Bandhan Bank Home Loan Interest Rate 2025: Rate, Features, Eligibility & Details

Bandhan Bank Home Loan Interest Rate 2025 me Kitna Hai? Jaane Floating Rate, Tenure, Eligibility, Processing Fees aur Loan Features in Detail.

Introduction

Agar aap apna ghar kharidne ya construct karne ka plan kar rahe ho, to home loan lena ek usual step hai. Lekin jis bank ka home loan lena hai, uska interest rate, terms aur features jaan lena bohut zaroori hai.
Is blog me hum Bandhan Bank ke home loan interest rates 2025 ke baare me puri detail denge — kya current rate hai, kis tarah se decide hota hai, eligibility kya honi chahiye, aur documentation process kya hai.

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💵 Bandhan Bank Home Loan Interest Rate 2025

• Bandhan Bank ke “Suvidha Home Loan” scheme ke under minimum floating interest rate 8.41% p.a. hai. Bandhan Bank

• Maximum floating rate jo levy ho sakta hai wo 12.58% p.a. tak hai. Bandhan Bank

• Kuch sources bhi batate hain ki generally Bandhan Bank home loan rates market me ~9.16% se leke 15% tak vary kar sakte hain, depending on borrower profile aur scheme. Groww+1

• Bank Bazaar mention karta hai ki Bandhan Bank ka home loan “starting from 8.41% p.a.” rate pe offer hota hai. BankBazaar

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🔄 Floating vs Fixed Rate

Bandhan Bank home loans often floating interest rate mode me operate karte hain, jiska matlab hai ki rate market benchmark / external benchmark + bank spread ke basis par badhe ya ghatega.
Bank ki website me ek “Rate Card / Rates and Charges” section me mention hai:

• Home Loan (Floating) rate band: 8.41% to 12.58% Bandhan Bank+1

• Repair loan rate bhi same band me hai. Bandhan Bank+1

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🏗️ Loan Features & Tenure

• Bandhan Bank home loan ka tenure 1 year minimum se leke 30 years tak ho sakta hai. Bandhan Bank+1

• Bank allow karta hai up to 90% of property value as loan in many cases. NoBroker

• Processing fee, documentation charges etc. alag lag sakte hain, subject to scheme. Groww+1

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👥 Eligibility Criteria

• Indian citizen

• Adequate income / repayment capacity

• Good credit score

• KYC documents (Identity proof, address proof, income proof etc.)

• Ownership / legal title of property or agreement to purchase

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📄 Documents Required

1. Identity Proof (Aadhaar, PAN, Voter ID, Passport)

2. Address Proof (Utility bill, Ration Card, Driving License etc.)

3. Income Proof – Salary slips, ITR (for self employed)

4. Property documents – title deed, sale agreement etc.

5. Photographs

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✅ How Rate Is Decided / Factors

• Borrower’s credit score / CIBIL

• Loan amount & loan-to-value ratio (LTV)

• Location of property

• Type of borrower (salaried / self-employed)

• Bank’s benchmark / external rate + spread

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❓ FAQs – Bandhan Bank Home Loan Interest

Q1. Bandhan Bank ka minimum home loan rate abhi kya hai?
👉 8.41% p.a. (floating) for Suvidha Home Loan scheme. Bandhan Bank+2BankBazaar+2

Q2. Maximum rate kitna ho sakta hai?
👉 12.58% p.a. (floating) as per rate band. Bandhan Bank+1

Q3. Kya fixed rate option milta hai?
👉 Bandhan Bank ka scheme zyada tar floating rate par based hai; fixed rate availability uske scheme aur negotiation per depend karegi.

Q4. Tenure kitna ho sakta hai?
👉 1 year se leke 30 years tak. Bandhan Bank+1

Q5. Kya loan amount property value ka kitna % milega?
👉 Generally up to 90% of property value in many cases. NoBroker

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🏁 Conclusion

Bandhan Bank ka home loan interest rate 2025 me 8.41% se start hota hai, aur up to 12.58% tak ja sakta hai, depending on borrower ka profile, location aur property. Agar aap home loan lene ka plan kar rahe hain, to apni credit score improve karein, document ready rakhein aur different schemes compare karein taaki best deal mil sake.

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