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    होम लोन ब्याज दरें 2026 — SBI, HDFC, ICICI और अन्य की तुलना

    SBI, HDFC, ICICI, बैंक ऑफ बड़ौदा और LIC हाउसिंग फाइनेंस सहित 8 लेंडर्स की होम लोन ब्याज दरें, प्रोसेसिंग फीस, LTV और पात्रता की तुलना करें।

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    अस्वीकरण: ब्याज दरें, लोन राशि, प्रोसेसिंग शुल्क और मंजूरी संबंधित बैंक/ऋणदाता की नीतियों, पात्रता मानदंडों और क्रेडिट मूल्यांकन के अधीन हैं। दिखाई गई जानकारी सांकेतिक है और भिन्न हो सकती है।

    SBI Home Loan

    SBI Home Loan होम लोन

    ब्याज दर8.40% - 9.65%
    लोन राशिUp to ₹10 Crore
    अवधिUp to 30 years
    प्रोसेसिंग शुल्क0.35% (Min ₹2,000, Max ₹10,000)
    LTV (लोन-टू-वैल्यू)Up to 90% (for loans up to ₹30L)
    पात्रतावेतन >₹25k/माह, उम्र 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

    India's largest home loan provider with the most competitive rates starting at just 8.40%. A special 0.05% concession for women borrowers and PMAY subsidy eligibility make it the go-to choice for first-time home buyers. No pre-payment penalty on floating rate and doorstep documentation service add real convenience.

    HDFC Home Loan

    HDFC Home Loan होम लोन

    ब्याज दर8.35% - 9.50%
    लोन राशिUp to ₹10 Crore
    अवधिUp to 30 years
    प्रोसेसिंग शुल्क0.50% or ₹3,000 (whichever is higher)
    LTV (लोन-टू-वैल्यू)Up to 90% (for loans up to ₹30L)
    पात्रतावेतन >₹10k/माह, उम्र 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

    HDFC (now merged with HDFC Bank) remains the most trusted name in Indian home loans with rates starting at 8.35%. Approved project financing ensures faster disbursal, and flexible step-up and step-down EMI options help manage your cash flow over the long tenure. Special rates for HDFC salary account holders can bring the effective rate down even further.

    ICICI Home Loan

    ICICI Home Loan होम लोन

    ब्याज दर8.40% - 9.75%
    लोन राशिUp to ₹5 Crore
    अवधिUp to 30 years
    प्रोसेसिंग शुल्क0.50% - 1.00% + GST
    LTV (लोन-टू-वैल्यू)Up to 85%
    पात्रतावेतन >₹25k/माह, उम्र 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

    ICICI offers instant in-principle approval online, giving you quick clarity on your eligibility before you start house hunting. Balance transfer with top-up at lower rates is a strong option if you are currently paying a higher rate at another bank. Quick 72-hour processing for salaried applicants and special rates for women co-applicants add significant value.

    Axis Bank Home Loan

    Axis Bank Home Loan होम लोन

    ब्याज दर8.50% - 9.85%
    लोन राशिUp to ₹5 Crore
    अवधिUp to 30 years
    प्रोसेसिंग शुल्कUp to 1.00% + GST
    LTV (लोन-टू-वैल्यू)Up to 90% (for loans up to ₹30L)
    पात्रतावेतन >₹25k/माह, उम्र 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

    Axis's Shubh Aarambh scheme offers specifically lower rates for first-time home buyers entering the property market. No pre-closure or part-prepayment charges on floating rate loans give you complete flexibility to reduce your burden. Property search assistance in select cities is a unique, helpful service not many banks provide.

    Kotak Mahindra Home Loan

    Kotak Mahindra Home Loan होम लोन

    ब्याज दर8.65% - 9.90%
    लोन राशिUp to ₹5 Crore
    अवधिUp to 25 years
    प्रोसेसिंग शुल्क0.50% + GST
    LTV (लोन-टू-वैल्यू)Up to 85%
    पात्रतावेतन >₹25k/माह, उम्र 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

    Kotak's fully paperless digital application process makes it the most convenient option for tech-savvy borrowers today. Instant eligibility check online saves you from unnecessary branch visits and paperwork. No hidden charges and a transparent fee structure build trust, especially important for first-time home buyers.

    Bank of Baroda Home Loan

    Bank of Baroda Home Loan होम लोन

    ब्याज दर8.30% - 10.25%
    लोन राशिUp to ₹10 Crore
    अवधिUp to 30 years
    प्रोसेसिंग शुल्क₹8,500 (inclusive of GST)
    LTV (लोन-टू-वैल्यू)Up to 90% (for loans up to ₹30L)
    पात्रतावेतन >₹20k/माह, उम्र 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

    BoB offers one of the lowest base interest rates in the entire Indian market starting at just 8.30%. No processing fee for balance transfers makes it the top choice for refinancing your existing home loan from another bank. Government employee special schemes and PMAY linkage are strong advantages for eligible borrowers.

    PNB Housing Finance

    PNB Housing Finance होम लोन

    ब्याज दर8.50% - 11.00%
    लोन राशिUp to ₹5 Crore
    अवधिUp to 30 years
    प्रोसेसिंग शुल्कUp to 0.50% + GST
    LTV (लोन-टू-वैल्यू)Up to 90% (for loans up to ₹30L)
    पात्रतावेतन >₹15k/माह, उम्र 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

    PNB Housing stands out for self-employed borrowers with its bank statement program that does not require ITR filing. Loans for both under-construction and ready-to-move properties with a top-up facility up to ₹50 Lakh add flexibility. Quick processing for pre-approved builder projects significantly speeds up the disbursal timeline.

    LIC Housing Finance

    LIC Housing Finance होम लोन

    ब्याज दर8.35% - 10.50%
    लोन राशिUp to ₹10 Crore
    अवधिUp to 30 years
    प्रोसेसिंग शुल्क₹10,000 - ₹15,000 + GST
    LTV (लोन-टू-वैल्यू)Up to 90% (for loans up to ₹30L)
    पात्रतावेतन >₹20k/माह, उम्र 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

    Backed by LIC's unmatched brand trust in India, this lender offers the longest tenures with the lowest possible EMIs. The Griha Prakash scheme for plots plus construction is uniquely designed for those building their own home from scratch. Preferential rates for LIC policy holders and part-prepayment up to 25% of principal per year without charges make it very flexible.

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