🇮🇳 India

Reliance Home Finance Last updated2026-05-28

Reliance Home Finance EMI Calculator 2026 rates.

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Quick answer

Reliance Home Finance home loan rate starts at 11% (typical 13%) as of 2026. A ₹50 lakh loan at 13% over 20 years = an EMI of approximately ₹58,579/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

Reliance Home Finance loan rates (May 2026)

🏠 Home Loan

11–16%

typical: 13% p.a.

💵 Personal Loan

12–18%

typical: 13.5% p.a.

🚗 Car Loan

9.5–13%

typical: 10.5% p.a.

💳 Processing Fee

Variable, generally 1-2% of loan amount for restructured/legacy book servicing. New lending is minimal as of 2026.

🔁 Prepayment

Zero foreclosure on floating-rate individual home loans (RBI mandated) for existing legacy customers. Fixed-rate loans subject to original sanction terms.

About Reliance Home Finance

Why choose Reliance Home Finance?

Reliance Home Finance, incorporated in 2008 as part of the erstwhile Anil Ambani-led Reliance Capital group, faced severe financial stress from 2019 onwards along with the broader Reliance Capital insolvency. After a multi-year resolution process under the RBI-supervised IBC framework, Reliance Capital and its subsidiaries (including Reliance Home Finance) were acquired by Authum Investment & Infrastructure Limited in 2024 as part of a comprehensive resolution plan. The legacy home loan book has been significantly written down and restructured, with new lending currently minimal as the resolved entity focuses on legacy-book recovery and management transition. Borrowers should treat this entity with caution and verify the status of any new lending offerings.

🎯 Unique angle

Reliance Home Finance is a post-resolution HFC under new ownership (Authum Investment) following the Anil Ambani-led Reliance Capital insolvency. New lending is minimal as of 2026, the entity primarily services its legacy restructured book. Borrowers seeking fresh home loans should evaluate other HFCs first.

Product highlights

✓ Legacy Home Loan Servicing (existing customers)
✓ Restructured Loan Account Management
✓ Loan Against Property (legacy book)
✓ Construction Finance (legacy)
✓ NRI Home Loan (legacy)

❓ Reliance Home Finance FAQ

Common questions.

Is Reliance Home Finance still operational in 2026?

Reliance Home Finance is now under the ownership of Authum Investment & Infrastructure Limited following the 2024 conclusion of the IBC resolution process for the erstwhile Anil Ambani-led Reliance Capital group. The entity primarily services its legacy restructured loan book, new home loan lending is minimal as of 2026 while the resolved entity focuses on recovery and operational transition. Borrowers seeking fresh home loans should approach mainstream HFCs or banks instead.

I am an existing Reliance Home Finance borrower: what should I do?

Existing borrowers continue to make EMI payments on the original loan terms (or post-restructuring revised terms) through the resolved entity now controlled by Authum Investment. Property mortgage and loan documentation remain legally valid. Borrowers eligible for floating-rate prepayment can foreclose without penalty per RBI mandate. Many existing borrowers are also choosing to balance-transfer to mainstream HFCs/banks for better service and rates.

How does Reliance Home Finance compare to other HFCs today?

Reliance Home Finance today is a resolution-phase entity and is not actively competing for new home loan business at scale. Borrowers seeking fresh home loans in 2026 are far better served by mainstream HFCs (LIC Housing, Bajaj Housing, Tata Capital Housing, PNB Housing) or banks (SBI, HDFC Bank, ICICI). The legacy Reliance Home Finance situation is a useful reminder to evaluate HFC credit ratings and promoter quality before borrowing.

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