Bandhan Bank, headquartered in the city of joy- Kolkata, is one of the newest banks in the banking sector. The bank, which was inaugurated on August 23, 2015, is one of the first banks which were established in eastern India after independence. Within two years, the bank has set up over 800 branches and 280 ATMs in the country. 

Bandhan Bank Home Loan is for interested applicants in the home loan, so that they can buy their own house and live in it. You can now say goodbye to the rented apartment and instead shift to your own house by availing a Bandhan Bank Home Loan. The home loan product can be used to book any property that is under construction, construct a house on land that is owned by you, or buy or renovate/repair a pre-owned house. Affordable and easier financing is now available to home loan seekers because of Bandhan Bank.

Bandhan Bank Home Loan Interest Rate Details 2025

Find the latest Bandhan Bank home loan interest rates of 2025 in the given table below -

Types of Bandhan Bank Home Loan

Here are the types of Bandhan Bank Home Loan with their details - 

Bandhan Suraksha Home Loan – Loan available for purchase, construction, or extension of a house. 

• Formal income proof is mandatory
• Loan amount – Up to 90% of the property cost (including land and construction)
• Tenure – Minimum 1 year to a maximum of 30 years

Bandhan Sajavat Home Loan – Loan available for renovation and repair of an existing house, including painting, plumbing, re-roofing, and more

• Loan amount – Up to 80% of the cost of repair work
• Tenure – Minimum 1 year to a maximum of 15 years

​​Bandhan Su-Awas / Su-Awas Saral / Suniwas Home Loan - Su-Awas Home Loan – Loan available for self-construction. This loan is offered to both salaried and non-salaried individuals, specifically targeting micro-banking customers. It is meant for constructing 'pakka' or 'semi-pakka' houses and does not require formal income proof.

• Loan amount – Rs 1 lakh to Rs 10 lakh
• Tenure – 2 years to 10 years
• Interest Rate-13% p.a -15% p.a.

Su-Awas Saral Home Loan – Loan available for self-construction on non-homestead land

• Loan – Rs 1 lakh to Rs 7 lakh
• Tenure – 2 years to 10 years
• Interest Rate-13% p.a -15% p.a.

Suniwas Home Loan – Loan available for home extension (for Su-Awas and Su-Awas Saral customers only)

• Loan amount – Rs 50,000 to Rs 5 lakh
• Interest Rate-13% p.a -15% p.a.

Subject to diversion/conversion application and applicable state laws.
Obtaining insurance offered by the Bank is not mandatory for availing any home loan product.

Bandhan Suvidha Home Loan - Loan available for purchase, construction, or extension of a house. Here, no formal income proof is required, and income eligibility is assessed based on the applicant’s cash flow. 

• Loan amount – Up to 90% of the property cost (including land and construction
• Tenure – Minimum 1 year to a maximum of 30 years

Pradhan Mantri Awas Yojana (PMAY 2.0) – Interest subsidy scheme for affordable housing of 4% on the first Rs 8 lakh of the loan, for a tenure of up to 12 years

• Aims to promote inclusive growth for economically weaker sections, lower-income, and middle-income groups
• Priority given to women, senior citizens, transgender individuals, minorities, and other special focus groups.

Eligibility Criteria For Bandhan Bank Home Loan

Suraksha Home Loan

• Age Eligibility – Minimum 21 years; Maximum 75 years at loan maturity or retirement age, whichever is earlier

Su-Awas Home Loan 

• Eligible for micro-banking borrowers who have completed at least one full loan cycle

Pradhan Mantri Awas Yojana (PMAY 2.0)

• Applicant or family must not own a pucca house anywhere in India

Eligible Income Groups:

• Economically weaker section (EWS): Up to Rs 3 lakh/year
• Low-income group (LIG): Rs 3–6 lakh/year
• Middle-income group (MIG): Rs 6–9 lakh/year
• Max loan amount: Rs 25 lakh
• Max property value: Rs 35 lakh
• Property size: Up to 120 sq. meters (residential use only)
• Location: Statutory towns (Census 2011) or those later notified by the Government of India. 

Documents Required for Bandhan Bank Home Loan

Below is the list of key documents needed to apply for a home loan from Bandhan Bank -

For Salaried Individuals

• Duly filled loan application form with a recent photograph
• Processing fee cheque
• Customer Relationship Form with a recent photograph
• KYC documents: Photo ID, address proof, and age proof
• Salary slips – Last 3 months
• Latest PF statement
• Form 16 (issued by the employer)
• ITR copies – Last 3 years
• Photocopy of investments and life insurance policies
• Bank passbook or account statements for the past 6 months for all active accounts.
• If applicable, for other loans (active or closed):
  • Sanction letter
  • Updated repayment track
  • No dues certificate (for closed loans)
• A credit card photocopy with the latest monthly statement
• If regular salary slips are not available, a salary certificate on the employer’s letterhead (stamped and signed)
• Visiting card
• Rent agreement (if current residence is rented)

For Self-Employed Individuals

• • Duly filled loan application form with a recent photograph
  • Processing fee cheque
  • Customer Relationship Form with a recent photograph
  • KYC documents: Photo ID, address proof, and age proof
  • Audited/certified financials with schedules – Last 3 years
  • ITR copies – Last 3 years
  • Business note in Bandhan Bank’s format with business place photographs
  • Photocopy of investments and life insurance policies
  • Bank passbook/statements – Last 6 months for all accounts

For other loans (live or closed):

• Sanction letter
• Updated repayment track
• No dues certificate (for closed loans)
• Credit card photocopy with the last monthly statement
• Rent agreement of business premises (if rented)
• Shop & Establishment License
• Professional degree/qualification certificate
• Partnership deed or shareholding pattern
• Visiting card
• Rent agreement of residential property (if rented)

Legal and Technical Documents (All Applicants)

• Approved construction plan, estimate, layout, and permission
• Sale deed/Agreement to sell/Construction agreement/Amenities agreement
• Chain of ownership documents
• Proof of ownership in revenue records (e.g., property card, Form 7/12, 8-A, 6, etc.)
• For co-operative societies – Share certificate and allotment letter
• Recent photographs of the property
• Margin money receipts
• NA (Non-Agricultural) permission from the relevant authority
• NOC to mortgage from the housing society, development authority, etc.

Note:

• All submitted documents must be self-attested.
• Make sure to keep a copy of all the documents you submit for your reference.

How Can You Calculate EMI for Bandhan Bank Home Loan?

Before availing a home loan, one must take into account the EMI he/she will be paying to the bank every month. It is very important to consider the EMI aspect because it can make or break your loan journey. Calculating with the help of the Wishfin Bandhan Bank Home Loan EMI Calculator and your monthly EMI amount is all easy, thanks to this magical tool. You have to do nothing but enter the loan amount, rate of interest, and tenure period. 

Suppose Srishti Singh, a school teacher in Lucknow, wants to buy a home of her dreams. She approaches Bandhan Bank for a home loan of Rs. 20 Lakhs. The bank carefully examines whether she is eligible for the loan or not. After checking her repayment capacity, the bank offers her the same loan amount at an interest rate of 8.91% to 13.08% p.a. for a tenure of 25 years. Srishti can make maximum use of this calculator to know about the EMI amount and thus have a stress-free home loan journey.

Fee/Charges of Bandhan Bank Home Loan

Here are some charges that apply to the home loan apart from the home loan interest rate . Make sure to check them before applying for the loan. 

How to Apply For Bandhan Bank Pradhan Mantri Awas Yojana (PMAY 2.0)?

• Home Loan Application: Visit the nearest Bandhan Bank home loan center or call 1800 258 8181 (toll-free).
• PMAY 2.0 Subsidy Assistance: If eligible, the bank will guide you through the Interest Subsidy Scheme (ISS) application process.
• Subsidy Disbursal: Once approved by NHB, the subsidy will be directly credited to your loan account to reduce interest cost.

T&C apply as per the Government of India’s PMAY 2.0 guidelines. Subsidy credit is subject to NHB approval.

Bandhan Bank Home Loan Features & Benefits

• Simplified Documentation
  Hassle-free application process with minimal paperwork requirements.
• Flexible Repayment Mode
  Choose from convenient EMI options to suit your financial comfort.
• Insurance Facility
  Optional insurance coverage to protect your home and loan liability.
• Doorstep Assistance
  A dedicated relationship manager provides support at your home or office for ease and convenience.
• Balance Transfer Option
  Transfer your existing home loan from another bank/NBFC to Bandhan Bank at attractive interest rates and better terms, helping you reduce your EMI burden or loan tenure.

Summary!

Bandhan Bank Home Loans are designed to turn your homeownership goals into reality with ease and confidence. Whether you're building, buying, renovating, or simply transferring your existing loan, the bank offers a range of tailored solutions backed by competitive rates, customer-first service, and flexible terms. With simplified processes, personalized support, and thoughtful features, Bandhan Bank ensures your journey to owning a home is not just financially sound but also smooth and stress-free.

FREQUENTLY ASKED QUESTIONS

1. What are the current interest rates for Bandhan Bank Home Loans?

Bandhan Bank's latest home loan interest rates start from 8.91% per annum. The exact rate depends on the loan scheme and the applicant's credit profile.

2. What is the maximum loan amount I can avail from Bandhan Bank?

Bandhan Bank provides home loans up to 90% of the property's value, subject to eligibility and other terms.

3. Are there any processing fees for Bandhan Bank Home Loans?

Bandhan Bank levies a processing fee of up to 1% of the sanctioned loan amount.

4. What is the tenure range for Bandhan Bank Home Loans?

The repayment tenure for Bandhan Bank Home Loans can extend up to 30 years, offering flexibility to borrowers.

5. Are there any prepayment charges on Bandhan Bank Home Loans?

No prepayment charges are applicable on Bandhan Bank home loans with floating interest rates.

6. How can I calculate my EMI for a Bandhan Bank Home Loan?

You can use Wishfin Bandhan Bank Home Loan EMI Calculator available on the official website to estimate your monthly EMI based on the loan amount, tenure, and interest rate.

7. What documents are required to apply for a Bandhan Bank Home Loan?

The documentation varies based on the applicant's profile. Generally, it includes identity proof, address proof, income proof, property documents, and bank statements. Specific requirements may differ for salaried and self-employed individuals.

8. Does Bandhan Bank offer home loans for self-construction?

Yes, Bandhan Bank offers the Su-Awas Home Loan for self-construction purposes, with loan amounts ranging from Rs 1 lakh to Rs 10 lakh and tenures from 2 to 10 years.