A Standard Chartered Home Loan offers premium housing finance solutions for individuals seeking high-value property funding with flexible repayment options. With interest rates starting from 7.99% p.a., loan amounts ranging from ₹10 Lakhs to ₹35 Crores, and repayment tenure of up to 25 years, the bank caters to salaried professionals, self-employed individuals, and high-net-worth borrowers. Customers can choose between standard term loans, the innovative Home Saver overdraft facility, or balance transfer options. With transparent charges, doorstep service, and digital tracking facilities, Standard Chartered ensures a seamless and customer-centric home financing experience.
Standard Chartered Home Loan Highlights
Below is a quick snapshot of the key features and benefits of Standard Chartered Home Loans:
| Feature | Details |
| Starting Interest Rate | 7.99%* p.a. |
| Loan Amount | ₹10 Lakhs to ₹35 Crores |
| Maximum Tenure | Up to 25 Years |
| Prepayment Charges | NIL (Floating rate – individual borrowers) |
| Processing Fee | 0.5% to 1% of the sanctioned amount |
| Loan Options | Home Loan, Home Saver, Loan Against Property |
| Balance Transfer Facility | Available with a top-up option |
Standard Chartered Home Loan Interest Rates
The bank offers competitive floating and fixed-rate options depending on the borrower’s profile and product selection.
| Scheme | Interest Rate (p.a.) |
| Standard Home Loan | Starting from 7.99%* |
| Home Saver Loan | Starting from 7.99%* |
| Loan Against Property (LAP) | Market-linked rates |
| Balance Transfer | Attractive transfer rates |
Note: The final interest rate depends on credit profile, loan amount, and bank policy.
| Factors Influencing Standard Chartered Home Loan Interest Rates
The interest rate offered depends on multiple financial and market-related factors:
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Also Read: Impact of Repo rate Cut on Home Loan
Standard Chartered Home Loan Processing Fee & Charges
The bank maintains transparent and clearly defined charges across loan variants.
| Charge Type | Details |
| Processing Fee | 0.5% – 1% of the sanctioned loan amount |
| Prepayment (Floating – Individuals) | NIL |
| Pre-closure (Fixed/Non-individuals) | 2.5% of principal outstanding |
| LAP Pre-closure | 4% of principal outstanding |
| Part Prepayment (>25% principal) | 2.5% (Home Loan) / 4% (LAP) |
| Minimum Loan Amount | ₹10 Lakhs |
Compare Standard Chartered Home Loans Interest Rates with Top Home Loans
Below is a comparison of Standard Chartered Home Loan interest rates with other leading banks and NBFCs in India.
| Bank / NBFC Home Loan | Interest Rate (p.a.) |
| Standard Chartered Home Loan | 7.99%* onwards |
| ICICI Bank Home Loan | 7.65%* onwards |
| SBI Home Loan | 7.50%* onwards |
| HDFC Home Loan | 7.90%* onwards |
| Bank of Baroda Home Loan | 7.45%* onwards |
| Union Bank of India Home Loan | 7.45%* onwards |
| Axis Bank Home Loan | 8.35%* onwards |
| Kotak Mahindra Bank Home Loan | 7.70%* onwards |
| Federal Bank Home Loan | 8.75%* onwards |
| IDFC First Bank Home Loan | 8.85%* onwards |
Note: The interest rates mentioned above are indicative and subject to change based on the bank’s policy, borrower’s credit profile, and market conditions. For the most accurate and updated information, please visit the respective bank’s official website.
Standard Chartered Home Loan Eligibility
To qualify for a home loan, applicants must meet the following criteria:
- Residency: Resident Indians are eligible.
- Employment: Salaried individuals, self-employed professionals, business owners.
- Age: As per bank norms at application and loan maturity.
- Co-applicants: Spouse, parents, children, or siblings (if co-owners). Firms and companies can also apply.
- Repayment Capacity: Based on income stability and debt-to-income ratio.
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Documents Required for Standard Chartered Home Loan
Applicants must submit self-attested copies of the following documents:
KYC Documents
- PAN Card
- Aadhaar / Passport / Driving License
- Address proof
Income Proof (Salaried)
- Last 2–3 months’ salary slips
- Latest Form 16
- 3–6 months bank statements
Income Proof (Self-employed)
- Last 2 years ITR with computation
- CA-certified Balance Sheet & P&L
- Business bank statements (6 months)
Property Documents
- Agreement to Sell
- Title Deeds
- Property tax receipts
Balance Transfer Documents
- Sanction letter
- Outstanding statement
- List of documents held by the current lender
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Types of Standard Chartered Home Loan
Standard Chartered offers a range of home and property loan products designed to suit different financial needs, from buying your dream home to leveraging your property for liquidity. Below is an overview of the key home loan variants available.
Overview of Standard Chartered Home Loan Types
| Loan Type | Primary Purpose | Maximum Loan Amount |
| Standard Home Loan | Purchase or construction of residential property | Up to ₹35 Crores |
| Home Saver Loan | Overdraft-linked home loan to reduce interest burden | Up to ₹35 Crores |
| Loan Against Property (LAP) | Raise funds against residential/commercial property | Up to ₹10 Crores |
| Balance Transfer with Top-Up | Transfer existing home loan and get additional funds | Case-specific |
1. Standard Home Loan
This is the regular housing finance option for purchasing a ready or under-construction property, or constructing a home on owned land. Borrowers can avail financing from ₹10 Lakhs up to ₹35 Crores, with repayment tenure of up to 25 years. It offers competitive interest rates starting from 7.99% p.a. and zero prepayment charges for individuals on floating rate loans.
2. Home Saver Loan
The Home Saver is an innovative overdraft-linked home loan. It connects your loan account to a savings/overdraft account. Any surplus funds maintained in the linked account reduce the principal amount on which interest is calculated—helping you save significantly on interest and potentially close your loan faster. This product is ideal for borrowers with fluctuating income or periodic surplus funds.
3. Loan Against Property (LAP)
Under this scheme, you can mortgage your residential or commercial property to raise funds for personal or business purposes. The bank typically finances up to 70% of the property’s market value, with a maximum loan amount of ₹10 Crores. LAP is suitable for business expansion, education, medical expenses, or other large financial requirements.
4. Balance Transfer with Top-Up
If you already have a home loan with another bank, you can transfer the outstanding balance to Standard Chartered to benefit from competitive interest rates. Additionally, you may be eligible for a top-up loan, which provides extra funds over and above the transferred loan amount, subject to eligibility and property valuation.
Standard Chartered Home Loan EMI Calculator
You can easily estimate your monthly EMIs using the online calculator.
Steps to Use:
- Visit the Standard Chartered Home Loan page.
- Enter the desired Loan Amount.
- Select the Tenure (up to 25 years).
- Input the applicable Interest Rate.
- Instantly view your Monthly EMI and repayment schedule.
Apply for Standard Chartered Home Loan
Applying is convenient through digital and offline modes.
Steps to Apply:
- Visit the official website and click Apply Now.
- Fill in personal, employment, and property details.
- Choose a loan variant (Home Loan, Home Saver, LAP).
- Upload required documents or opt for doorstep collection.
- Bank verifies credit and property documents.
- Receive the sanction letter upon approval.
- Loan amount disbursed as per the agreement.
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Track Standard Chartered Home Loan Application Status
You can track your loan application using the following methods:
- Visit the bank’s website and click Track Your Loan Application.
- Enter your application reference number.
- View current processing stage.
- Alternatively, contact customer care or visit a branch.
Standard Chartered Home Loan Customer Care
For assistance, reach out through the following channels:
| Channel | Contact Information |
| Phone Banking | 24×7 helpline via the official website |
| Email Support | customer.care@in.sc.com |
| Branch Network | Visit the nearest branch across India |
| Website | www.sc.com/in |
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