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Home Loan Interest Rates

Compare rates from top banks & lenders — Updated 2024

Bank Name Interest Rate Processing Fee Tenure Key Features Action
SBI
State Bank of India
Starts from 7.60%
Subject to CIBIL
₹15,000 + GST
Zero Processing Fee
Up to 30 Years
  • No prepayment charges
  • Higher eligibility
  • Online account access
Enquire Now
ICICI Bank Starts from 7.65%
Subject to CIBIL
₹5,000 + GST (Salaried)
Admin fee ₹5,000 + Tax
Up to 30 Years
  • 20% extra eligibility via step-up
  • 50% higher eligibility via mortgage guarantee
  • App-based disbursement
Enquire Now
Axis Bank 7.50% – 8.00%
Slab Based
₹5,000 + ST (Salaried)
₹10,000 + ST (SENP/SEP)
Up to 30 Years
  • All profile types accepted
  • No prepayment charges
  • Higher eligibility
Enquire Now
HDFC Bank 7.25% – 7.75%
Slab Based
₹10,000 + ST
Resale legal: ₹3,500
Up to 30 Years
  • No prepayment charges
  • App-based disbursement
  • Online account access
Enquire Now
PNB Housing Finance 7.75% – 8.90%
₹25L to ₹25Cr
₹10,000 + ST or 0.50% (lesser) Up to 30 Years
  • All katha types accepted
  • CIBIL-based structuring
  • Higher eligibility
Enquire Now
Federal Bank 8.25% – 8.65%
Slab Based
₹10,000 + ST or 0.50% (lesser) Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Enquire Now
Yes Bank 7.65% – 7.80%
Slab Based
₹10,000 + ST or 0.50% (lesser) Up to 30 Years
  • Zero MOTD charges
  • BIAPA, BDA, BBMP A-Khata
  • BMRDA E-Khata supported
Enquire Now
IDBI Bank 7.35% – 7.60%
CIBIL Based
₹10,000 + ST or 0.50% (lesser) Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Enquire Now
Sundaram BNP Paribas 8.75% (Salaried)
9.00% (SENP/SEP)
₹10,000 + ST or 0.50% (lesser) Up to 30 Years
  • BBMP, BDA, 9 & 11A, E-Katha
  • Online loan application
  • Higher eligibility
Enquire Now
L&T Housing Finance 7.65% (Salaried)
7.95% (Self-Employed)
₹10,000 + ST
SENP: 0.25% + GST
Up to 30 Years
  • Max loan age 70 yrs
  • High FOIR: 80–85%
  • B-Katha, PG, godowns, hospitals
  • Up to 95% LTV
Enquire Now
Sammaan Capital Starts from 9.40%
Subject to CIBIL
₹10,000 + ST or 0.50% (lesser) Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Enquire Now
IDFC First Bank 8.35% – 8.50%
Slab Based
₹10,000 + ST or 0.50% (lesser) Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Enquire Now
Aditya Birla HFL Starts from 7.20%
Subject to CIBIL
Salaried: 0.25% + GST
SEMP: 0.50% + GST
Up to 30 Years
  • HL Booster: 15% extra loan
  • Repayment up to age 70
  • Up to ₹50 crore loan
Enquire Now
Kotak Bank Starts from 8.00%
Subject to CIBIL
₹10,000 + ST or 0.50% (lesser) Up to 30 Years
  • No prepayment charges
  • App-based disbursement
  • Online account access
Enquire Now
Indian Bank Starts from 7.15%
Subject to CIBIL
Legal & Technical: ₹10,000 + GST Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Enquire Now
Canara Bank Starts from 7.15%
Subject to CIBIL
₹10,000 + GST
Zero Legal/Technical Charges
Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Enquire Now
Bank of Baroda Starts from 7.20%
Subject to CIBIL
₹10,000 + GST
Zero Processing Fee
Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Enquire Now
South Indian Bank Starts from 7.20%
Subject to CIBIL
₹15,000 + GST
Zero Processing Fee
Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Enquire Now
Tata Capital 7.75% – 8.15% ₹10,000 + GST Up to 30 Years
  • BBMP A & B Katha, E-Katha
  • Form 9, 11/A & 11/B
  • Pure rental program up to ₹1.5Cr
Enquire Now
Piramal Finance Starts from 9.50%
Subject to CIBIL
Salaried: 0.75%
SEMP: 1.00%
Up to 30 Years
  • BBMP A, B, E-Katha
  • Manual 9/11 Katha without conversion
Enquire Now
Bajaj Housing Finance Starts from 7.20%
Subject to CIBIL
Login fee: ₹1,500 Up to 30 Years
  • Fund up to 90% LTV
  • App-based disbursement
  • Online account access
Enquire Now
IIFL Home Finance Starts from 9.45%
Subject to CIBIL
0.50% + GST to 1.00% Up to 30 Years
  • Katha A, B, E, 11A, E-11B, CMC
  • All katha except manual
Enquire Now
True Home Finance Starts from 11.00%
Subject to CIBIL
0.01% Up to 30 Years
  • Katha A, B, E, 11A, E-11B, CMC, TMC
  • All katha except manual
Enquire Now
HSBC Bank Starts from 7.35%
Subject to CIBIL
₹10,000 + GST Up to 30 Years
  • MOTD charges refunded (0.3%)
  • No prepayment charges
  • Higher eligibility
Enquire Now
SBI
State Bank of India
Starts from 7.60%
Subject to CIBIL
₹15,000 + GST
Zero Processing Fee
Up to 30 Years
  • No prepayment charges
  • Higher eligibility
  • Online account access
ICICI Bank
Starts from 7.65%
Subject to CIBIL
₹5,000 + GST (Salaried)
Admin fee ₹5,000 + Tax
Up to 30 Years
  • 20% extra eligibility via step-up
  • 50% higher eligibility via mortgage guarantee
  • App-based disbursement
Axis Bank
7.50% – 8.00%
Slab Based
₹5,000 + ST (Salaried)
₹10,000 + ST (SENP/SEP)
Up to 30 Years
  • All profile types accepted
  • No prepayment charges
  • Higher eligibility
HDFC Bank
7.25% – 7.75%
Slab Based
₹10,000 + ST
Resale legal: ₹3,500
Up to 30 Years
  • No prepayment charges
  • App-based disbursement
  • Online account access
PNB Housing Finance
7.75% – 8.90%
₹25L to ₹25Cr
₹10,000 + ST or 0.50% (lesser)
Up to 30 Years
  • All katha types accepted
  • CIBIL-based structuring
  • Higher eligibility
Federal Bank
8.25% – 8.65%
Slab Based
₹10,000 + ST or 0.50% (lesser)
Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Yes Bank
7.65% – 7.80%
Slab Based
₹10,000 + ST or 0.50% (lesser)
Up to 30 Years
  • Zero MOTD charges
  • BIAPA, BDA, BBMP A-Khata
  • BMRDA E-Khata supported
IDBI Bank
7.35% – 7.60%
CIBIL Based
₹10,000 + ST or 0.50% (lesser)
Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Sundaram BNP Paribas
8.75% (Salaried)
9.00% (SENP/SEP)
₹10,000 + ST or 0.50% (lesser)
Up to 30 Years
  • BBMP, BDA, 9 & 11A, E-Katha
  • Online loan application
  • Higher eligibility
L&T Housing Finance
7.65% (Salaried)
7.95% (Self-Employed)
₹10,000 + ST
SENP: 0.25% + GST
Up to 30 Years
  • Max loan age 70 yrs
  • High FOIR: 80–85%
  • B-Katha, PG, godowns, hospitals
  • Up to 95% LTV
Sammaan Capital
Starts from 9.40%
Subject to CIBIL
₹10,000 + ST or 0.50% (lesser)
Up to 30 Years
  • No prepayment charges
  • Higher eligibility
IDFC First Bank
8.35% – 8.50%
Slab Based
₹10,000 + ST or 0.50% (lesser)
Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Aditya Birla HFL
Starts from 7.20%
Subject to CIBIL
Salaried: 0.25% + GST
SEMP: 0.50% + GST
Up to 30 Years
  • HL Booster: 15% extra loan
  • Repayment up to age 70
  • Up to ₹50 crore loan
Kotak Bank
Starts from 8.00%
Subject to CIBIL
₹10,000 + ST or 0.50% (lesser)
Up to 30 Years
  • No prepayment charges
  • App-based disbursement
  • Online account access
Indian Bank
Starts from 7.15%
Subject to CIBIL
Legal & Technical: ₹10,000 + GST
Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Canara Bank
Starts from 7.15%
Subject to CIBIL
₹10,000 + GST
Zero Legal/Technical Charges
Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Bank of Baroda
Starts from 7.20%
Subject to CIBIL
₹10,000 + GST
Zero Processing Fee
Up to 30 Years
  • No prepayment charges
  • Higher eligibility
South Indian Bank
Starts from 7.20%
Subject to CIBIL
₹15,000 + GST
Zero Processing Fee
Up to 30 Years
  • No prepayment charges
  • Higher eligibility
Tata Capital
7.75% – 8.15%
₹10,000 + GST
Up to 30 Years
  • BBMP A & B Katha, E-Katha
  • Form 9, 11/A & 11/B
  • Pure rental program up to ₹1.5Cr
Piramal Finance
Starts from 9.50%
Subject to CIBIL
Salaried: 0.75%
SEMP: 1.00%
Up to 30 Years
  • BBMP A, B, E-Katha
  • Manual 9/11 Katha without conversion
Bajaj Housing Finance
Starts from 7.20%
Subject to CIBIL
Login fee: ₹1,500
Up to 30 Years
  • Fund up to 90% LTV
  • App-based disbursement
  • Online account access
IIFL Home Finance
Starts from 9.45%
Subject to CIBIL
0.50% + GST to 1.00%
Up to 30 Years
  • Katha A, B, E, 11A, E-11B, CMC
  • All katha except manual
True Home Finance
Starts from 11.00%
Subject to CIBIL
0.01%
Up to 30 Years
  • Katha A, B, E, 11A, E-11B, CMC, TMC
  • All katha except manual
HSBC Bank
Starts from 7.35%
Subject to CIBIL
₹10,000 + GST
Up to 30 Years
  • MOTD charges refunded (0.3%)
  • No prepayment charges
  • Higher eligibility