Transparent, Affordable, and Designed for Real Estate Developers
At Rohini Financial Services, we believe in providing transparent and competitive financing for builders, contractors, and real estate developers. Our Builder’s Loan comes with flexible interest rates, low processing fees, and clear terms — ensuring that you can focus on construction, not paperwork.
💰 Builder’s Loan Interest Rate Details
| Loan Type | Interest Rate (per annum) | Tenure | Loan Amount |
|---|---|---|---|
| Builder’s Loan | 10.99% – 17.50% p.a. | Up to 10 years (120 months) | ₹10 lakh – ₹10 crore |
💡 The exact rate of interest depends on the borrower’s profile, project size, repayment capacity, and credit score.
⚙️ Additional Fees and Charges
| Particulars | Charges / Details |
|---|---|
| Processing Fee | Up to 2% of the sanctioned loan amount |
| Documentation Charges | As applicable (minimal) |
| Prepayment Charges | 2% – 4% if closed before 12 EMIs |
| Part Payment Charges | Nil, after completion of 12 EMIs |
| Loan Cancellation Fee | ₹1,000 or as per policy |
| Late Payment Penalty | 2% per month on overdue EMI |
| Cheque Bounce / ECS Return Charges | ₹500 per instance |
| Statement / Document Retrieval Fee | ₹200 per request |
| Stamp Duty & Legal Charges | As per state government norms |
🧾 Example of EMI Calculation
| Loan Amount | Interest Rate | Tenure | Approx. EMI |
|---|---|---|---|
| ₹50,00,000 | 11% p.a. | 60 months | ₹1,08,725 |
| ₹1,00,00,000 | 11.5% p.a. | 84 months | ₹1,76,423 |
| ₹2,00,00,000 | 12% p.a. | 120 months | ₹2,87,682 |
📈 The EMI values above are indicative. Use our Builder’s Loan EMI Calculator to get accurate results based on your preferred loan terms.
💡 Key Benefits of Our Interest Policy
- ✅ Fixed or floating rate options available
- ✅ Interest charged only on utilized amount (for milestone-based disbursal)
- ✅ Transparent pricing with no hidden deductions
- ✅ Attractive offers for repeat customers or bulk funding
- ✅ Balance transfer facility available for existing builder loans