders generally consider a CIBIL score of around 750 or higher favourable for approval.
Loan disbursement timelines depend on document verification, property checks, and approval completion. Once all formalities are completed, the loan amount is released as per the lender’s disbursement process.
The loan amount generally depends on factors such as property value, borrower eligibility, and credit profile. Lenders usually finance a portion of the property value, while the remaining amount is paid as a down payment.