Best Home Loan In Guwahati | 2025
Home loan in Guwahati, interest rates start from as low as 6.90% p.a. and tenures of up to 30 years, owning your dream home has never been more affordable! Many leading banks and NBFCs, including SBI, HDFC, Axis Bank, and LIC Housing Finance, are now offering flexible EMIs, fast approval timelines, and tax benefits of up to ₹3.5 lakh. Regardless of whether you are salaried or self-employed, discover the perfect home loan in Guwahati today!
Best Home Loan In Guwahati | 2025
Guwahati, the largest city in Northeast India, is becoming a real estate hotbed because of affordable housing, increasing infrastructure, and urban population growth. Buyers in Guwahati have more access to very low home loan interest rates starting at 6.90% p.a., long tenures of up to 30 years, and easy EMI options with prompt approval from leading banks and NBFCs. Whether you are a salaried employee, self-employed person, or multiple-time home buyer, a home loan in Guwahati provides the right financial aid to fulfill your aspiration of owning a home.
Overview of the Content:
| Aspect | Details |
| City Advantage | Guwahati offers affordable housing, rapid growth, and strong infrastructure. |
| Loan Interest Rate | Starts from 6.90% p.a. |
| Tenure | Up to 30 years |
| Top Lenders | SBI, HDFC, Axis Bank, LIC HFL, ICICI Bank |
| Eligibility | Age 21–65, ₹2–3 lakh income, 750+ credit score |
| Required Documents | KYC, income proof, property papers, employment proof |
| Tax Benefits | Up to ₹3.5 lakh (₹2L interest + ₹1.5L principal) under Sections 24 & 80C |
| Best Locations | Beltola, Dispur, Six Mile, Zoo Tiniali, Kahilipara |
| Key Features | Flexible EMIs, no prepayment charges, balance transfer option available |
Best Home Loan Providers in Guwahati
Here are some of the best banks and financial institutions offering the best home loan in Guwahati, along with their branch addresses for quick assistance. If you’re unsure where to start, a home loan agent in Guwahati can help you compare these lenders easily.
| Lender | Branch Location in Guwahati |
| State Bank of India | SBI Dispur Branch, GS Road, Dispur, Guwahati – 781006 |
| HDFC Ltd. | HDFC House, Christian Basti, GS Road, Guwahati – 781005 |
| ICICI Bank | ICICI Towers, GS Road, Ulubari, Guwahati – 781007 |
| Axis Bank | Zoo Road Tiniali, Guwahati – 781024 |
| LIC Housing Finance | LIC Building, Bhangagarh, Guwahati – 781005 |
| PNB Housing Finance | 1st Floor, Anil Plaza, GS Road, Guwahati – 781005 |
| Canara Bank | Canara Bank, Fancy Bazaar Branch, Guwahati – 781001 |
| Bank of Baroda | BoB, Panbazar Branch, M G Road, Guwahati – 781001 |
Why Choose a Home Loan in Guwahati?
Guwahati, as the gateway to Northeast India, is increasingly becoming a residential and commercial space. With its increasing infrastructure, growing real estate development, and comparatively lower property rates, Guwahati is an ideal opportunity for people looking to buy a house. Here are some of the benefits of opting for a home loan in Guwahati:
1. Affordable Property Rates:
Guwahati offers properties of relaxed space and size at cheaper pricing than the metro cities.
2. Increased Infrastructure:
Access to increased connections, highways, and public transportation, either directly or indirectly, increases the liveability and property value.
3. Increase in Real Estate Development:
The implementation of new housing projects is increasing the property investment merits.
4. Easy Loan Access:
There are several nationalized banks and Non-Banking Finance Companies (NBFCs) providing affordable home loans in Guwahati, all with flexible EMIs. Also, several of these banks are providing sanctions for home loans with comparatively lower interest rates.
5. Tax Incentives:
You may qualify for a deduction of up to ₹3.5 lakh under Section 24(b) and ₹1.5 lakh under Section 80C of the Income Tax Act.
Eligibility For Home Loan In Guwahati
To be eligible for a home loan in Guwahati, interested clients are required to meet the following criteria:
- Age: The home loan applicant must be at least 21 years of age to be considered eligible and should not be over 65 by the time the loan matures
- Income: Interested applicants are expected to earn a minimum of Rs. 2–3 per annum. Employment stability
- Employment stability: The applicant should be employed for a minimum of 2-3 years, which may vary, depending on the lender.
- Credit score: Most lenders would prefer an applicant with a credit score of 750 or above
- Property valuation: The property in consideration must adhere to the bank’s legal and valuation criteria.
Documents Required To Get The Best Guwahati Bank Home Loan Interest Rates
Clients will be expected to submit the following documents to apply for a home loan in Guwahati:
| 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 keep in mind that the documents that would be requested from the client would differ depending on the lender.
Key Features of a Home Loan in Guwahati
Before applying, it’s essential to understand the key features of a home loan in Guwahati that make a home loan flexible, affordable, and tax-efficient for buyers.
| Feature | Details |
| Interest Rate | Starts from 6.90% p.a. |
| Loan Amount | Based on income & property valuation |
| Tenure | Up to 30 years |
| Processing Fee | 0.25% – 1% of the loan amount |
| EMI Options | Flexible: Step-up, Step-down, Holiday |
| Prepayment Charges | Nil (for floating-rate loans) |
| Tax Benefits | Up to ₹2 lakh on interest & ₹1.5 lakh on principal repayment |
| Balance Transfer | Available for lower interest rate switching |
Comparing Home Loan Rates in Guwahati
| Lender | Home Loan Interest Rates In Guwahati | 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 Guwahati
Below is a list of the most sought-after and highly recommended areas in Delhi that are ideal for purchasing a home, along with some accompanying details :
- Beltola: Beltola is a residential area located in the southern part of Guwahati. It is a well-developed locality with good connectivity to other parts of the city. The area is known for its peaceful environment, well-planned layout, and availability of essential amenities.
- Zoo Tiniali: Zoo Tiniali is another popular location in Guwahati. It is located in the heart of the city and is well-connected to other parts of Guwahati. The area is known for its commercial and residential properties, making it an ideal location for people looking for both.
- Six Mile: Six Mile is a rapidly developing area in Guwahati. It is located on the outskirts of the city and is well-connected to other parts of Guwahati. The area is known for its affordable properties, peaceful environment, and good connectivity.
- Kahilipara: Kahilipara is a residential area located in the western part of Guwahati. It is a well-planned locality with good connectivity to other parts of the city. The area is known for its peaceful environment, availability of essential amenities, and good infrastructure.
- Dispur: Dispur is the administrative capital of Assam and is located in the heart of Guwahati. It is well-connected to other parts of the city and is known for its commercial and residential properties. The area is popular among people looking for properties in the heart of the city.
Tax Benefits On Home Loan Rates In Guwahati
Applying for a home loan offers a plethora of tax benefits to clients. Here are some of the key tax benefits of home loans in Guwahati:
- Tax deduction on interest payment: A deduction of up to Rs 2 lakh applies to the clients according to Section 24 of the Income Tax Act, 1961, on interest paid for a property occupied by the client, and there is no maximum limit in the case where the property is rented out.
- Tax deduction on principal repayment: Clients will be able to claim up to Rs 1.5 lakh worth of deduction on the principal repayment of a home loan, which comes under Section 80C of the Income Tax Act, 1961.
- Tax benefits on joint home loan: In the case of a joint loan, each client can claim tax benefits on the interest paid and the principal repayment, in proportion to their share in the loan.
- Tax benefits on pre-construction interest: Beginning from the year in which the construction is completed, clients will be able to claim, in five equal instalments, a tax deduction on the interest paid during the pre-construction period.
- Tax benefits on stamp duty and registration charges: Prospective clients will be able to claim a deduction on stamp duty and registration charges paid during the purchase of a house, subject to a maximum limit of Rs. 1.5 lakh under Section 80C.
NOTE: Tax benefits are subject to changes in tax laws and regulations. Clients are advised to consult a tax expert for detailed information on the tax benefits of home loans.
Conclusion:
Selecting a home loan in Guwahati in 2025 is an excellent decision. Whether you are a resident or an investor, home loans are affordable today because of favorable interest rates or lower payment-to-income ratios. With tax exemptions worth up to ₹3.5 lakh, it has never been easier to buy a home. Banks such as SBI, HDFC, Axis Bank, and LIC Housing Finance will help to process the loan easily because they have branches in many locations around the city. If you wish to stay in a city with upward growth, affordability, and value, Guwahati is the place to be – and now is the time.
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