Smart EMI Calculator
Loan: ₹35.0L • Rate: 6.5% • Term: 20 Yrs
Compare Leading Bank Interest Rates & EMIs (2026)
Simulate ₹35.0L over 20 Yrs across India's top lending institutions.
| Bank / Institution | Interest Rate | Est. Monthly EMI | Total Interest | Action |
|---|---|---|---|---|
| State Bank of India (SBI) | 8.40% | ₹30,153 | ₹37,36,720 | |
| HDFC Bank Home Loan | 8.50% | ₹30,374 | ₹37,89,760 | |
| Punjab National Bank (PNB) | 8.45% | ₹30,263 | ₹37,63,120 | |
| Bank of Baroda (BoB) | 8.40% | ₹30,153 | ₹37,36,720 | |
| ICICI Bank Home Loan | 8.75% | ₹30,930 | ₹39,23,200 | |
| BFS Special Partner PoolBEST OFFER | 7.15% | ₹27,451 | ₹30,88,240 |
About NRI Home Loan
For Non-Resident Indians (NRIs), Persons of Indian Origin (PIOs), and Overseas Citizens of India (OCIs), investing in Indian real estate is not just a financial decision; it's a profound emotional connection to their roots. Bhardwaj Financial Services recognizes the unique challenges faced by global Indians and offers specialized NRI Home Loans designed to bridge the geographic divide seamlessly.
We offer an end-to-end digital application process that respects your time zones and busy schedules. From secure online document submission to video KYC, you can process your entire loan application from the comfort of your home abroad. For physical execution of property documents, we seamlessly facilitate the Power of Attorney (POA) process, allowing a trusted relative in India to act on your behalf.
NRI Home Loans can be used to purchase a ready-to-move-in house, an under-construction apartment, or even for home renovation. Repayment is strictly governed by FEMA regulations and must be processed in Indian Rupees (INR) through normal banking channels by remitting funds from abroad into your NRE or NRO accounts, or via rental income generated by the property itself.
Key Benefits
- 100% digital onboarding, document submission, and Video KYC.
- Seamless Power of Attorney (POA) facilitation for remote execution.
- Competitive interest rates on par with resident Indian home loans.
- Dedicated relationship managers accustomed to operating across international time zones.
- Expert advisory on FEMA guidelines and Indian real estate regulations.
- Flexible repayment options via NRE, NRO, or FCNR accounts.
Why Choose Our NRI Home Loan?
We partner with top banks to bring you unbeatable terms, transparency, and zero hidden charges.
Digital & Remote Process
End-to-end digital application, document upload, and video KYC means you don't need to travel to India for processing.
Power of Attorney (POA)
Nominate a trusted relative in India as your POA to execute documents locally on your behalf.
Advisory Services
Assistance with Indian property laws, FEMA regulations, and real estate developer verification.
Who Can Apply?
- 1Status: Must hold a valid Indian Passport or PIO/OCI card.
- 2Work Experience: Minimum 2 years of overseas work experience (or 1 year for Gulf countries).
- 3Bank Account: Must have an active NRE or NRO account in India.
Document Checklist
NRI Specific Documents
- Copy of Passport and Visa
- Work Permit / Employment Contract
- Overseas bank statements (6 months)
- NRE/NRO account statements