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Talk to Our Experts

Home Loans

Easy application process

Apply for a Home Loan
Without the Hassle

From your first home to your forever one, Keystones helps you find the right loan, the right bank, and the right terms all without confusion or pressure.

Types of Home Loans

Home Loan Balance Transfer

Already paying a home loan? Switch to a lower interest rate and save big over time.

New Home Loan

Buying a ready or resale property? This loan covers your purchase with long repayment options.

Home Improvement Loan

Renovating, expanding, or upgrading? Fund it without breaking savings.

Plot and Construction Loan

Building from scratch on your own plot? This loan grows with your construction stages.
A couple holding a key, symbolizing a new home ownership or rental.

Top Banks For Home Loan

Compare interest rates from trusted banks

Indian Bank

Interest Rate: 7.10% – 7.40%

EMI / ₹1L (20 yrs): ₹775 – ₹785

Loan Amount: ₹5L – ₹30Cr

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Punjab National Bank

Interest Rate: 7.15% – 7.25%

EMI / ₹1L (20 yrs): ₹778 – ₹782

Loan Amount: ₹5L – ₹30Cr

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Central Bank of India

Interest Rate: 7.15% – 7.25%

EMI / ₹1L (20 yrs): ₹778 – ₹782

Loan Amount: ₹5L – ₹30Cr

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LIC Housing Finance

Interest Rate: 7.15% – 7.65%

EMI / ₹1L (20 yrs): ₹778 – ₹800

Loan Amount: ₹5L – ₹30Cr

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State Bank of India

Interest Rate: 7.25% – 8.45%

EMI / ₹1L (20 yrs): ₹782 – ₹845

Loan Amount: ₹5L – ₹30Cr

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Bank of Baroda

Interest Rate: 7.20% – 7.50%

EMI / ₹1L (20 yrs): ₹780 – ₹790

Loan Amount: ₹5L – ₹30Cr

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HDFC Bank

Interest Rate: 7.20% – 7.80%

EMI / ₹1L (20 yrs): ₹780 – ₹805

Loan Amount: ₹5L – ₹30Cr

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Axis Bank

Interest Rate: 7.25% – 7.75%

EMI / ₹1L (20 yrs): ₹782 – ₹802

Loan Amount: ₹5L – ₹30Cr

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ICICI Bank

Interest Rate: 7.30% – 7.85%

EMI / ₹1L (20 yrs): ₹785 – ₹810

Loan Amount: ₹5L – ₹30Cr

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HSBC Bank

Interest Rate: 7.45% – 7.85%

EMI / ₹1L (20 yrs): ₹795 – ₹810

Loan Amount: ₹5L – ₹30Cr

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Bajaj Finserv

Interest Rate: 7.45% – 8.10%

EMI / ₹1L (20 yrs): ₹795 – ₹830

Loan Amount: ₹5L – ₹30Cr

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Features and Benefits

Interest Rate Types:

Choose between floating or repo-linked rates depending on the bank.

Processing Fees:

Usually 0%–0.5% of loan amount (varies by lender).

Prepayment Charges:

Often nil for floating-rate loans.

Foreclosure Charges:

Depends on lender and loan type we explain before you sign.

Home Loan Overdraft Facility:

Avail Home loan in overdraft form and oay interest only on the outstanding amount.

Home Loan EMI Calculator

Estimate your monthly home loan instalment based on loan amount, interest rate, and tenure.

Monthly EMI

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Total Interest Payable

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Total Payment (Principal + Interest)

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* This is an estimated calculation for illustration purposes only.

Talk to a Home Loan Expert

Frequently Asked Questions

How much loan can I get under LRD?
Loan amount is typically based on discounted future rental income and tenant credibility.
Does the tenant’s brand matter?
Yes, strong corporate or branded tenants improve eligibility and interest rates.
Can I use LRD funds for any purpose?
Generally yes , for expansion, refinancing, or other business needs.
What happens if the tenant vacates?
Borrowers may be required to arrange a new tenant or service EMIs from other sources.
Is LRD available for residential property?
No, LRD is only applicable for commercial properties.
Are foreclosure options available?
Yes, subject to lender-specific charges and conditions.

Apply for Home Loan

Your dream home shouldn’t wait. Apply through Keystones and get expert guidance, transparent terms, and a smooth home loan journey from start to finish. We help you compare top banks, choose the right tenure, and keep EMIs manageable. Step into your new home with confidence, clarity, and complete peace of mind










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