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Personal, home, vehicle & other loans

Star Home Loan

A Bank of India home-loan facility for purchase, construction, renovation, takeover and solar or smart-home projects, with repayment up to 360 months.

Interest rateStarts from 7.10% p.a.; linked to CIBIL score and calculated on a daily reducing balance.Maximum financeNo universal maximum loan amount is stated; sanction is based on the Bank’s eligibility calculation and repayment-capacity assessment.Maximum tenureUp to 360 months; a holiday or moratorium up to 36 months is also stated for eligible construction cases.
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Quick eligibility check

Star Home Loan

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you this type of customer: Resident individuals, and are listed?

Published source: Eligibility

2Are you this type of customer: applicants may be salaried, self-employed or professionals?

Published source: Eligibility

3Do you meet this requirement: Eligible groups, and corporates are listed for non-individual cases?

Published source: Eligibility

4Do you meet this requirement: trusts are excluded?

Published source: Eligibility

5Does your age meet this requirement: Maximum age is 70 years at final repayment and co-applicant income may be considered?

Published source: Eligibility

6Does your annual income meet this requirement: No fixed salary or annual-income floor is published?

Published source: Minimum income

7Does your annual income meet this requirement: Income proof is required and co-applicant income may be considered?

Published source: Minimum income

8Does your age meet this requirement: Maximum age 70 years at final repayment?

0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byBank of India

India and eligible / applicants; subject to Bank terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan purposePurchase, construction, extension, renovation, furnishing, takeover, solar photovoltaic and Smart Home Loan overdraft purposes are listed.View source
The official feature list names the permitted housing and related purposes.
Source
Star Home Loan — Bank of India
Page / section
Features / Advantages
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum financeNo universal maximum loan amount is stated; sanction is based on the Bank’s eligibility calculation and repayment-capacity assessment.View source
The reviewed page describes eligibility and repayment-capacity assessment but does not state one universal maximum amount.
Source
Star Home Loan — Bank of India
Page / section
Features / Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateStarts from 7.10% p.a.; linked to CIBIL score and calculated on a daily reducing balance.View source
The rate section publishes the starting rate, linkage and daily reducing-balance method.
Source
Star Home Loan — Bank of India
Page / section
Rate of Interest & Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum tenureUp to 360 months; a holiday or moratorium up to 36 months is also stated for eligible construction cases.View source
The official page states maximum repayment of 360 months and holiday/moratorium up to 36 months.
Source
Star Home Loan — Bank of India
Page / section
Features / Advantages
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeIndividuals: 0.35% of loan amount, minimum ₹1,500 and maximum ₹35,000. Non-individuals: 0.50%, minimum ₹3,000 and maximum ₹40,000.View source
The charges section publishes separate individual and non-individual percentage, minimum and maximum amounts.
Source
Star Home Loan — Bank of India
Page / section
Rate of Interest & Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
PrepaymentNo prepayment penalty is published for this product.View source
The official advantages list says there is no prepayment penalty.
Source
Star Home Loan — Bank of India
Page / section
Advantages
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilityResident individuals, NRIs and PIOs are listed; applicants may be salaried, self-employed or professionals. Eligible groups, HUFs and corporates are listed for non-individual cases; trusts are excluded. Maximum age is 70 years at final repayment and co-applicant income may be considered.View source
The eligibility section lists resident// and borrower classes, age, co-applicant income and trust exclusion.
Source
Star Home Loan — Bank of India
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo fixed salary or annual-income floor is published. Income proof is required and co-applicant income may be considered.View source
The reviewed page lists proof requirements and repayment-capacity assessment but no numeric income floor.
Source
Star Home Loan — Bank of India
Page / section
Eligibility / Documents
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR figure or APR methodology is published; the page publishes the starting interest rate and processing charge only.View source
The reviewed rate section gives and charges but no calculation.
Source
Star Home Loan — Bank of India
Page / section
Rate of Interest & Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Pricing basisThe published starting rate is linked to the borrower’s CIBIL score and calculated on a daily reducing balance. No separate named benchmark is published on the reviewed page.View source
The official rate section links to score and daily reducing balance, but does not name an , repo or other benchmark.
Source
Star Home Loan — Bank of India
Page / section
Rate of Interest & Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureA Bank of India home-loan facility for purchase, construction, renovation, takeover and solar or smart-home projects, with repayment up to 360 months.View source
The manually reviewed product summary states: “A Bank of India home-loan facility for purchase, construction, renovation, takeover and solar or smart-home projects, with repayment up to 360 months.”.
Source
Star Home Loan — official product page
Page / section
Published loan terms in product summary
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Free accidental insurance up to ₹5 crore is stated
  • Co-applicant income may be considered
  • No prepayment penalty published

Eligibility

  • Maximum age 70 years at final repayment.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Salary slips/ or self-employed financial statements and property documents as required by the Bank.

Related official documents

Star Home Loan — official product pageofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

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Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Purposes · Published detailPurchase, construction, renovation, takeover, solar PV and Smart Home Loan

This value is copied from Star Home Loan — published terms. Check the table notes before relying on it.

Source: Star Home Loan — Bank of India · Features / Eligibility / Rate of Interest & Charges / Documents Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsStar Home Loan — published termsTerms reproduced from the official product page.View tableHide table

Scroll sideways to view every column

Star Home Loan — published terms
ParameterPublished detail
PurposesPurchase, construction, renovation, takeover, solar PV and Smart Home Loan
Rate7.10% p.a. onwards; linked to score; daily reducing balance
TenureUp to 360 months; holiday/moratorium up to 36 months
Processing — individual0.35%; minimum ₹1,500; maximum ₹35,000
Processing — non-individual0.50%; minimum ₹3,000; maximum ₹40,000
AgeUp to 70 years at final repayment
Income thresholdNo fixed rupee minimum published; co-applicant income may be considered
PrepaymentNo prepayment penalty published
Star Home Loan — Bank of India · Features / Eligibility / Rate of Interest & Charges / Documents · accessed 30 Aug 2026Open official source ↗

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