Best Home Loan In Dehradun | 2025
Indore home loan interest rates starting at just 6.90% p.a., buyers can enjoy EMIs as low as ₹659 per lakh. With up to 90% loan-to-value financing, 30-year tenures, and tax savings up to ₹3.5 lakh, with rates of property still affordable and primary banks offering excellent interest rates on home loans with flexible repayments, this is the right time to invest. If you're a first-time buyer or an experienced investor
Best Home Loan In Dehradun | 2025
Dehradun, the capital of Uttarakhand, is rapidly emerging as a top choice among homebuyers for its natural landscape, development, and overall quality of life. As the demand for housing options continues to increase, major banks and NBFCs are providing excellent home loan options in Dehradun. Starting around the loan interest rates in Dehradun, rates attract a range of lifestyle applications and offer options for up to 30 y30-yeartenure, providing stable pricing options for salaried professionals, self-employed professionals, and NRIs.
Overview of the content
| Section | Summary |
| City Advantage | Dehradun offers affordable property, greenery, and urban growth. |
| Loan Features | Interest from 6.95%, up to 30 years tenure, flexible EMI, tax benefits. |
| Eligibility | Age 21–65, ₹2–3L income, 750+ CIBIL, 2–3 years job stability. |
| Top Lenders | SBI, HDFC, ICICI, Axis, LIC HFL, PNB Housing, Canara Bank, BoB. |
| Popular Locations | Rajpur Road, Jakhan, Sahastradhara Road, Clement Town, Mussoorie Road. |
| Tax Benefits | Up to ₹2L (interest) + ₹1.5L (principal) under Sections 24 & 80C. |
Best Home Loan Providers in Dehradun
Here are some of the best banks and financial institutions offering the best home loan in Dehradun, along with their branch addresses for quick assistance. If you’re unsure where to start, a home loan agent in Dehradun can help you compare these lenders easily.
| Lender | Branch Location in Dehradun |
| State Bank of India (SBI) | SBI Main Branch, 4 Astley Hall, Rajpur Road, Dehradun – 248001 |
| HDFC Ltd. | HDFC House, Near Clock Tower, Rajpur Road, Dehradun – 248001 |
| ICICI Bank | ICICI Bank, Astley Hall, Near Survey Chowk, Dehradun – 248001 |
| Axis Bank | Axis Bank, EC Road, Near Survey Chowk, Dehradun – 248001 |
| PNB Housing Finance | PNB Housing, 1st Floor, Prabhat Complex, Rajpur Road, Dehradun – 248001 |
| LIC Housing Finance | LIC HFL, LIC Building, Subhash Road, Dehradun – 248001 |
| Canara Bank | Canara Bank, Gandhi Road Branch, Near Railway Station, Dehradun – 248001 |
| Bank of Baroda | BoB, Chakrata Road, Near Bindal Bridge, Dehradun – 248001 |
Why Choose a Home Loan in Kolkata?
Dehradun is one of the most beautiful and rapidly growing cities in North India. With its developing infrastructure, educational institutions, and improvement of livability, more and more people are calling Dehradun home. Here are reasons why a home loan in Dehradun is a great way to grow your asset portfolio.
1. Reasonable Property Prices:
You get the same space for value for money in Dehradun, but the real estate prices are less than those in metro cities.
2. Development and Urban Growth:
There has been a continuous improvement in roads and public transport, and communication, which leads to a stimulated demand for real estate.
3. Livability:
Living in an environment with plenty of green spaces, pleasant climates, and hill stations near makes it a desirable city for families.
4. Loan Accessibility:
Major banks and NBFCs all offer home loans in Dehradun with attractive interest rates, amenities, and simple application processes.
5. Tax Benefits:
The current Income Tax Act 1961 allows borrowers to claim deductions under Sections 24 and 80C.
Eligibility For Home Loan In Dehradun
Prospective clients will be required to meet certain basic criteria to be considered eligible for a home loan in Dehradun.
- Age: The client will be required to be a minimum of 21 years of age to apply for a home loan and must not be over 65 years at the time of loan maturity.
- Income: Though it may change depending on the lender, clients will be expected to earn a minimum of Rs. 2-3 lakh per annum.
- Employment stability: Prospective clients will be expected to be in employment for a minimum of 2-3 years.
- Credit score: A credit score of 750 or above will be preferred by most lenders.
- Property valuation: The property to be purchased must align with the legal and valuation criteria of the bank.
Documents Required To Get The Best Dehradun Bank Home Loan Interest Rates
Prospective clients will be required to have the following documents ready to apply for a home loan in Dehradun:
| DOCUMENT TYPE | DOCUMENT |
| KYC Documents | Aadhaar card, PAN card, passport, and voter ID card |
| Proof of Income | Salary slips, income tax returns, Form 16, and bank statements |
| Property-related Documents | Property registration papers, property tax receipts, and NOC from the builder or society |
| Proof of Employment | Offer letter, appointment letter, and employment contract |
| Others | Passport-size photographs, a loan application form, and a declaration of assets and liabilities |
It is important to understand that the exact documents required will vary from lender to lender.
Key Features of a Home Loan in Dehradun
Before applying, it’s essential to understand the key features that make a home loan flexible, affordable, and tax-efficient for buyers.
| Feature | Details |
| Loan Amount | Based on income and property value |
| Interest Rate | Starts from 6.95% p.a. |
| Tenure | Up to 30 years |
| EMI Options | Flexible EMIs: Step-up, Step-down, Holiday |
| Processing Fee | 0.25% to 1% of the loan amount |
| Prepayment Charges | Nil on floating-rate loans |
| Balance Transfer | Available to reduce the EMI burden |
| Tax Benefits | Up to ₹3.5 lakh under Sections 24 & 80C |
Comparing Home Loan Rates in Dehradun
| Lender | Home Loan Interest Rates In Dehradun | Processing Fees & Charges | Maximum Loan Amount | Maximum Loan Tenure |
| Aavas Financier Limited Home Loan | 8% | 2% | – | 30 Years |
| Aditya Birla Capital Home Loan | 9% – 12.50% | 1% | 10 Crores | 30 Years |
| Andhra Bank Home Loan | 8.15% – 9.20% | 0.50% or ₹15000 + GST (whichever is lower) | – | 30 Years |
| Axis Bank Home Loan | 8.75% – 14% | 1% | 10 Crores | 30 Years |
| Bank of Baroda Home Loan | 8.50% – 10.60% | 0.25%- 0.50% | 10 Crores | 30 Years |
| Bank of India Home Loan | 7.80% – 9.65% | – | 7.50 Crores | 30 Years |
| Bank of Maharashtra Home Loan | 8.40% | 0.25% or 25,000 (whichever is lower) | 1 Crore | 30 Years |
| Canara Bank Home Loan | 8.85%- 11.25% | ₹1,500 – ₹10,000 | 3 Crores | 30 Years |
| Central Bank of India Home Loan | 8.45% – 9.20% | 0.50% or ₹20,000 + GST (whichever of lower) | 75 Lakhs | 30 Years |
| DBS Home Loan | 8.25% – 9.75% | – | 5 Crores | 25 Years |
| Dena Bank Home Loan | 8.25% – 8.35% | 0.50% | 1.5 Crores | 30 Years |
| Dhanalakshmi Bank Home Loan | 7.2% | 1% or ₹10,00 + GST (whichever is higher) | 1 Crore | 30 Years |
| DHFL Home Loan | 8.75% | – | 5 Crore | 30 Years |
| Federal Bank Home Loan | 10.15% – 10.30% | – | 15 Crores | 30 Years |
| HDFC Ltd. Home Loan | 8.50% – 9.60% | 0.50% or ₹3000 (whichever is higher) | 10 Crores | 30 Years |
| IDBI Bank Home Loan | 8.75% – 11.45% | – | 10 Crore | 30 Years |
| IDFC First Bank Home Loan | 8% – 14% | 3% | 10 Crores | 30 Years |
| Indiabulls Home Loan | 8.75% | 1% | 2 Crores | 30 Years |
| Indian Overseas Bank Home Loan | 9.55% | – | – | 30 Years |
| India Shelter Finance Corporation Home Loan | 13% – 20% | 2% – 3% + GST | 50 Lakhs | 20 Years |
| Jammu and Kashmir Bank Home Loan | 8% | 0.25% + GST | 50 Lakhs | 30 Years |
| Karnataka Bank Home Loan | 9.08% – 10.38% | 0.50% – 2% | 5 Crores | 30 Years |
| Karur Vysya Bank Home Loan | 9.23% – 12.13% | ₹2500 – ₹7500 + GST | – | 25 Years |
| Kotak Mahindra Bank Home Loan | 8.85% – 9.40% | 0.50% | 10 Crores | 20 Years |
| LIC HFL Home Loan | 8.70% | 0.30% onwards | 10 Crores | 30 Years |
| PNB Housing Home Loan | 8.50% – 10.85% | – | 2 Crores | 30 Years |
| Reliance Home Finance Limited Home Loan | 9.35% – 13% | 0.50% – 1.50% | – | 20 Years |
| South Indian Bank Home Loan | 7.95% – 9.60% | 0.50% + GST | 15 Crores | 30 Years |
| State Bank of India Home Loan | 9.55% | ₹2000 – ₹10000 + GST | 5 Crores | 30 Years |
| Sundaram Home Finance Ltd Home Loan | 6.95% – 8.30% | 0.50% | 4 Crores | 25 Years |
| Tamilnad Mercantile Bank Home Loan | 9.10% – 9.60% | 0.50% | 5 Crores | 30 Years |
| Tata Capital Limited Home Loan | 8.95% | 2% | 5 Crores | 30 Years |
| Union Bank Home Loan | 8.75% | 0.50% or ₹15000 + GST (whichever is lower) | – | 30 Years |
| Yes Bank Home Loan | 9.15% – 11.25% | 1.5% – ₹10000 (whichever is higher) | 10 crores | 35 Years |
Top 5 Locations To Buy Homes In Dehradun
Listed below are some of the top leading and preferred locations in Dehradun, available for home purchase, along with some supporting information:
- Rajpur Road: This is a prime residential area in Dehradun that offers luxurious living with easy access to shopping, dining, and entertainment options.
- Sahastradhara Road: This is a developing locality in Dehradun that offers a serene and peaceful living environment, surrounded by natural beauty.
- Mussoorie Road. This area is located on the outskirts of Dehradun and offers a perfect blend of city living and natural surroundings.
- Clement Town: This is a well-established residential area in Dehradun that offers excellent social infrastructure and connectivity to other parts of the city.
- Jakhan: Located in the heart of Dehradun, Jakhan is a popular residential area known for its peaceful surroundings and proximity to major commercial and entertainment centres.
Tax Benefits On Home Loan Rates In Dehradun
Clients are subject to some tax benefits on home loans. Here are some of the key tax benefits of home loans in Dehradun:
- Tax deduction on interest payment: In adherence to Section 24 of the Income Tax Act, 1961, a deduction of up to Rs. 2 lakh on interest paid for self-occupied property, and has no maximum limit for a rented-out property.
- Tax deduction on principal repayment: Clients can claim a deduction of up to Rs. 1.5 lakh on the principal repayment of a home loan according to Section 80C of the Income Tax Act, 1961.
- Tax benefits on joint home loans: Each client can claim tax benefits on the interest paid and the principal repayment, proportionate to their share in the loan, in the case where the home loan is applied jointly.
- Tax benefits on pre-construction interest: Clients can claim a tax deduction on the interest paid during the pre-construction period, starting from the year in which construction is completed, in five equal instalments.
- Tax benefits on stamp duty and registration charges: Clients can claim a deduction on stamp duty and registration charges paid while purchasing a house, under section 80C, subject to a maximum limit of Rs. 1.5 lakh.
NO TE: Changes to tax laws and regulations can affect the tax benefits that come with home loans. To obtain detailed information about these benefits, borrowers are advised to seek the guidance of a tax expert.
Conclusion
Opting for a home loan in Dehradun is an attractive and easy option for anyone looking to relocate to a growing and peaceful city. With lenders providing competitive home loan interest rates in Dehradun, many repayment options, and other tax benefits, the buyer has the help they need. Almost all applicants, from salaried professionals to people starting their own business, or first-buyers, have easy access to affordable homes in a relaxing area such as Dehradun, while also benefiting from savvy financial solutions. Obtaining home loan assistance is simplified through NoBroker, enabling you to compare the best banks, check your eligibility on the spot, and proceed with the online application without incurring brokerage fees.
