✓ Home Loan from ₹2 Lakhs to ₹15 Crores ✓ Interest Rates Starting @ 8.50% Apply Now

Piramal Finance is one of the prominent financial services providers known to offer a diverse range of products. One of its notable financial products is the Piramal Finance Home Loan.

You can utilise the Piramal Finance Home Loan for numerous purposes, such as constructing a new home, purchasing a ready-to-occupy property, or even availing the balance transfer facility.

Here are the key details about the Piramal Finance Home Loan. 

Interest Rate

11% p.a. onwards

Loan Tenure

Up to 30 years

Loan Amount

Between ₹5 Lakhs and ₹2 Crores

Disclaimer: Loan specifics are subject to change at the lender’s discretion. 

Piramal Finance Interest Rates & Charges 2024

The Piramal Finance rate of interest on a home loan is competitive, making it an appealing option in the market. With it, you can obtain funds on favourable terms, ultimately allowing you to fulfil your aspirations of owning your dream home. 

Check out the table below on Piramal Finance Home Loan interest rates and charges.

Home Loan Amount

Annual Interest Rate (% p.a.)

Up to ₹35 Lakhs

11% onwards

From ₹35 Lakhs to ₹75 Lakhs

11% onwards

₹75 Lakhs and above

11% onwards

Disclaimer: The interest rates mentioned are subject to change at the lender’s discretion. 

Here are the details of Piramal Finance Home Loan fees and charges:



Processing charges

Up to 3% of the loan amount

Pre-closure charges

  • Floating interest rate- No charges
  • Fixed interest rate- 2% of the loan amount

Loan repayment dishonouring charges

₹500 plus applicable taxes

Charges for CERSAI

₹500 plus applicable taxes

Statement of loan pre-closure

₹1,000 plus applicable taxes

Schedule of loan repayment

₹500 plus applicable taxes

Change in the mode of loan repayment

₹500 plus applicable taxes

Physical account statement 

Free once a year; subsequently ₹500 plus applicable taxes

Disclaimer: Above-mentioned charges are subject to change at the lender’s discretion.  

Compare Piramal Finance with Other Lenders

Here is a tabulated comparison of the Piramal Finance interest rate on a home loan against partner lenders on Bajaj Markets. Comparing various home loan offers help you select a lender that best suits your financial requirements.

Name of the Partner

Interest Rates

Maximum Loan Amount

Maximum Tenure

Bajaj Housing Finance Limited

8.50% p.a. onwards

₹ 5 Cr 

Up to 30 Years

Home First Finance Company

9.50% p.a. onwards

₹ 40 Lakhs 

Up to 20 Years


9.00% p.a. onwards

₹ 5 Cr 

Up to 30 Years

India Shelter

10.50% p.a. onwards

₹50 Lakhs

Up to 20 Years

Kotak Mahindra Bank

9.00% p.a. onwards 

₹50 Lakhs

Up to 20 Years

LIC Housing Finance

8.65% p.a. onwards

₹ 15 Cr 

Up to 30 Years

PNB Housing Finance Limited

8.50% p.a. onwards

₹ 15 Cr 

Up to 30 Years

Shriram Housing Finance

11.50% p.a. onwards

₹ 1 Cr 

Up to 25 years

Shubham Housing Finance

10.90% p.a. onwards

₹ 50 Lakhs 

Up to 25 Years

Union Bank of India

8.50% p.a. onwards

₹ 15 Cr

Up to 30 Years

*Disclaimer: The interest rates and associated charges can vary from one lending partner to the other and are subject to policy changes of the partner.

Piramal Finance Home Loan EMI Calculator

To simplify the process of calculating your equated monthly instalments (EMIs), you can utilise the Piramal Finance EMI calculator. This digital tool enables you to quickly and conveniently compute your home loan EMIs. 

Simply input the following details in a Piramal Finance Home Loan calculator: 

  • Home loan amount 

  • Applicable interest rate

  • Home loan tenure

Once you enter the information, the home loan EMI calculator automatically generates accurate estimates of your monthly instalments. You can access the EMI calculator below.

Documents Required for a Piramal Finance Home Loan

The documentation requirements for home loans vary based on the employment type of individuals. To ensure a smooth loan application process, it is essential to provide the necessary documents. 

Here are some Piramal Finance Home Loan documents you must submit to apply:

1. Mandatory Documents for All Applicants:

  • PAN card

  • Passport-size photographs

  • Identity Proof: Aadhaar card/Passport/Voter ID /Driving licence

  • Address Proof: Aadhaar card/Passport/Voter ID/Driving licence/water bill/electricity bill

  • Property Related Documents: NOC from the Builder, Sales Deed, Letter of Allotment, Possession Certificate, Bank Account Statement, Occupancy Certificate, etc.

2. Salaried Applicants:

  • Income proof: Latest pay slips, Form-16

  • Bank account statements for the last 3 months

3. Self-employed Applicants:

  • PAN card

  • Bank account statements for the last 6 months

  • Business Proof: GST registration, Trade licence, partnership deed, SEBI registration certificate, MOA, ROC registration certificate

  • Financial Statements: Balance sheet, profit and loss statement

Piramal Finance Home Loan Eligibility

It is important to meet the required eligibility criteria to maximise your chances of getting a Piramal Finance Home Loan. Here are some Piramal Finance Home Loan eligibility parameters:

1. Salaried Applicants:

  • Minimum age: 21 years

  • Maximum age: 70 years for government employees and 62 years for others

2. Self-employed Applicants:

  • Minimum age: 23 years

  • Maximum age: 70 years

3. CIBIL Score: 750 and above

Features and Benefits of Piramal Finance Home Loans

The Piramal Finance Home Loan has a multitude of features and advantages, making it a favourable choice for numerous borrowers. Along with the competitive Piramal Finance interest rate, other features and benefits include:

  • Diverse loan options

  • Favourable loan terms

  • Simplified application procedure

  • Minimal processing fees

  • Quick loan approval

  • Nominal service charges

  • Streamlined loan processes 

  • High sanction ranging up to ₹2 Crores

  • Flexible home loan tenure options of up to 30 years

Types of Home Loan Schemes Offered by Piramal Finance

Piramal Finance offers a range of options tailored to individual needs. You can explore various home loan schemes such as:

  • Regular home loans with a seamless documentation process and convenient EMIs

  • Construction loans offering up to 90% of the property cost

  • Renovation loans to help you renovate and repair your home, providing loan amounts starting from ₹3 Lakhs to ₹5 Crores

  • Home extension loans to help you expand your living space

How to Apply for a Piramal Finance Home Loan Online

Obtaining a Piramal Finance Home Loan is a hassle-free experience, thanks to its simplified application process. To apply for a home loan, simply follow the steps outlined below:

1. Online Application

  • Step 1: Visit the official Piramal Finance website 

  • Step 2: Go to the ‘Housing Loan’ section under ‘Loan Products’ and select 'Home Loan' from the dropdown menu

  • Step 3: Click on the ‘Apply Loan Now’ option and provide all the required information in the application form such as your name, income, DOB, loan type, loan amount, etc

  • Step 4: Accept the terms and conditions, and click on the ‘Let’s Move Forward’ option

Wait for the representative to contact you and process your application further.

2. Offline Application

To apply for a Piramal Finance home loan, visit your nearest Piramal Capital & Housing Finance branch office. 

You can meet a Relationship Officer who will help you throughout the application process. Remember to carry the required documents as this can help you better understand the terms you can qualify for when you apply. 

Piramal Finance Customer Care

Piramal Finance offers customer support over the telephone, SMS and email. You may refer below for details:

  • Email: customercare@piramal.com

  • Contact number: 1800 266 6444

Piramal Finance is a trusted name if you are seeking a home loan. With multiple options, affordable interest rates, favourable loan terms and various other benefits, the Piramal Finance Home Loan can be a smart financial choice. 


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs About Piramal Finance Home Loans

Does Piramal Finance check the CIBIL score when giving home loan approval?

Yes, while applying for a Piramal Finance Home Loan, your credit report and CIBIL score will be assessed. A higher credit score significantly increases the chances of your home loan approval. You need to have a CIBIL score of 750 or above to get home loan approval.

What is the maximum loan tenure I can opt for under Piramal Finance House Loan?

The maximum home loan tenure for a Piramal Finance Home Loan is 30 years.

Can I transfer my house loan from another bank to Piramal Finance?

Yes, Piramal Finance allows you to transfer your home loan from other lenders.

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