What is the processing fee?

The processing fee shown on this page is ₹5,000 + GST.

What is the maximum home loan tenure?

The maximum tenure is 30 years.

What CIBIL score is preferred?

Higher CIBIL scores receive the lower published rate bands 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 Vridhi Finserv?

Yes. Balance transfer is available subject to lender eligibility and property checks.

Vridhi Finserv Home Loan

Vridhi Home Finance provides affordable loans for home purchase, construction, expansion, renovation, and balance transfers, including underserved borrowers. Butter Money helps you review suitable options and apply with clear, dependable assistance from start to finish. Apply confidently.

Interest Rate

12.00%

p.a. onwards

₹

Processing Fee

₹5,000

+ GST

Max Tenure

30 Years

Max LTV

Up to 75%

✦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 Vridhi Finserv Home Loan

Vridhi is a housing finance company focused on affordable housing, supporting underserved customers with purchase, construction, expansion, renovation, and transfer loans through local service, supporting eligible borrowers.

Home purchase financing

Construction finance

Balance transfer option

Top-up funding available

Salaried & self-employed options

Up to 30-year tenure

Vridhi Finserv Interest Rates 2026

Based on CIBIL Score & Applicant Type

CIBIL Score	Salaried	Self Employed
800–900	12.00%–12.50%	12.00%–12.50%
750–799	12.00%–12.50%	12.00%–12.50%
700–749	13.00%–13.50%	13.00%–13.50%
650–699	15.00%–15.50%	15.00%–15.50%

Fees & Charges

Charge TypeDetails

Processing Fee₹5,000 + 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

Vridhi Finserv12.00% onwards

Popular Vridhi Finserv Schemes

Find the right product for your needs

Scheme Name	Best Suited For	Interest Rate
Fresh Home Loan	Home purchase or construction	12.00% onwards
Home Construction Loan	House construction	12.00% onwards
Balance Transfer	Existing home loan transfer	12.00% onwards
Top-Up Loan	Additional funding	13.00% 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

%12

6%20%

Loan Tenure

Yrs15

1 Yr30 Yrs

YOUR MONTHLY EMI

₹1,20,017

for 15 years at 12% p.a.

Principal amount

₹1,00,00,000

Total interest

₹1,16,03,025

Total amount payable₹2,16,03,025

Illustrative calculation based on the selected rate. The rate defaults to 12% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.