Search for Loan Search for Card Search for Insurance Search for Investment Search for Stocks Search for Credit Card Search for Personal loan Search for IPO Search for Indices

Customer Portal

EMI Card

Download

Steal Deals

BAJAJ FINSERV DIRECT LIMITED

Sundaram Home Finance Limited Home Loan

Get complete details on Sundaram Home Finance Home Loan eligibility, benefits, charges, and repayment options to simplify your housing journey.

Check Offer

Quick Links

Home Loan

Home Loan EMI Calculator

Home Loan Eligibility Calculator

Home Loan Interest Rate

Home Loan Procedure

Home Loan Documents

Tax Benefits for Home Loan

Plot Loan

Buying or building a home often requires financial support and choosing the right loan can make all the difference. A Sundaram Home Finance Home Loan gives you access to funds for purchasing, constructing, or renovating your property while ensuring flexible terms. As part of a trusted financial institution, the Sundaram Home Finance housing loan combines reliability with customer-friendly features to help you achieve your home ownership goals with confidence. By understanding the key benefits, eligibility, and repayment options, you can make an informed choice and secure your dream home without unnecessary stress.

Sundaram Home Finance Home Loan Interest Rate and Charges

Here is a detailed overview of the home loan interest rates offered by Sundaram Home Finance for both salaried and self-employed individuals:

Loan Type	Interest Rate
Housing – Salaried	9.15% onwards
Housing – Self-employed - Individual	9.65% onwards

Disclaimer: The fees and charges mentioned in this table are subject to change at the lender’s discretion and may vary based on the loan terms and applicable regulations.

Other Fees and Charges of Sundaram Home Finance Home Loan

Here is a breakdown of the additional fees and charges associated with Sundaram Home Finance Home Loan, providing clarity on the costs involved:

Fee Type	Details
Housing Loan Fee	Up to 0.75% of the loan amount excluding GST
Prepayment Charges (Individuals)	2% applicable for takeover loans
Prepayment Charges (Non-Individuals)	2% of the loan amount

Disclaimer: The fees and charges mentioned in this table are subject to change at the lender’s discretion and may vary based on the loan terms and applicable regulations.

Sundaram Home Finance Home Loan EMI Calculator

Using an EMI calculator allows you to instantly know the approximate monthly payments, making loan planning easier before you submit your application. When you provide simple inputs like the loan amount, chosen tenure, and interest rate, the tool instantly generates a clear repayment schedule for you. This ensures you borrow within your budget and avoid financial strain.

Your Home Loan EMI

₹ 174,440

Total Interest Amount

₹ 93,275

Principal Amount

₹ 20,00,000

Total Payable Amount

₹ 20,93,275

Loan Amount

Interest Rate

- +

Tenure

- +

Calculate Now

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

Key Features and Benefits of Sundaram Home Finance Home Loan

Here are the features that make a Sundaram Home Finance housing Loan a reliable and value-driven choice for your housing needs:

Competitive Interest Rates

Enjoy attractive interest rates that keep your monthly EMIs within budget.

Flexible Repayment Options

Choose repayment tenures that align with your financial comfort and future plans.

Quick Processing and Disbursal

Get your loan sanctioned and disbursed swiftly to meet your housing requirements on time.

Balance Transfer Facility

Transfer your existing loan to Sundaram Home Finance for improved terms and possible savings.

Top-Up Loan Option

Avail additional funds over your existing loan for renovations or other personal needs.

Tax Benefits

Save with tax deductions on both principal repayment and interest, as per applicable laws.

Transparent Process

Experience complete clarity with no hidden charges or unexpected costs.

Insurance Support

Protect your home loan with an insurance scheme offered in partnership with Royal Sundaram.

Expert Legal and Technical Assistance

Receive professional in-house support for accurate legal and technical checks.

Personalised and Flexible Service

Benefit from a customer-friendly approach designed to match your specific financial needs.

Secure Documentation

Stay assured with state-of-the-art systems that keep your documents safe and confidential.

Wide Branch Network

Access more than 120 branches across India for convenient and reliable service.

Sundaram Home Finance Limited Home Loan Eligibility Criteria

Here are the key criteria that define Sundaram Home Finance home loan eligibility for applicants:

You must be an Indian citizen
Your age should be between 18 and 65 years
You can be salaried or self-employed
All genders are eligible to apply
Adding a co-applicant can help increase the loan amount
A co-applicant can be your spouse or a close family member
All co-owners of the property must also be co-applicants

Documents Required for Sundaram Home Finance Limited Home Loan

Getting your documents ready in advance ensures faster approval and avoids unnecessary delays in your home loan application. Here is a clear breakdown of the documents you need to apply for a Sundaram Home Finance housing Loan:

KYC Documents (Identity and Address Proof)

Requirement	Accepted Documents
Mandatory	PAN card (or Form 60 if PAN not available)
Identity / Address Proof	Aadhaar (masked), Passport, Driving Licence, Voter ID, NREGA Job Card, NPR Letter
If Current Address Not Available	Recent utility bill (within 2 months), property tax receipt, pension order, employer allotment letter
For NRI / PIO / OCI	Passport, overseas address proof, attested by Embassy/Consulate/Notary or authorised bank official

Income Documents – Salaried Applicants

Applicant Type	Documents Needed
Resident Indian	Last 3 months’ salary slips (6 if variable pay), Form 16 (if applicable), 6 months’ bank statements (salary credit + EMI debit)
NRI / PIO / OCI	Valid Visa/Work Permit, PIO/OCI Card, General POA in SHFL format, last 3 months’ salary slips, NRE/NRO statements (6 months), Merchant Navy: Continuous Discharge Certificate

Income Documents – Self-Employed Applicants

Applicant Type	Documents Needed
Business Proof	GST Registration, Shop & Establishment Certificate, Factory Licence, Importer Exporter Code, or MSME Certificate
Financial Proof	IT returns, P&L and Balance Sheet with tax computation (last 2 years), GST returns (latest 1 year)
Bank Records	Primary business accounts and EMI debit bank statements (12 months)
For Partnership/LLP/Company	Partnership deed / MOA & AOA, PAN, board resolution, shareholding pattern, beneficial ownership declaration, LEI if applicable

Property Documents

Situation	Documents Required
Constructing on Own Plot	Registered title deed, 15 years’ parent documents, 13+ years’ encumbrance certificate, approved plan/layout, Patta, cost estimate
Purchasing New Flat (Builder)	Registered sale deed (undivided share), sale & construction agreement, stamped payment receipts, 13+ years’ parent docs, builder mortgage permission letter, approved plan, possession letter, completion certificate
Buying Resale House	Sale agreement, seller’s sale deed, 13+ years’ parent docs, 13+ years’ encumbrance certificate, Patta, house tax/EB receipt, stamped payment receipt, approved building plan, draft sale deed, possession proof
Buying Resale Flat	Sale agreement, seller’s sale deed + construction agreement, builder receipts, 13+ years’ parent docs, 13+ years’ encumbrance certificate, property tax/EB/water receipt, stamped payment receipt, approved plan, possession proof

Types of Home Loans Offered by Sundaram Home Finance Limited

Here are the different types of home loans you can choose from based on your needs and financial goals:

Plot Loans

These loans help you purchase a residential plot of land for building your home in the future. Flexible repayment options ensure you can plan construction when the time is right.

Home Improvement Loans

This option provides funds for repairs, renovations, or upgrades to your existing home. It allows you to enhance both comfort and property value without straining your savings.

Home Extension Loans

If you need to add more space to your home, this loan supports construction of extra rooms or floors. It is ideal for growing families or evolving lifestyle needs.

Top-Up Loans

A top-up loan gives you additional funds over your existing home loan without new documentation. It can be used for personal needs such as education, medical expenses, or home upgrades.

Take Over Loans

With this loan, you can transfer your existing home loan from another lender to Sundaram Home Finance. This often helps reduce your interest rate and overall repayment burden.

PMAY-U 2.0

This scheme supports eligible borrowers under the government’s Pradhan Mantri Awas Yojana (Urban). It helps you access subsidies on your home loan and make housing more affordable.

Emerging Business Loans

These loans are designed to support small and emerging business owners in purchasing or expanding property. They provide financial flexibility to grow business infrastructure alongside housing needs.

How to Apply for Sundaram Home Finance Home Loan Online

Here are the simple steps you can follow to apply for a Sundaram Home Finance Home Loan online:

Visit the official Sundaram Home Finance website
Navigate to the home loan application section
Enter your personal, employment, and income details in the application form
Select the desired loan amount and repayment tenure
Upload the required KYC, income, and property documents in the specified format
Review the application details carefully before submitting
Submit the application and note the reference number for future tracking
Wait for a representative to contact you for further verification and processing

How to Check Sundaram Home Finance Home Loan Status

Here are the simple steps you can follow to check the status of your Sundaram Home Finance Home Loan application:

Visit the official Sundaram Home Finance website
Log in to the customer portal with your customer ID and password
Enter your loan application reference number
Provide any additional details requested for verification
Submit the details to view your current application status
Note down the displayed status for future reference or follow-up

How to Check Sundaram Home Finance Limited Home Loan Statement

Here are the simple steps you can follow to view and download your Sundaram Home Finance Home Loan statement:

Visit the official Sundaram Home Finance website
Log in to the customer portal using your customer ID and password
Select the home loan account linked to your profile
Navigate to the option for viewing or downloading statements
Choose the desired period for which you need the statement
Download or save the statement for your records and future reference

Sundaram Home Finance Home Loan Customer Support Details

If you need help with your home loan, Sundaram Home Finance offers multiple support options to assist you quickly and conveniently.

Customer Care Numbers

73054 24448
89255 76775
97908 00700
Toll-Free: 1800 419 7722

Email Support

loans@sundaramhome.in

Request a Call Back

Fill in the customer call back form available on the website to get a quick response from the support team

Branch Locator

Use the online branch locator on the website to find and visit the nearest Sundaram Home Finance branch

Sundaram Home Finance Home Loan Repayment Options

Here are the repayment options you can choose to manage your Sundaram Home Finance Home Loan with ease and flexibility:

Equated Monthly Instalments (EMIs)

Pay fixed monthly instalments that cover both principal and interest throughout the loan tenure.

Part-Payment Facility

Reduce your loan balance anytime by making lump-sum part-payments.

Prepayment or Foreclosure

Close your loan early by paying the outstanding balance in full, subject to applicable conditions.

Flexible Tenures

Select from a wide range of repayment periods to match your financial comfort.

Online Payment Modes

Repay conveniently using internet banking, debit instructions, or other digital payment options.

Home Loan Partner Page

HFFC Home Loan	South Indian Bank Home Loan
Truhome Finance Home Loan	Sammaan Capital Home Loan
Vridhi Home Finance Home Loan	India Shelter Home Loan
L&T Housing Finance HomeLoan	Easy Home Finance Home Loan
ICICI Bank Home Loan	PNB Housing Finance Home Loan
Bajaj Finance Housing Loan	LIC Housing Finance Home Loan
Shubham Housing Finance Home Loan	-

Home Loan Non-Partner Page

Cholamandalam Home Loan	Indian Bank Home Loan
Aditya Birla Finance Home Loan	Axis Bank Home Loan
Piramal Finance Home Loan	DBS Bank Home Loan
UCO Bank Home Loan	Bank of Baroda Home Loans
GIC Housing Finance Home Loan	SBI Home Loan
Central Bank of India Home Loan	HSBC Home Loan
Bandhan Bank Home Loan	Bank of Maharashtra Home Loan
Union Bank of India Home Loan	IDFC First Bank Home Loan
Federal Bank Home Loan	HDFC Bank Home Loan
IDBI Bank Home Loan	Canara Bank Home Loan

Frequently Asked Questions

Does Sundaram Home Finance check CIBIL for a home loan?

Yes, Sundaram Home Finance checks your CIBIL score before approving a home loan. A strong score improves eligibility, lowers risk, and may help secure better loan terms and interest rates.

Can I club the income of my spouse with mine and apply for a Sundaram Home Finance Joint Home Loan?

Yes, you can club your spouse’s income with yours when applying for a Sundaram Home Finance Home Loan. This increases loan eligibility and enhances the approved loan amount, making property purchase more affordable.

What is the processing fee for a home loan with Sundaram Home Finance Limited?

The Sundaram Home Finance home loan processing fee is usually a percentage of the loan amount. Exact charges vary based on loan type and borrower profile, and applicants should confirm current rates before applying

Does Sundaram Home Finance provide loans for under-construction properties?

Yes, Sundaram Home Finance Home Loan is available for under-construction properties. The loan amount is typically disbursed in stages, aligned with the construction progress and builder’s demand schedule.

Is there a prepayment or foreclosure charge for a home loan from Sundaram Home Finance?

Yes, you can prepay your Sundaram Home Finance Home Loan in part or full. Up to three part-prepayments are allowed in a financial year, with each payment equal to at least six EMIs, helping reduce your loan tenure and interest burden.

How long does it take to process a home loan from Sundaram Home Finance?

Sundaram Home Finance Home Loan processing time generally ranges from a few days to a few weeks. It depends on document submission, property verification, and borrower profile. Faster approvals are possible with complete paperwork.

Can I get a joint home loan with a family member from Sundaram Home Finance?

Yes, you can apply for a joint home loan with a close family member, including your spouse. All co-owners of the property must be co-applicants to enhance eligibility and loan sanction amount.

Can I transfer my existing home loan to Sundaram Home Finance?

Yes, Sundaram Home Finance offers a balance transfer facility that lets you shift your existing home loan. This helps reduce interest rates, EMI burden, and overall repayment cost while enjoying Sundaram’s service benefits.

Home