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Sammaan Capital (Indiabulls Housing) Last updated2026-05-28

Sammaan Capital (Indiabulls Housing) EMI Calculator 2026 rates.

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Quick answer

Sammaan Capital (Indiabulls Housing) home loan rate starts at 9.75% (typical 10.5%) as of 2026. A ₹50 lakh loan at 10.5% over 20 years = an EMI of approximately ₹49,919/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

Sammaan Capital (Indiabulls Housing) loan rates (May 2026)

🏠 Home Loan

9.75–14.5%

typical: 10.5% p.a.

💵 Personal Loan

12–18%

typical: 13.5% p.a.

🚗 Car Loan

9.5–13%

typical: 10.5% p.a.

💳 Processing Fee

0.5-1.5% of loan amount (min ₹10,000) for retail home loans. Construction-finance and LAP attract 1-2%.

🔁 Prepayment

Zero foreclosure on floating-rate individual home loans per RBI/NHB norms. 2-4% on fixed-rate loans and corporate developer loans.

About Sammaan Capital (Indiabulls Housing)

Why choose Sammaan Capital (Indiabulls Housing)?

Sammaan Capital, the rebranded entity of Indiabulls Housing Finance, was renamed in 2024 as part of a strategic reset under the new management led by Gagan Banga. Originally founded in 2005 as a high-growth wholesale-and-retail HFC, the company peaked at an AUM of over ₹1.3 lakh crore before the 2019 ILFS/DHFL contagion exposed its over-reliance on wholesale developer lending. Post-restructuring, the loan book has been actively deleveraged to approximately ₹70,000 crore, with the mix now tilted toward retail home loans and away from corporate developer exposure. The company is listed on BSE/NSE and has undergone significant board restructuring and capital infusion.

🎯 Unique angle

Sammaan Capital (Indiabulls Housing) is a turnaround HFC with a deliberately smaller, retail-focused book post-2019 stress — borrowers benefit from aggressive pricing as the company rebuilds market share, but should compare against larger HFCs given the legacy stress narrative.

Product highlights

✓ Sammaan Home Loan (formerly Indiabulls Home Loan)
✓ Loan Against Property (LAP)
✓ Home Loan Balance Transfer
✓ NRI Home Loan
✓ Plot Loan

❓ Sammaan Capital (Indiabulls Housing) FAQ

Common questions.

Is Sammaan Capital the same as Indiabulls Housing Finance?

Yes — Sammaan Capital is the new corporate name adopted in 2024 by the entity formerly known as Indiabulls Housing Finance Limited. The PAN, listing, and legal identity remain the same; only the brand has been changed as part of management's post-restructuring repositioning. Existing Indiabulls home loan customers are now Sammaan Capital customers with no change to loan terms.

Who is Sammaan Capital best suited for as a home loan borrower?

Sammaan Capital today is best for mass-affluent salaried and self-employed borrowers in Tier-1/Tier-2 metros looking for ₹25 lakh-₹2 crore tickets, who value faster sanction speed and are comfortable with an HFC rebuilding its retail franchise. Borrowers seeking the lowest possible rate should still benchmark against SBI, HDFC Bank, and LIC Housing.

Is Sammaan Capital safe given the past Indiabulls stress?

Sammaan Capital has materially deleveraged since 2019, brought down its wholesale developer book, raised fresh capital, and maintains AA-/A+ credit ratings (lower than top-tier HFCs but stable). It is regulated by RBI/NHB and listed on BSE/NSE. Customer home loans remain fully secured by property mortgage regardless of HFC-level credit views — solvency risk does not transfer to retail borrowers, but the company's rate-card may be higher than peers as a reflection of its rating.

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