🇮🇳 India

Edelweiss Housing Finance Last updated2026-05-28

Edelweiss Housing Finance EMI Calculator 2026 rates.

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Quick answer

Edelweiss Housing Finance home loan rate starts at 10.25% (typical 11.5%) as of 2026. A ₹50 lakh loan at 11.5% over 20 years = an EMI of approximately ₹53,321/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

Edelweiss Housing Finance loan rates (May 2026)

🏠 Home Loan

10.25–15%

typical: 11.5% p.a.

💵 Personal Loan

12–18%

typical: 13.5% p.a.

🚗 Car Loan

9.5–13%

typical: 10.5% p.a.

💳 Processing Fee

1.0-2.0% of loan amount (min ₹5,000) for home loans. LAP attracts 1.5-2.5%.

🔁 Prepayment

Zero foreclosure on floating-rate individual home loans (RBI mandated). 2-4% on fixed-rate and non-individual loans.

About Edelweiss Housing Finance

Why choose Edelweiss Housing Finance?

Edelweiss Housing Finance, incorporated in 2008, is a subsidiary of Nuvama Wealth Management and the broader Edelweiss group founded by Rashesh Shah. Following the Edelweiss group's post-2019 strategic restructuring (which included demergers of asset management, wealth management, and life insurance businesses), Edelweiss Housing Finance has been deliberately operating as a smaller, more focused HFC with an AUM of approximately ₹3,000 crore. The company focuses on mass-affluent self-employed and salaried borrowers in metros and Tier-1 cities, with average ticket sizes of ₹30-50 lakh, and carries A+/AA- ratings.

🎯 Unique angle

Edelweiss Housing Finance is a deliberately small, prime-borrower-focused HFC post the Edelweiss group restructuring, with a niche in self-employed mass-affluent borrowers in Mumbai, Delhi-NCR, Bengaluru, and Pune who value relationship-based underwriting over price.

Product highlights

✓ Edelweiss Home Loan (Salaried/Self-Employed)
✓ Loan Against Property (LAP)
✓ Home Loan Balance Transfer with Top-Up
✓ NRI Home Loan
✓ Plot + Construction Composite Loan

❓ Edelweiss Housing Finance FAQ

Common questions.

How is Edelweiss Housing Finance different from a bank home loan?

Edelweiss Housing Finance is a focused, mid-sized HFC regulated by RBI/NHB that emphasises relationship-driven underwriting for mass-affluent self-employed borrowers in metros. Unlike banks, it can flex on documentation, accept varied income structures (LLP, partnership, professional practice), and offer faster sanctions for ₹30 lakh-₹2 crore tickets. Rates are typically 75-150 bps above SBI/HDFC Bank on equivalent profiles.

Who should choose Edelweiss Housing Finance?

Mass-affluent self-employed professionals (doctors, CAs, lawyers, consultants), business owners, and salaried professionals in Mumbai, Delhi-NCR, Bengaluru, and Pune seeking ₹30 lakh-₹2 crore home loans, who value relationship-based service and faster sanctions over the absolute lowest rate.

Is Edelweiss Housing Finance safe given the Edelweiss group restructuring?

Edelweiss Housing Finance carries A+/AA- ratings and remained well-capitalized through the broader Edelweiss group's 2019-2023 strategic restructuring (which was a deliberate demerger of businesses, not a distress event). It is regulated by RBI/NHB, GNPA is maintained below 3%, and home loan customer security is fully backed by property mortgage. Borrowers seeking the highest possible HFC credit rating should compare against AAA-rated peers (Bajaj Housing, LIC Housing).

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