Home Loans

Compare home loan interest rates from top banks in India

⚠️

Disclaimer: Interest rates, loan amounts, processing fees, and approval are subject to the respective bank's/lender's policies, eligibility criteria, and credit assessment. The information shown is indicative and may vary.

SBI Home Loan

SBI Home Loan Home Loan

Interest Rate8.40% - 9.65%

Loan AmountUp to ₹10 Crore

TenureUp to 30 years

Processing Fee0.35% (Min ₹2,000, Max ₹10,000)

LTV (Loan-to-Value)Up to 90% (for loans up to ₹30L)

EligibilitySalary >₹25k/month, Age 18-70

✓ No pre-payment penalty on floating rate✓ Special rates for women borrowers (0.05% concession)✓ Balance transfer facility available✓ Pradhan Mantri Awas Yojana (PMAY) subsidy eligible✓ Doorstep service for documentation

HDFC Home Loan

HDFC Home Loan Home Loan

Interest Rate8.35% - 9.50%

Loan AmountUp to ₹10 Crore

TenureUp to 30 years

Processing Fee0.50% or ₹3,000 (whichever is higher)

LTV (Loan-to-Value)Up to 90% (for loans up to ₹30L)

EligibilitySalary >₹10k/month, Age 21-65

✓ Approved project financing for faster disbursal✓ Flexible EMI options — step-up & step-down✓ Top-up loan available on existing home loan✓ Online account management & EMI tracking✓ Special rates for HDFC Bank salary account holders

ICICI Home Loan

ICICI Home Loan Home Loan

Interest Rate8.40% - 9.75%

Loan AmountUp to ₹5 Crore

TenureUp to 30 years

Processing Fee0.50% - 1.00% + GST

LTV (Loan-to-Value)Up to 85%

EligibilitySalary >₹25k/month, Age 23-60

✓ Instant in-principle approval online✓ Balance transfer with top-up at lower rates✓ Part-prepayment allowed without penalty✓ Special rates for women co-applicants✓ Quick processing within 72 hours for salaried

Axis Bank Home Loan

Axis Bank Home Loan Home Loan

Interest Rate8.50% - 9.85%

Loan AmountUp to ₹5 Crore

TenureUp to 30 years

Processing FeeUp to 1.00% + GST

LTV (Loan-to-Value)Up to 90% (for loans up to ₹30L)

EligibilitySalary >₹25k/month, Age 21-60

✓ No pre-closure or part-prepayment charges on floating rate✓ Doorstep document collection service✓ Shubh Aarambh scheme for first-time buyers (lower rates)✓ Property search assistance in select cities✓ Quick disbursal within 48 hours for pre-approved

Kotak Mahindra Home Loan

Kotak Mahindra Home Loan Home Loan

Interest Rate8.65% - 9.90%

Loan AmountUp to ₹5 Crore

TenureUp to 25 years

Processing Fee0.50% + GST

LTV (Loan-to-Value)Up to 85%

EligibilitySalary >₹25k/month, Age 21-60

✓ Digital application process — fully paperless✓ Instant eligibility check online✓ Balance transfer facility with top-up✓ No hidden charges or pre-payment penalty✓ Special rates for Kotak salary account customers

Bank of Baroda Home Loan

Bank of Baroda Home Loan Home Loan

Interest Rate8.30% - 10.25%

Loan AmountUp to ₹10 Crore

TenureUp to 30 years

Processing Fee₹8,500 (inclusive of GST)

LTV (Loan-to-Value)Up to 90% (for loans up to ₹30L)

EligibilitySalary >₹20k/month, Age 21-65

✓ One of the lowest base interest rates in India✓ No processing fee for balance transfer✓ Government employee special scheme available✓ PMAY subsidy linkage for eligible borrowers✓ Flexible repayment options including step-up EMI

PNB Housing Finance

PNB Housing Finance Home Loan

Interest Rate8.50% - 11.00%

Loan AmountUp to ₹5 Crore

TenureUp to 30 years

Processing FeeUp to 0.50% + GST

LTV (Loan-to-Value)Up to 90% (for loans up to ₹30L)

EligibilitySalary >₹15k/month, Age 21-60

✓ Special rates for self-employed via bank statement program✓ Loans for under-construction & ready properties✓ Top-up loan up to ₹50 Lakh✓ Loans available without ITR for certain categories✓ Quick processing for pre-approved builder projects

LIC Housing Finance

LIC Housing Finance Home Loan

Interest Rate8.35% - 10.50%

Loan AmountUp to ₹10 Crore

TenureUp to 30 years

Processing Fee₹10,000 - ₹15,000 + GST

LTV (Loan-to-Value)Up to 90% (for loans up to ₹30L)

EligibilitySalary >₹20k/month, Age 21-65

✓ Backed by LIC — India's most trusted insurance brand✓ Lowest EMI options with extended tenure✓ Griha Prakash scheme for plots + construction✓ Part-prepayment up to 25% of principal per year without charges✓ Preferential rates for LIC policy holders

Home Loans