Preferential rates on home loans starting at 9%*.
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  • Standard Chartered offers loans for salaried and self-employed individuals with a wide range of tenure, from 5 years to 25 years

Additional Benefits

Insurance Products
  • Home Loan Protector

    Home Loan Protector is a product, which protects your family from the burden of repayment of the home loan in the unfortunate event of your death.

  • Home Protector

    HHP plan combines property and home content insurance in one policy. You can choose to take insurance for combinations of these components or for a single component. Home contents offers insurance for the belongings of the customer inside the house. Home Protector covers the property from damage due to natural calamities.

Refinance your loan
  • Transfer your existing high interest loan to a lower interest Standard Chartered Bank home loan (as per the applicable current rates) and save on interest. We will also finance the prepayment charges if you so wish.
Tax Benefits
  • Interest paid on the Home Loan,

    As per Sec 24(b) of the Income Tax Act, 1961 a deduction up to Rs. 200,000/- towards the total interest payable on the home loan towards purchase / construction of house property can be claimed while computing the income from house property. (The deduction amount is Rs 30,000/- in case of loans taken prior to March 1, 1999). The interest payable for the pre-acquisition or pre-construction period would be deductible in five equal annual instalments commencing from the year in which the house has been acquired or constructed.

    In case of self-occupied property, this deduction is allowed only for one such self-occupied property. The interest towards home loan taken for purchase, construction, repairs, renewal or reconstruction of house property is eligible for deduction under section 24(b).

  • Principal repayment of the Home Loan

    As per Section 80C read with section 80CCE of the Income Tax Act, 1961 the principal repayment up to Rs. 150,000 on your home loan will be allowed as a deduction from the gross total income subject to fulfilment of prescribed conditions.
Top Up Loan

A Home Loan with Standard Chartered Bank lets you do more than just buy a home. We also offer our existing Home Loan customers a Top Up Loan, which is a loan facility over and above their existing loan. So, if you have taken a Home Loan with us and are now in need of additional funding, a Top Up Loan is the answer for you. Whether you want to buy a new home theatre system, renovate your home, or finance your child’s education, a top up on your Home Loan allows you to meet your needs at attractive interest rates.

  • A Home Loan customer who has been making repayments for more than 6 months is eligible to apply for a top up
  • You can apply for a top up of up to 100% of the original loan amount disbursed*
  • The top up tenure can be up to the outstanding tenure on your existing home loan
  • Lower Costs: Compared to other alternatives such as personal loans, a top up gives you a better deal when it comes to interest rates and processing fees, so you can leverage your existing home loan to help you save costs
  • Convenient Repayment Plan: A Top Up Loan allows you to repay over a longer tenure compared to a personal loan, helping you to keep your monthly outflow low.
  • You also have the option of transferring your existing loan to Standard Chartered Bank and availing a Top Up Loan along with the transfer. Call our phone banking lines now to learn more.
    * Other restrictions also apply


    • How do I apply for a Standard Chartered Home Loan?
      You can apply online or get in touch with us by calling in at our phone banking number, write to us at, or visit our Branches
    • What are the maximum and minimum loan amounts that can be availed?
      The loan amount can go up to Rs. 15 crore, depending on your repayment capacity, and the city where the loan is disbursed. The minimum loan amount that can be availed is Rs. 10 lakhs.
    • What is the amount of processing fees that I have to pay?
      Processing fees may vary from 0.5% to 1% of the sanctioned loan amount depending on the scheme you choose.
    • Who can be a co-applicant on the home loan?
      You can include your immediate relatives (spouse, parents, or children) as co-applicants on the loan. Siblings can be co-applicants if they are co-owners to the property. You also have the option of including proprietor concerns, partnership firms, private limited companies, and closely held limited companies as co-applicants.
    • Will Standard Chartered Bank refund my processing fee?
      If we are unable to sanction the loan to you, the processing fees minus Rs. 2,000 will be refunded to you. If your loan is approved, the processing fees will not be refunded.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.