🇮🇳 India

Five Star Finance Last updated2026-05-28

Five Star Finance EMI Calculator 2026 rates.

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Quick answer

Five Star Finance home loan rate starts at 16% (typical 19%) as of 2026. A ₹50 lakh loan at 19% over 20 years = an EMI of approximately ₹81,034/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

Five Star Finance loan rates (May 2026)

🏠 Home Loan

16–24%

typical: 19% p.a.

💵 Personal Loan

16–26%

typical: 20% p.a.

🚗 Car Loan

16–24%

typical: 19% p.a.

💳 Processing Fee

2.5% of loan amount (capped at Rs. 25000)

🔁 Prepayment

Zero foreclosure charges on floating-rate home loans per RBI guidelines. 2-5% charges on fixed-rate, vehicle, and personal loans in early tenure, reducing over time.

About Five Star Finance

Why choose Five Star Finance?

Five Star Business Finance is a niche NBFC that lends exclusively to small business owners and self-employed in tier-3/4 cities, with average ticket size of Rs. 3-5 lakh secured by self-occupied residential property. Post its 2022 IPO, it has scaled to AUM over Rs. 9,000 crore with industry-leading NIMs of 17%+, serving customers banks consider too small or informal.

🎯 Unique angle

Product highlights

✓ small business owners
✓ self-employed in tier-3/4 cities
✓ kirana store owners
✓ micro-enterprise borrowers

❓ Five Star Finance FAQ

Common questions.

Who should apply for a Five Star Finance loan?

Five Star Finance is purpose-built for small business owners (kirana, dairy, vegetable vendors, small manufacturers) in tier-3/4 cities and semi-urban areas with annual turnover Rs. 5-50 lakh. They serve customers who lack formal documentation or credit history but own residential property.

How does Five Star compare to banks and large NBFCs?

Rates are significantly higher (16-24%) than banks (9-12%) and even big NBFCs (12-15%) because Five Star targets unbanked, informal-sector micro-enterprises that no traditional lender will serve. Their underwriting is based on physical site visit, cash flow assessment, and local references over CIBIL or ITRs.

What is the eligibility for Five Star Finance?

Age 25-65, minimum 3 years in same business, ownership of self-occupied residential property as collateral, and stable cash flows visible from physical verification. Loan amounts range Rs. 1-25 lakh against property value, with maximum LTV of 50%.

What is the processing time at Five Star Finance?

Loans typically take 7-15 working days due to mandatory physical site visit, property valuation, and reference checks. Each loan involves at least 2 branch officer visits to applicant's business and home before sanction.

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