Dhanlaxmi Bank Home Loan Interest Rate

Last Updated : Feb. 26, 2025, 3:35 p.m.

Dhanlaxmi Bank home loan interest rates start from 8.75% per annum. The exact rate applicable to you may vary based on your credit profile , loan amount, and tenure. The bank provides flexible repayment options with tenures of up to 30 years, depending on the loan type.

Dhanlaxmi Bank Home Loan Interest Rates 2025

These are the latest home loan interest rates of Dhanlaxmi Bank Home Loan 2025, understand the table to know better -

Features of Dhanlaxmi Bank Home Loan

These are some features of Dhanlaxmi Bank Home Loan . Read the content carefully to understand better -

• Enjoy a Higher Loan Amount Based on Your Income – Get access to a substantial loan amount that aligns with your income level, ensuring you can easily meet your financial goals.
• Flexible Repayment Tenure Ranging from 1 Year to 30 Years – Choose a repayment period that best suits your financial planning, whether you prefer shorter terms for faster repayment or longer tenure for lower EMIs.
• Attractive and Competitive Interest Rates – Benefit from affordable interest rates that help keep your monthly installments manageable, reducing the overall cost of your loan.
• The Hassle-Free Loan Process with Simplified Documentation – Experience a seamless application process with minimal paperwork, making loan approval quicker and more convenient.
• Convenient Doorstep Services for a Stress-Free Experience – Enjoy personalized assistance with document collection and loan processing right at your doorstep, saving you time and effort.
• Step-Up and Step-Down EMI Options for Flexible Repayment – Increase or decrease your EMI payments as per your financial situation, allowing better control over your loan repayment journey.

Special Schemes Under Dhanlaxmi Bank Home Loan

Some of the special schemes are available under the Dhanlaxami Bank Home Loan. You can avail of these schemes, to know more read about them below -

• Comprehensive Loan Evaluation Beyond Just Financials – Your loan is assessed based on income, credit history, business nature, and industry trends for a well-rounded approval.
• Exclusive Surrogate Income Program for Self-Employed Individuals – Even if you have unconventional income proof, their special surrogate income program helps self-employed professionals and business owners qualify for a loan based on alternative financial assessments.
• Mortgage Reducing Term Assurance (MRTA) for Financial Security – Protect your family from the burden of loan repayment in unforeseen circumstances with MRTA, an insurance plan that covers your outstanding home loan liability in case of an unfortunate event, ensuring peace of mind for you and your loved ones.

Calculating EMIs Dhanlaxmi Bank Home Loan at Different Interest Rates

To easily calculate EMIs for a Dhanlaxmi Bank Home Loan at different interest rates, use the Home Loan EMI Calculator for quick and accurate results.

Simply enter the following details:

• Loan Amount – The total amount you wish to borrow.
• Tenure – The repayment period you prefer.
• Interest Rate – The applicable rate offered by the bank.

For Ex: The table below displays the equal monthly payments (EMIs) for a Rs.95,00,000 home loan with interest rates ranging from 8.75% p.a. upto 10.50% p.a. for terms up to 30 years. You can change the loan amount and other details as per your needs.

Documents Required for Dhanlaxmi Bank Home Home Loan Application

When applying for a home loan, ensure you have the following documents ready:

For Salaried Applicants:

• Duly filled application form – Complete and signed application.

• Identity Proof – PAN Card, Passport, Ration Card, or Voter ID.

• Passport-size photographs – Required for all applicants.

• Address Proof – Utility bills, Aadhaar card, or any valid government-issued document.

• Income Documents – Latest Form 16 and last 3 months' salary slips.

• Bank Statement – Last 6 months’ statement of your salary account.

• Repayment Track Record – If any existing loans or credit history.

• Property Documents – Copy of property papers related to the loan.

• Processing Fee Payment – Cheque or online payment as required by the bank.

For Self-Employed / Business Owners (Sole Proprietorship, Partnership, Pvt. Ltd. Company):

• Duly filled application form – Signed and completed.

• Identity Proof – PAN Card, Passport, Ration Card, or Voter ID.

• Passport-size photographs – Required for all applicants.

• Address Proof – Aadhaar card, utility bills, or any government-approved document.

• Financial Documents – Last 2 years' income tax returns of directors/partners.

• Bank Statement – Last 12 months’ bank statement of the firm’s main operating account.

• Business Financials – Audited financial statements for the last 2 years.

• Company Legal Documents – Certified copies of MOA/AOA (Memorandum & Articles of Association) or Partnership Deed, as applicable.

• Professional Qualification Certificate – If applicable for business nature.

• Repayment Track Record – If any existing credit or loan repayment history.

• Property Documents – Copy of property papers related to the loan.

• Processing Fee Payment – Cheque or online transaction as per bank requirements.

Summary!

Dhanlaxmi Bank home loan interest rates are based on the applicant’s profile, loan amount, and tenure. Rates may vary for salaried and self-employed individuals. For the latest interest rates and offers, it’s best to check with the bank directly. Also, the bank has not disclosed any eligibility criteria yet, to have an idea about the same you can refer to the other bank’s site to learn about the Dhanlaxmi Bank Home Loan eligibility criteria.