Home Loan Interest Rates in Chennai
To know the latest interest rates

Looking to buy or construct a home in Chennai? The right home loan can help you turn your plans into action without stretching your finances. With a market known for stability and long-term value, making a well-timed decision matters. Our range of home loan options are designed to offer flexibility, clear terms, and a hassle-free application experience, so you can move closer to owning a home in Chennai with confidence.
Use our easy-to-use Home Loan EMI Calculator to get an estimate of your monthly EMIs on a ₹20 lakh home loan and plan your finances better.
Loans up to ₹75 lakh*
Get higher loan amount depending on your eligibility
Faster Approvals
Enjoy smooth and fast application process
Affordable Interest Rates
We offer one of the most competitive rates in the market
Range of Financing Options
Select from home purchase & construction loan, composite loan, home improvement loan & more depending on your requirement
Longer Tenures up to 20 years
Repay through easy EMIs aligned to your income and goals
To know our home loan fees and charges, please click here.
Ensuring you have all the necessary documents in place and meet the eligibility criteria for a home loan would facilitate a seamless loan journey. For more details, call our toll-free number 1800 208 2121 or write to customercare[at]ujjivan[dot]com
Alternatively, you can walk in to your nearest Ujjivan SFB branch to apply for a housing loan. Find your nearest branch.
Visit our Home loan
page
Click on Apply Now
Our representatives will contact you to guide you further
Do’s | Don’ts |
| Maintain a healthy credit score to reflect disciplined repayment behaviour and financial reliability | Do not miss or delay loan EMIs, as even a single default can impact credit assessment |
| Keep all necessary documents accurate, updated, and verifiable for smoother evaluation | Do not provide any inaccurate details while applying as it may lead to rejection of your application |
| Choose a realistic loan amount and tenure aligned with your repayment capacity | Do not apply for a loan amount that exceeds your comfortable repayment ability |
| Disclose all existing loans and financial commitments transparently | Do not hide liabilities, as undisclosed obligations can affect approval during internal checks |
| Ensure personal and financial details are consistent across all documents | Do not provide incomplete, inconsistent, or inaccurate information during verification |
Ujjivan Home Loans offer a minimum loan amount of ₹2,00,000, with the maximum amount extending up to ₹75,00,000
The tenure ranges from a minimum of 39 months to a maximum of 240 months, offering flexibility to suit different financial needs.
CLADUM charges include Credit, Legal, Administrative, Documentation, Upkeep of documents, and Maintenance fees. These charges typically range from 1.0% to 2.0% of the loan amount plus applicable GST.
Yes, there is a non-refundable loan processing fee of ₹3,350 plus GST applicable for all loan types.
Yes, additional charges include CERSAI charges and stamp duty as per the applicable state/UT regulations (shall be paid directly to the respective authorities), along with optional life and property insurance premiums (deducted from the disbursement amount)
Pre-qualified Top Up Loans are exclusively available for existing eligible customers (subject to Bank’s internal Policy) with a minimum loan amount of 1,00,000 and a maximum of 10,00,000
The rate of interest for Pre-qualified Top Up Loans is just 1% higher than the core loan's ROI, providing a competitive advantage for eligible customers.
Yes, these loans can be utilised for fulfilling various dreams or financial requirements of the customer, given they meet the eligibility criteria.
The tenure for Commercial Purchase Loans ranges from a minimum of 39 months to a maximum of 84 months, catering to the specific needs of commercial property acquisition.