Piramal Housing Finance Interest Rate
Piramal Housing Finance home loan interest rates start at 9.75% p.a. Borrow Rs. 5 lakh to Rs. 2 crore with a repayment tenure of up to 30 years.
Piramal Housing Finance Interest Rate
Headquartered in Mumbai, Piramal Capital, and Housing Finance Limited is an emerging NBFC offering hassle-free housing loans to salaried and self-employed individuals. Piramal Housing Finance interest rate in 2024 starts at 9.75% per annum. Piramal home loan interest rates are offered on a floater as well as a fixed rate basis. The minimum loan amount starts at Rs. 5 lakh, and the maximum is up to Rs. 2 crore. The NBFC offers home loans for a maximum repayment tenure of up to 30 years. The borrower's profile including credit score decides Piramal Finance interest rate. The applicant must pay a processing fee of up to 3% of the loan amount plus GST while submitting the home loan application.
Piramal Housing EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
Piramal Home Loan Key Highlights
Amount of Loan
Starts at Rs. 5 lakh up to Rs. 2 crore
Rate of Interest
9.75% p.a. onwards
Processing Fees
Up to 3 %
Max Tenure for Loan Repayment
30 years
Piramal Housing Finance Interest Rates in 2025
Piramal Housing Finance offers hassle-free housing loan schemes to salaried and self-employed applicants. The lowest Piramal home loan interest rate starts at 9.50% per annum. The tables given below highlight the Piramal housing finance interest rate 2025 for different categories of loan applicants.
| Loan Category | Rate of Interest on Home Loan |
|---|---|
| Salaried | 11.00% p.a. onwards |
| Self-Employed | 11.00% p.a. onwards |
Standard Home Loan Rates of Interest for Salaried and Self-Employed Applicants
Piramal Housing Finance Retail Prime Lending Rate (RPLR) is 20.42%
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loan | 11.00% per annum onwards |
Piramal Super Home Loan Interest Rates
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loans | 11.00% p.a. onwards |
Top-Up Loans Interest Rates
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| Top-Up for Existing Bank Customers | 11.00% p.a. onwards |
Interest rates were last updated on 1st July 2025
Piramal Housing Finance Interest Rates for All Schemes in India
Piramal Housing Finance Ltd. offers eligible applicants a wide range of home loan schemes. The table below will give you a clear idea of the home plan schemes offered by the bank and the standard rate of interest offered on each.
| Piramal Home Loan Schemes | Rates of Interest for Each Plan |
|---|---|
| Piramal Home Loan | 11.00% p.a. onwards |
| Piramal Home Construction Loan | 11.00% p.a. onwards |
| Piramal Extension Loan | 11.00% p.a. onwards |
| Piramal Home Renovation Loan | 11.00% p.a. onwards |
| Piramal Balance Transfer Home Loan | 11.00% p.a. onwards |
| Piramal Super Home Loan | 11.00% p.a. onwards |
Piramal Housing Finance Interest Rates for Balance Transfer, Top Up and Overdraft
Piramal offers three convenient types of home loan facilities to its customers who already have a home loan with the bank, and these are listed below:
Piramal Home Loan Balance Transfer
Piramal Housing Finance offers an easy way for existing home loan borrowers from other banks and NBFCs to enjoy a lower interest rate at Piramal. For this, it offers the Piramal Balance Transfer Home Loan Scheme. The Piramal Housing Finance Balance Transfer home loan interest rate starts at 11.00% per annum.
Piramal Home Loan Top-Up
Avail extra funds through Piramal top-up home loan schemes. These top-ups on home loans help existing home loan borrowers get additional funds to meet their professional and personal financial needs. The Piramal home loan top-up interest rate starts at 11.00% per annum.
Piramal Home Loan Overdraft Option
The Piramal Housing Finance overdraft facility is a valuable way through which existing home loan borrowers can arrange extra funds without applying for a fresh loan from the NBFC. The Piramal home loan overdraft interest rate starts at 11.00% per annum.
Piramal Home Loan EMI Calculator 2025
| Loan Amount | Rate of Interest | EMI for 10-Year Loan Tenure | EMI for 20-Year Loan Tenure | EMI for 30-Year Loan Tenure |
|---|---|---|---|---|
| Rs. 10 lakh | 11.00% p.a. | Rs. 13,775 | Rs. 10,322 | Rs. 9,523 |
| Rs. 20 lakh | 11.00% p.a. | Rs. 27,550 | Rs. 20,644 | Rs. 19,046 |
| Rs. 30 lakh | 11.00% p.a. | Rs. 41,325 | Rs. 30,966 | Rs. 28,570 |
| Rs. 40 lakh | 11.00% p.a. | Rs. 55,100 | Rs. 41,288 | Rs. 38,093 |
| Rs. 50 lakh | 11.00% p.a. | Rs. 68,875 | Rs. 51,609 | Rs. 47,616 |
| Rs. 60 lakh | 11.00% p.a. | Rs. 82,650 | Rs. 61,931 | Rs. 57,139 |
| Rs. 70 lakh | 11.00% p.a. | Rs. 96,425 | Rs. 72,253 | Rs. 66,663 |
| Rs. 80 lakh | 11.00% p.a. | Rs. 1,10,200 | Rs. 82,575 | Rs. 76,186 |
| Rs. 90 lakh | 11.00% p.a. | Rs. 1,23,975 | Rs. 92,897 | Rs. 85,709 |
| Rs. 1 crore | 11.00% p.a. | Rs. 1,37,750 | Rs. 1,03,219 | Rs. 95,232 |
Disclaimer:
The figures in the table above are based on an 11.00% p.a. interest rate offered by Piramal. They may vary, however, based on the different interest rates offered by other banks, your monthly income, and other factors.
How to Calculate Piramal Housing Finance Interest Rates?
We suggest you determine the interest rate payable on a Piramal home loan plan by using the online home loan interest rate calculator available at EMI. Use this easy-to-use online EMI calculator to plan your monthly finances better without any confusion. The table below provides a detailed estimate of the EMI payable and the interest rate on Piramal home loans:
Compare Piramal Housing Finance Interest Rate with Top Banks
A little comparison of Piramal home loan interest rates with other competitor banks and NBFCs will make you more confident about your decision. So, here is a table that highlights the interest rates and processing fees of other established financial organizations in India providing home loans:
Piramal Housing Finance Balance Transfer Interest Rates
Piramal Housing Finance wants home loan borrowers to spend less on interest rates. So, it allows existing home loan borrowers to transfer their outstanding home loan amount to Piramal at a lower interest rate. This is done through the Piramal Balance Transfer Home Loan Scheme.
Piramal housing finance balance transfer interest rates start at 11.00% per annum. Both salaried and self-employed can avail of this flexible facility from Piramal. Shared below is the easiest way to apply for a Piramal balance transfer home loan:
Go to the Repay Right section on the BASIC Home Loan website - Repay Right
Enter the required information in the provided form and fill in the key details on the current outstanding loan amount, existing rate of interest per annum, new rate of interest per annum, existing loan repayment tenure, and existing EMI paid on the loan amount.
Click on Next once you have entered the required details on the form.
You can see your total savings with the Piramal Home Loan Balance Transfer option on the next page.
Alternatively, you can get in touch with one of the team representatives of BASIC Home Loan, who can help maximize your savings with Piramal Balance Transfer on home loans.
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