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5 Step Guide To Ease The Home Loan ProcessFollow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
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Rules for Loan Against Property: Eligibility & TipsRead the latest insights from Sammaan Capital.
- 5 Step Guide To Ease The Home Loan Process
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
- Rules for Loan Against Property: Eligibility & Tips
Read the latest insights from Sammaan Capital.
- 5 Step Guide To Ease The Home Loan Process
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
- Rules for Loan Against Property: Eligibility & Tips
Read the latest insights from Sammaan Capital.
About Us
All you need to know
- 5 Step Guide To Ease The Home Loan Process
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
- Rules for Loan Against Property: Eligibility & Tips
Read the latest insights from Sammaan Capital.
Products
All you need to know
- 5 Step Guide To Ease The Home Loan Process
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
- Rules for Loan Against Property: Eligibility & Tips
Read the latest insights from Sammaan Capital.
Calculators
All you need to know
- 5 Step Guide To Ease The Home Loan Process
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
- Rules for Loan Against Property: Eligibility & Tips
Read the latest insights from Sammaan Capital.
₹15 Lakh Home Loan EMI
Check your EMI for a ₹15 lakh home loan based on interest rate and tenure. Plan your repayment with easy calculations and flexible options.
* The final rate of Interest will depend upon Profile, Loan amount, tenure, property type and other risk parameters.
₹15 Lakh Home Loan Overview
A ₹15 lakh home loan helps you buy, build, or improve a home of your own without using up all your savings at once. Your EMI depends on factors such as the interest rate, the tenure you choose, and your loan type.
With a competitive floating rate and a repayment tenure of up to 30 years, you can structure the loan to match your income and your monthly budget.
Before you apply, it helps to understand how the EMI is calculated and how different tenures affect the total amount you repay.
What is a Home Loan EMI?
EMI, or Equated Monthly Instalment, is the fixed amount you pay every month towards your home loan. Each instalment covers a part of the principal you borrowed along with the interest charged on the outstanding balance.
Your EMI stays consistent through the tenure. Since Sammaan Capital home loans are on a floating rate of interest, the EMI may change when the applicable rate is revised.
How EMI for a ₹15 Lakh Home Loan Is Calculated?
The EMI on a ₹15 lakh home loan is worked out from a few factors together.
- Interest rate: The home loan interest rate applied to your loan is set based on your profile, the property, and the loan amount.
- Repayment tenure: You can choose a tenure of up to 30 years, and a longer tenure lowers each monthly EMI.
- Type of interest rate: Your loan is on a floating rate, so the EMI can change when the applicable rate is revised.
- Loan amount: The EMI is calculated on the full ₹15 lakh you borrow, spread across your chosen tenure.
A longer tenure reduces your monthly EMI but increases the total interest you pay over the life of the loan, while a shorter tenure raises the EMI but helps bring the overall interest cost down. At Sammaan Capital you can spread a home loan over a tenure of up to 30 years, so you can set an instalment that sits comfortably alongside your other monthly expenses.
Understanding Home Loan EMI
Home Loan EMI Calculator assists in calculation of the loan installment i.e. EMI towards your home loan. It an easy to use calculator and acts as a financial planning tool for a home buyer.
It an easy to use calculator and acts as a financial planning tool for a home buyer.
Home Loan EMI Calculator assists in calculation of the loan installment i.e. EMI towards your home loan.
Why Choose Sammaan Capital
Sammaan at Our Core and Actions Sammaan Capital stands as a trusted partner, respecting and nurturing millions of dreams of home and business. With us, every handshake is a promise, and every loan a foundation of respect for uniting dreams with opportunities for all.
WE’VE HELPED OVER
1.4+ Million users
with their Home Loan requirements
One of the largest Mortgage-focused NBFCs in India
200+
Offices Across India
₹0.70 Trillion
Balance Sheet Size
25 Years+
Housing finance expertise
Know Your Numbers, Before You Apply
₹15 Lakh Home Loan EMI Based on Tenure
Here is an indicative EMI breakdown for a ₹15 lakh home loan across different tenures, calculated at an indicative rate of 8.75%* p.a. Actual EMI may vary based on the applicable interest rate.
| Tenure | Interest Rate | EMI per Month | Total Interest | Total Payable Amount |
|---|---|---|---|---|
| 5 years | 8.75% p.a. | ₹30,956 | ₹3,57,351 | ₹18,57,351 |
| 10 years | 8.75% p.a. | ₹18,799 | ₹7,55,882 | ₹22,55,882 |
| 15 years | 8.75% p.a. | ₹14,992 | ₹11,98,511 | ₹26,98,511 |
| 20 years | 8.75% p.a. | ₹13,256 | ₹16,81,359 | ₹31,81,359 |
| 25 years | 8.75% p.a. | ₹12,332 | ₹21,99,646 | ₹36,99,646 |
| 30 years | 8.75% p.a. | ₹11,801 | ₹27,48,182 | ₹42,48,182 |
Home Loan EMI for ₹15 Lakh
Here is how the monthly EMI on a ₹15 lakh home loan works out across different tenures, calculated at an indicative rate of 8.75%* p.a.
5 Year Tenure
₹30,956 per month
10 Year Tenure
₹18,799 per month
15 Year Tenure
₹14,992 per month
20 Year Tenure
₹13,256 per month
25 Year Tenure
₹12,332 per month
30 Year Tenure
₹11,801 per month
Plan Your ₹15 Lakh Home Loan with Confidence
Choosing the right home loan is an important financial decision. By understanding your EMI, interest rate, and tenure options, you can make informed choices that suit your long-term goals.
You can use the home loan EMI calculator to explore different scenarios and find a repayment plan that works best for you. You can also apply online to get personalised loan options based on your eligibility.
Interest rates, fees, and charges are indicative, subject to change at the company's discretion, and vary by applicant profile and credit assessment.
Documents Required for Home Loan
For all applicants Current Passport size photograph of all Applicants
Duly filled & signed Application Form
Proof of Identity: Aadhaar card/ Passport/ Driving License/ Voter ID PAN Card)
Property documents: True Copies, Sale Deed, Khata, Transfer of Ownership, NOC from builder / Housing Society (Original Copy), Land Tax Paid Receipt, Possession Certificate.
Processing Fee cheque
For Salaried Income Documents: Duly attested
Form 26AS
Form 16
Bank statement of last 6 months
Offer letter
For Self-employed Professional 2 years IT return with computation
Profit and loss of last 2 years
Qualification proof
Balance sheet of last 2 years
Bank statement of last 12 months
For Self-employed Non-professional 2 years IT Return with computation
Profit and loss of 2 years
Qualification proof
Balance sheet of 2 years
Bank statement of last 12 months
Gumasta license
For Merchant Navy / NRI Salary slips of last 6 months
Passport
1-year Bank statement for NRE/NRO Account
CDC (Continuous Discharge Certificate)
Last 3 years contract copy
Form 16 for 2 years with computation
Other Related Documents Sanction Letter / Account Statement of running loans and bank statements reflecting loan repayments
Bank statement for payment made to the builder (Own Contribution)
In case of recent employment, submit Form 16
If the property is decided then submit a photocopy of property title documents.
Current Passport size photograph of all Applicants
Duly filled & signed Application Form
Proof of Identity: Aadhaar card/ Passport/ Driving License/ Voter ID PAN Card)
Property documents: True Copies, Sale Deed, Khata, Transfer of Ownership, NOC from builder / Housing Society (Original Copy), Land Tax Paid Receipt, Possession Certificate.
Processing Fee cheque
Income Documents: Duly attested
Form 26AS
Form 16
Bank statement of last 6 months
Offer letter
2 years IT return with computation
Profit and loss of last 2 years
Qualification proof
Balance sheet of last 2 years
Bank statement of last 12 months
2 years IT Return with computation
Profit and loss of 2 years
Qualification proof
Balance sheet of 2 years
Bank statement of last 12 months
Gumasta license
Salary slips of last 6 months
Passport
1-year Bank statement for NRE/NRO Account
CDC (Continuous Discharge Certificate)
Last 3 years contract copy
Form 16 for 2 years with computation
Sanction Letter / Account Statement of running loans and bank statements reflecting loan repayments
Bank statement for payment made to the builder (Own Contribution)
In case of recent employment, submit Form 16
If the property is decided then submit a photocopy of property title documents.
Home Loan Processing Fees & Charges
Sammaan Capital offers competitive processing fees for home loan approval, along with
additional charges for transactions like balance transfer. Other fees include dishonored payment,
late payment, document retrieval, and specific property-related activities
Processing Fees
0.50% onwards of loan amount
Database Admin Fee (Including Taxes)
INR 650/- (plus applicable taxes and other bona fide levies, if any)
Stamping charges of loan agreement
As per actual, subject to state laws - to be borne by the borrower
Technical /Valuation and Legal opinion charges, SRO search charges, ROC search charges, non-encumbrance certificate from SRO charges
INR 3000/-
Stamping charges of other legal documents like indemnity bond, legal undertakings, legal affidavits, personal guarantee bond, power of attorney for NRI home loans etc.
As per actual, subject to state laws - to be borne by the borrower
Transaction handling charges in balance transfer/ resale loans
INR 2000/-
Registration charges for borrowers’ NACH / ECS mandate (loan repayment)
NIL
Cheque / NACH / ECS dishonor charges and/or Cheque/NACH returned/ Non-payment of EMI
INR 500/-
Penal Charges
In case of payment defaults - 24% (twenty four percent) per annum on outstanding of EMI/ Pre-EMI.In case of other defaults/Event of Default - 2% (two percent) per annum on the outstanding amount of loan
Charges for physical Statement of Account/ Amortization Schedule
INR 200/-
Income tax certificate in home loans
NIL
Complaint handling charges
NIL
Property Swap Charges (Swapping is at discretion of SCL)
INR 10000/-
Charges for Reissuance of pay order/ disbursement cheque revalidation
INR 500/-
Foreclosure statement Charges
INR 500/- (Nil, if requested once in quarter)
List of Documents
INR 1000/- (Nil, if requested within initial 6 months of 1st disbursement)
Retrieval charges for copies of loan/ property document in SCL custody
INR 750/-
Charges for certified true copies of title deeds from SRO, if applicable
As per actual
Original property documents retrieval for specific activity like production at SRO or development authority (on borrower request)
INR 5,000/- (plus applicable taxes and other bona fide levies, if any)
ROI switch fee
Home Loan - 25% onwards of the difference between the existing and revised rate
NeSL IU Service Charges
As per actuals charged by NeSL
Charges for non-collection of property documents beyond 30 days from the date of full repayment / settlement of the Loan
INR 500/- per month or part thereof
Repayment Mode/ Account Swap Charges
INR 500/-
Pre-Payment / Foreclosure Charges
3 Steps to Apply for a Home Loan
Click Apply to begin your home loan journey.
Begin your journey with just a few details. Our guided steps ensure a smooth start towards owning your dream home.
Hassle-Free Documentation
Start the documentation process effortlessly. Submit the necessary information and let us handle the rest.
Quick Sanction
Move swiftly from application to approval. Our quick sanction process ensures your dream home is just a few steps away.
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Frequently Asked Questions
Loans, eligibility, EMIs, documents, process, and support—explained simply.
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