Do interest rates for NRIs differ from resident Indian home loan rates?

NRI home loan rates are usually close to resident rates, though some lenders apply a small premium depending on the applicant's country of residence, income type, and credit profile. Comparing multiple lenders is the only way to know your actual rate.

Multi-lender · Banks + NBFCs · Part of IA Wealth Group

A home loan in India, from anywhere you live.

Q: Can an NRI refinance or transfer an existing home loan to a different lender?

Yes, NRIs can do a balance transfer of an existing Indian home loan to another bank or NBFC, typically to secure a lower interest rate or better terms.

Buy, build, or refinance property in India — with access to multiple banks and NBFCs, compared honestly, in one place. No branch visits required.

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✅ RERA Reg. 52591 ✅ Registered NRI Home Loan DSA ✅ 30+ countries served ✅ Purchase · Under-construction · Refinance

Quick Eligibility Check

Estimate your loan eligibility in 10 seconds

Monthly income (₹) 1,50,000

Loan tenure 20 years

Existing monthly EMIs, if any (₹) 0

I'm calling in from

Estimated eligibility

₹83.36 L

*indicative only

Assumes 9% p.a. and 50% of income available for EMI, before your existing EMIs — for illustration only. Your actual eligibility depends on the lender, your credit profile, and country of residence.

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WHAT WE HELP WITH

One place for every India-property financing need

Whether you already own the property, it's still being built, you're refinancing an existing loan, or you're buying land to build on — we help NRIs finance it.

🏠

Home Purchase Loan

🏗️

Under-Construction Home Loan

💰

Balance Transfer

➕

Home Loan Top-up

🏢

Loan Against Property

🛡️

Home Improvement Loan

🗺️

Land Loan

💳

Personal Loan for NRIs

HOW IT WORKS

Four steps, wherever you are

Tell us your need

Purchase, under-construction, or refinance — share your property and income details.

We compare lenders

Your file is matched against our bank and NBFC panel for the best fit, not just the first offer.

Remote documentation

KYC and paperwork handled digitally, with Power of Attorney support where needed.

Disbursal

Funds released directly per the lender's schedule — purchase, construction-linked, or refinance payout.

WHEREVER YOU LIVE

We serve NRIs across 30 countries

Each country page covers the specific documentation, income verification, and process notes relevant to where you live.

⚠ Lender names confirmed — rates below are pulled from public disclosures and may be outdated. Verify current rates with each lender before publishing live.

COMPARE LENDERS

See how rates stack up

A sample of your panel — rates shown are from public sources and must be re-confirmed with each lender before this table goes live, per your review process.

Lender	Indicative Rate (p.a.)	Max Tenure	Processing Fee
SBI	7.55% – 8.70%*	30 yrs	0.35%*	Check
Bank of Baroda	7.55% – 9.25%*	30 yrs	0.25%*	Check
Bajaj Housing Finance	7.55% onwards*	20 yrs	Ask advisor*	Check
ICICI Bank	7.65% onwards*	30 yrs	Ask advisor*	Check
Kotak Mahindra Bank	7.70% onwards*	25 yrs	Ask advisor*	Check

*Rates pulled from public lender disclosures at time of writing and may not reflect current terms. Confirm directly with the lender before publishing or quoting to a client.

⚠ Names confirmed — swap in actual logo image files (PNG/SVG) when you send them.

OUR LENDING PARTNERS

31 banks and NBFCs on our panel

SBI

HDFC Bank

ICICI Bank

Axis Bank

Bank of Baroda

Kotak Mahindra Bank

Federal Bank

Punjab National Bank

Union Bank of India

RBL Bank

IDFC FIRST Bank

IndusInd Bank

Yes Bank

DBS Bank

HSBC

Standard Chartered

Karnataka Bank

PNB Housing Finance

Bajaj Housing Finance

LIC Housing Finance

Tata Capital Housing Finance

Sammaan Capital

L&T Finance / Housing

Godrej Housing Finance

Aditya Birla Housing Finance

Aavas Financiers

ICICI Home Finance

Shriram Housing Finance

Poonawalla Housing Finance

Muthoot Housing Finance

Fedbank Financial Services

FAQ

Questions NRIs ask us most

Can I get a home loan in India without visiting in person? +

Yes. Most banks and NBFCs allow NRIs to complete the home loan process remotely using a Power of Attorney and digital/video KYC, with physical presence typically needed only at final registration in some cases.

Can NRIs finance an under-construction property? +

Yes. NRIs can avail home loans for under-construction properties, with disbursal typically linked to construction milestones as set by the lender and builder.

Are NRI home loan interest rates different from resident rates? +

NRI rates are usually close to resident rates, though some lenders apply a small premium depending on country of residence, income type, and credit profile. Comparing multiple lenders is the only way to know your actual rate.

Can I transfer my existing home loan to a different lender? +

Yes — a balance transfer moves your existing Indian home loan to another bank or NBFC, typically to secure a lower rate or better terms.

Talk to an NRI home loan advisor today

Free eligibility check. No obligation. Response within one business day, wherever you're calling from.

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