What is the processing fee?

The processing fee shown on this page is ₹20,000 + GST.

What is the maximum home loan tenure?

The maximum tenure is 30 years.

What CIBIL score is preferred?

A higher CIBIL score can support more competitive pricing; the published ranges are shown above.

What documents are required?

KYC, income and property documents are required as listed in the Documents tab.

Can I transfer my existing home loan to Federal Bank?

Yes. Home loan balance transfer is available for eligible borrowers.

Federal Bank Home Loan

Federal Bank offers home loans for resident and NRI borrowers, covering purchase, construction, and balance transfers with flexible repayment choices. Butter Money helps you identify suitable options and apply with clear, trusted support. Apply with confidence.

Interest Rate

7.45%

p.a. onwards

₹

Processing Fee

₹20,000

+ GST

Max Tenure

30 Years

Max LTV

Up to 85%

✦Benefits with Butter Money✦

Zero Hidden Charges

Transparent pricing you can trust

Fast Approval

Quick approvals with less paperwork

Loan Assistance

Expert guidance at every step

Exciting Cashbacks

Save more with exclusive offers

About Federal Bank Home Loan

Federal Bank is a private sector bank known for serving resident and NRI borrowers with home purchase, construction, balance transfer, top up, and overdraft options, for eligible borrowers.

Home purchase financing

Construction finance

Balance transfer option

Top-up loan option

Overdraft format available

No pre-closure charges

Federal Bank Interest Rates 2026

Based on CIBIL Score & Applicant Type

CIBIL Score	Salaried	Self Employed
800–900	7.45%–7.90%	7.45%–7.90%
750–799	7.45%–8.00%	7.45%–8.00%
700–749	7.85%–8.10%	7.85%–8.10%
650–699	Not published	Not published

Fees & Charges

Charge TypeDetails

Processing Fee₹20,000 + GST

Legal & Valuation Fee₹3,000–₹5,000 (actuals)

Stamp Duty (MODT)0.5% (state-specific)

CERSAI Registration₹200–₹500

Compare Top Banks

BANKRATE

HDFC Bank7.15% onwards

Bajaj Housing Finance7.20% onwards

SBI7.25% onwards

Federal Bank7.45% onwards

Popular Federal Bank Schemes

Find the right product for your needs

Scheme Name	Best Suited For	Interest Rate
Housing Loan	Home purchase or construction	7.45% onwards
Balance Transfer	Existing home loan transfer	7.45% onwards
Top-Up Loan	Additional funding	8.45% onwards

Home Loan EMI Calculator

Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo.

Loan Amount

₹1,00,00,000

₹10,00,000₹10,00,00,000

Interest Rate

%7.45

6%20%

Loan Tenure

Yrs15

1 Yr30 Yrs

YOUR MONTHLY EMI

₹92,417

for 15 years at 7.45% p.a.

Principal amount

₹1,00,00,000

Total interest

₹66,35,120

Total amount payable₹1,66,35,120

Illustrative calculation based on the selected rate. The rate defaults to 7.45% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.