BAJAJ FINSERV DIRECT LIMITED

India Shelter Home Loan – Apply Online via 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.

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Max Loan Amount ₹40 Lakhs
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Int. Rate Starting @ 13% p.a.

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.

India Shelter Home Loan Details

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.

Other Fees and Charges of India Shelter Home Loan

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

  • Variable Rate Loans: NIL

  • Fixed Rate Loans (using Own Sources of Borrower): NIL

  • Fixed Rate Loans (using Other Sources): 6% of the loan amount being paid + GST ( If prepaid or closed within 24 months of last loan disbursement)

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.

India Shelter Home Loan EMI Calculator

Use the India Shelter Home Loan EMI Calculator below to quickly estimate your monthly instalments and choose a loan plan that fits your budget.

Your Home Loan EMI
₹ 7,843
Total Interest Amount
₹ 882,388
Principal Amount
₹ 10,00,000
Total Payable Amount
₹ 18,82,388
Loan Amount i
Min Max
Interest Rate
- +
Min value reached
Max value reached
Tenure
- +
Min value reached
Max value reached

You can also make instant comparisons between loan offers from multiple Home Loan providers on Bajaj Markets.

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Furthermore, you can gain deeper insights into your loan instalments with the free amortisation schedule, which is provided with each calculation. 

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See Repayment Schedule

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Year EMI Principal Interest Balance

Why Apply for India Shelter Home Loan on Bajaj Markets

You can explore an India Shelter Home Loan and review key features before applying. Here are some practical aspects to consider: 

  • Access to Higher Loan Amounts

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.

  • Low Interest Rates

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.

  • Flexible Interest Rate Options

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.

  • Multiple Home Financing Uses

The loan can be used for different housing purposes, including buying, constructing, or renovating a property. This flexibility supports different stages of homeownership.

  • Simple Online Application Process

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. 

How to Apply for India Shelter Home Loan on Bajaj Markets

Here are some easy steps you can follow to apply for an India Shelter home loan: 

  1. Click on the ‘Apply Now’ button on this page. 

  2. Enter your personal data and income information

  3. Select ‘India Shelter Finance Corporation’ from the list of lenders

  4. Choose your required loan amount and tenure

  5. Click on ‘Submit’ to complete your application 

Following this, a concerned executive will contact for further proceedings. 

India Shelter Home Loan Repayment Options

The lender offers convenient and secure options to pay your dues and manage your loan: 

  • India Shelter iServe App: Use the app to make quick payments, apply for new loans, check your loan status, and access the EMI calculator. 
  • Net Banking Portal: Go to the home page, then choose the ‘Pay EMI’ option. Provide your bank name, account number, IFSC code, and account type and pay with the different options available based on your convenience.

India Shelter Customer Support Details

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
  • Chief Grievance Redressal Officer: Write to cgro@indiashelter.in, or call 0124-4131866. 

You can also send a letter to India Shelter Finance Corporation, 6th Floor, Plot No. 15, Sector 44, Gurgaon, Haryana – 122002. 

India Shelter Customer Support Details

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

  • Chief Grievance Redressal Officer: Contact Mr. Rohit Gaur at cgro@indiashelter.in, call 0124-4131866, or send a letter to:
    India Shelter Finance Corporation,
    6th Floor, Plot No. 15, Sector 44,
    Gurgaon, Haryana – 122002.

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

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Financial Content Specialist

Reviewer

Saptarshi Ghosh

Frequently Asked Questions

What is the interest rate on India Shelter Home Loans?

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:

  • Variable Rate Loans: NIL
  • Fixed Rate Loans (using Own Sources of Borrower): NIL
  • Fixed Rate Loans (using Other Sources): 6% of the loan amount being paid + GST ( If prepaid or closed within 24 months of last loan disbursement)

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.

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