Best Home Loan In Hyderabad | 2025
Hyderabad is one of India’s fastest-growing technology and real estate cities, with discount property prices, contemporary infrastructure, and reputable job possibilities. In 2025, the home loan interest rates will be between 6.90% p.a. and up to 30 years for repayment. That means owning a property in Hyderabad is now even easier! Whether you are salaried, self-employed, or an NRI, NoBroker will connect you to the best banks for the best home loan rate in Hyderabad, all online and with free broker service.
Best Home Loan In Hyderabad | 2025
Hyderabad, the City of Pearls, has emerged as one of the fastest-growing real estate investment hotspots in India because of its rapidly expanding IT sector, progressive infrastructure, and affordable housing. Home loan interest rates in Hyderabad start at 6.90% p.a. (as of 2025) with tenures up to 30 years and tax benefits of up to ₹3.5 lakh. NoBroker helps salaried, self-employed, and NRI clients access zero-brokerage home loans from top banks and NBFCs, with rapid approval and limited paperwork.
Overview of the Content
| Section | Details |
| City Benefit | Fast-growing IT hub + affordable property prices |
| Interest Rate | Starts at 6.90% p.a. |
| Loan Tenure | Up to 30 years |
| Tax Benefits | Up to ₹3.5 lakh/year (Sections 24 & 80C) |
| Top Locations | Banjara Hills, Gachibowli, Kondapur, Madhapur |
| Top Lenders | SBI, HDFC, ICICI, Axis, LIC HFL, Canara, BoB |
| Eligibility | Age 21–65, Income ₹2–3L+, Credit Score 750+ |
| NoBroker Perks | Zero brokerage, fast online approval |
Best Home Loan Providers in Hyderabad (with Branch Addresses)
Here are some of the best banks and financial institutions offering the best home loan in Hyderabad, along with their branch addresses for quick assistance. If you’re unsure where to start, a home loan agent in Hyderabad can help you compare these lenders easily.
| Bank/NBFC | Branch Location Address |
| State Bank of India | SBI Main Branch, Bank Street, Koti, Hyderabad – 500095 |
| HDFC Ltd. | HDFC House, Road No. 1, Banjara Hills – 500034 |
| ICICI Bank | ICICI Towers, Begumpet, Hyderabad – 500016 |
| Axis Bank | Axis Bank, Ameerpet Branch, Hyderabad – 500016 |
| LIC Housing Finance | LIC Building, Basheer Bagh, Hyderabad – 500001 |
| PNB Housing Finance | 6-3-903, Raj Bhavan Road, Somajiguda – 500082 |
| Canara Bank | Canara Bank, Abids Branch, Hyderabad – 500001 |
| Bank of Baroda | BoB, Himayatnagar Branch, Hyderabad – 500029 |
Why Choose a Home Loan in Hyderabad?
Hyderabad is one of India’s premier cities to buy a home using a low-interest housing loan in 2025, with affordable housing costs, ample job opportunities, as well as a rapidly developing urban infrastructure.
- Affordable Price Yet Growing Market: The appeal of Hyderabad compared to other metropolitan cities is that the price of property is still low and offers significant upside potential in appreciation.
- Business and IT Hubs: Monolithic tech park areas, such as HITEC City and Gachibowli, are boosting demand and providing stability in housing.
- Low-Interest Rates: Rates starting from 6.90% p.a. will lower your repayments and the affordability of EMIs.
- Current Infrastructure Development Projects: More metro line openings/expansions, ring roads, and expressways are sure to improve connectivity and property values in the coming years.
- Tax Catalysts: Claim up to ₹2 lakh for interest paid and ₹1.5 lakh for principal repayment on your home loan each year.
- Zero Brokerage Loan Processing: NoBroker can help connect you to verified lenders and handle all aspects of your loan, all digitally, without the need for a middleman.
Eligibility For Home Loan In Hyderabad
Interested applicants need to meet certain criteria to be able to apply for a home loan in Hyderabad. They are:
- Age: Applicants must be at least 21 years old and must not exceed the age of 65 at the time the loan matures.
- Income: Lenders usually require a minimum annual income of Rs 2-3 lakh from applicants. However, the exact amount might vary depending on the lender.
- Employment stability: In an ideal scenario, the applicant should be employed for a minimum of 2-3 years, depending on the lender.
- Credit score: A credit score of 750 or above is preferred by most lenders, though it is subject to change depending on the lender.
- Property valuation: The property that the borrower intends to buy must meet the legal valuation standards set by the bank.
Documents Required To Get The Best Hyderabad Bank Home Loan Interest Rates
To apply for a home loan in Hyderabad, the applicant will be required to provide the following documents:
| 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 note that the specific documents required for a home loan application may differ based on the lender and the amount of the loan.
Comparing Home Loan Rates in Hyderabad
| Lender | Home Loan Interest Rates In Hyderabad | 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 Hyderabad
Here are the top leading and preferred locations in Hyderabad, viable for home purchase, along with some supporting information:
- Banjara Hills: One of the most affluent areas in Hyderabad, Banjara Hills is known for its upscale properties, excellent shopping and dining options, and other social infrastructures, along with easy access to the city’s major landmarks.
- Jubilee Hills: Another upscale area in Hyderabad, Jubilee Hills is home to some of the city’s most luxurious properties, popular restaurants, and high-end shopping destinations.
- Kondapur: Located close to Gachibowli and HITEC City, Kondapur has become a preferred location for homebuyers due to its well-developed infrastructure and connectivity.
- Madhapur, another popular location for IT professionals, has seen a surge in demand for homes due to its proximity to major IT companies and a range of entertainment options.
- Gachibowli: This area is known for its IT hubs, top educational institutions, and premium residential projects. It is a mix of commercial and residential infrastructure.
Tax Benefits On Home Loan Rates In Hyderabad
Home loans offer a number of tax benefits to the borrower. Here are the key tax benefits of home loans in Hyderabad:
1. Tax deduction on interest payment:
Section 24 of the Income Tax Act, 1961 allows 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.
2. Tax deduction on principal repayment:
Under Section 80C of the Income Tax Act, 1961, borrowers can claim a deduction of up to Rs. 1.5 lakh on the principal repayment of a home loan.
3. Tax benefits on joint home loans:
If a home loan is taken jointly, each borrower can claim tax benefits on the interest paid and the principal repayment, proportionate to their share in the loan.
4. Tax benefits on pre-construction interest:
Borrowers can claim a tax deduction on the interest paid during the pre-construction period, in five equal instalments, starting from the year in which construction is completed.
5. Tax benefits on stamp duty and registration charges:
Borrowers can claim a deduction on stamp duty and registration charges paid while purchasing a house, subject to a maximum limit of Rs. 1.5 lakh under Section 80C.
NOTE: Tax benefits for home loans are subject to changes in tax laws and regulations, and borrowers are advised to consult a tax expert for detailed information.
Conclusion:
Taking a home loan in Hyderabad in 2025 means you can take advantage of low rates, rising prices in realty, and high loan eligibility where the economy is booming. Hyderabad has a fantastic regrowth potential and can build wealth via property. It does not matter if you are looking at IT corridors or your dream flat next to the metro, Hyderabad gives a firm base to property investments. There are also several new startups which give individuals platforms to recommence their property search with Zero brokerage, Fast Approvals, and digital end-to-end support through No Broker.
