Incorporated in 1999, Sundaram Home Finance Ltd is a Non-Banking Finance Company ( NBFC ) engaged in providing home financing services in India. A subsidiary of Sundaram Finance Limited, Sundaram Home Finance provides housing finance to meet the long term needs of individuals and others for construction/purchase of dwelling units. They offers finance for purchase of a new house/apartment, resale of a house/apartment and self-construction of an independent house. They also offer home extension loans for building additional rooms or additional floors to your existing house and home improvement loans for carrying out of external or internal repairs, painting of the house etc.
Sundaram Finance Limited (SFL) and BNP Paribas Personal Finance had a joint venture agreement on 9th of May 2007 and they renamed as Sundaram BNP Paribas Home Finance Limited. But later as per agreement dated 21st June 2019, Sundaram Finance Limited has acquired the shares held by BNP Paribas Personal Finance and the name of the Sundaram Finance's Home Finance Subsidiary has been changed to Sundaram Home Finance Ltd effective 18th November 2019.
SHFL also offers a low-cost property insurance scheme in association with Royal Sundaram Alliance Company Limited. That Insurance scheme protected against the perils like Fire, Lightning, Explosion / Implosion, Aircraft damage, Storm, cyclone, flood, Bush fire, Earthquake etc.
Customers availing home loans from Sundaram Home Finance are eligible for tax benefits on interest on Home Loans, as per the provisions of the Income-tax Act, 1961.
| Year Ending | Profit Before Tax (? in Lakhs) | Profit After Tax (? in Lakhs) | Dividend (%) | Dividend Amount (? in Lakhs) |
| 31.03.2019 | 22417.16 | 14547.84 | 35% | 3543.91 |
| 31.03.2018 | 21182.76 | 14442.11 | 35% | 3543.91 |
| 31.03.2017 | 23656.55 | 15364.93 | 35% | 3543.91 |
| Company Name | Sundaram Home Finance Limited |
| FD Type | Cumulative, Non Cumulative |
| Tenor | 12 months to 60 months |
| Rating | 'FAAA' By CRISIL |
| Minimum Amount (INR) | 10,000 per account |
| Additional in multiple of | 1000 |
| Interest Rates (Min) | 6.75% p.a. |
| Interest Rates (Max) | 7.00% p.a. |
| Additional Interest For Senior Citizens | +0.50% |
| Additional Interest For Employee | |
| Additional Interest For Others | |
| Interest Payment Dates | Monthly: Last day of each month Quarterly: 31st Mar, 30th Jun, 30th Sep, 31st Dec Half-yearly: 31st Mar, 30th Sep Annual: 31st Mar |
| Auto-Renewal Facility | Yes |
| Renewal Rate Benefit | |
| Multi Deposit Facility | Yes |
| NRI Allowed | No |
| Loan against FD Available? | Yes |
| Invest Using Debit Card | No |
| Interest on Loan (Yearly) | 2% above the interest rate |
| CFD Calculator | |
| Online Application Process | Yes |
| Regular Income Scheme | ||||
| Term | Senior Citizens | Individuals Other Than Senior Citizens | ||
| Monthly (% p.a.) | Quarterly (% p.a) | Monthly (% p.a) | Quarterly (% p.a.) | |
| 12 Months | - | 7.00% | - | 6.75% |
| 18 Months | - | 7.00% | - | 6.75% |
| 24 Months | - | 7.25% | - | 7.00% |
| 36 Months | 7.21% | 7.25% | 6.96% | 7.00% |
| 48 Months | 7.21% | 7.25% | 6.96% | 7.00% |
| 60 Months | 7.21% | 7.25% | 6.96% | 7.00% |
This offer is rated 'FAAA' by CRISIL. This indicates High Degree of Safety.
Cheque should be drawn in favour of " Sundaram Home Finance Limited" and marked " Account Payee only"
Bank Account details
Beneficiary Name: HDFC LTD
Account Number: 00040350000905
Bank Name: HDFC Bank Ltd, ITC Centre, Chennai
IFSC Code: HDFC0000004
Sundaram Home Finance Limited
Sundaram Towers,
No. 46, Whites Road,
Royapettah, Chennai - 600 014
Phone: 2851 5267
Email: depositorcare@sundaramhome.in
Website: http://www.sundaramhome.in
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| CFD Name | Sundaram Home Finance Limited |
| CFD Rating | 'FAAA' By CRISIL |
| Minimum Amount (INR) | 10,000 per account |
| Additional in multiple of | 1000 |
| CFD Interest Rates (Min) | 7.00% p.a. |
| CFD Interest Rates (Max) | 6.75% p.a. |
| Additional Interest For Senior Citizens | +0.50% |
| Additional Interest For Others | |
| Interest Payment Dates | Monthly: Last day of each month Quarterly: 31st Mar, 30th Jun, 30th Sep, 31st Dec Half-yearly: 31st Mar, 30th Sep Annual: 31st Mar |
| Regular Income Scheme | ||||
| Term | Senior Citizens | Individuals Other Than Senior Citizens | ||
| Monthly (% p.a.) | Quarterly (% p.a) | Monthly (% p.a) | Quarterly (% p.a.) | |
| 12 Months | - | 7.00% | - | 6.75% |
| 18 Months | - | 7.00% | - | 6.75% |
| 24 Months | - | 7.25% | - | 7.00% |
| 36 Months | 7.21% | 7.25% | 6.96% | 7.00% |
| 48 Months | 7.21% | 7.25% | 6.96% | 7.00% |
| 60 Months | 7.21% | 7.25% | 6.96% | 7.00% |
| Cumulative Deposit Scheme | ||||
| Term | Senior Citizens | Individuals Other Than Senior Citizens | ||
| Rate % p.a.(at Quarterly rests) | Effective Yield % p.a. | Rate % p.a.(at Quarterly rests) | Effective Yield % p.a. | |
| 12 Months | 7.00% | 7.20% | 6.75% | 6.90% |
| 18 Months | 7.00% | 7.33% | 6.75% | 7.07% |
| 24 Months | 7.25% | 7.75% | 7.00% | 7.45% |
| 36 Months | 7.25% | 8.03% | 7.00% | 7.70% |
| 48 Months | 7.25% | 8.33% | 7.00% | 8.00% |
| 60 Months | 7.25% | 8.64% | 7.00% | 8.30% |
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