Home loan rates
The rates of POP's partner lenders, compared side by side.
Home loan rates at India's main lenders
Starting floating rates for salaried buyers with a good credit score, as of October 2026. Your rate depends on your credit score, income and loan size.
| Lender | Interest rate | EMI per ₹1 lakhover 20 years, at the starting rate | Processing fee | Bank website |
|---|---|---|---|---|
| Bank of IndiaPublic | 7.10% – 10.25%Lowest | ₹781 | 0.25% (₹1,500 to ₹20,000) | Visit |
| Central Bank of IndiaPublic | from 7.10%Lowest | ₹781 | 0.50% (up to ₹20,000) | Visit |
| Indian Overseas BankPublic | from 7.10%Lowest | ₹781 | 0.50% (up to ₹25,000) | Visit |
| Canara BankPublic | 7.15% – 10.00% | ₹784 | 0.25% (₹750 to ₹5,000) | Visit |
| LIC Housing FinanceHousing finance | from 7.15% | ₹784 | Up to 0.50% | Visit |
| Union Bank of IndiaPublic | 7.15% – 9.60% | ₹784 | 0.50% (up to ₹15,000) | Visit |
| Bank of BarodaPublic | 7.20% – 9.25% | ₹787 | 0.25% to 0.50% | Visit |
| Punjab National BankPublic | 7.20% – 9.25% | ₹787 | 0.35% (₹2,500 to ₹15,000) | Visit |
| State Bank of IndiaPublic | 7.25% – 8.95% | ₹790 | 0.25% to 0.50% | Visit |
| Bajaj Housing FinanceHousing finance | from 7.35% | ₹796 | Up to 3% | Visit |
| HDFC BankPrivate | from 7.45% | ₹803 | Up to 0.50% | Visit |
| HSBC IndiaPrivate | 7.45% – 10.25% | ₹803 | Ask the bank | Visit |
| ICICI BankPrivate | 7.45% – 9.80% | ₹803 | Up to 2% | Visit |
| Axis BankPrivate | from 7.50% | ₹806 | Up to 2% | Visit |
| PNB Housing FinanceHousing finance | from 7.50% | ₹806 | 0.25% to 0.50% | Visit |
| Kotak Mahindra BankPrivate | 7.60% – 12.00% | ₹812 | 0.50% | Visit |
Source: Bank-wise tables on bankermart.com and paisabazaar.com, October 2026. Rates change often. Check the bank's own website or ask for a written quote before you apply.
Which lender suits you?
- 1
Public sector banks
Usually the lowest rates and processing fees. Best for salaried buyers with a credit score of 750 or more. Approval can take a little longer.
- 2
Private banks
Faster approval and good online service. Rates are close to public banks, but processing fees can be higher (up to 2%).
- 3
Housing finance companies
More flexible for self-employed buyers, a lower credit score, or plots and older homes. Rates are often a little higher.
How to get the lowest rate
- Keep your credit score above 750. Pay card bills in full and on time.
- Ask each bank for its spread over the repo rate, the processing fee and all charges, in writing.
- A floating-rate home loan has no charge for paying early (RBI rule for individual borrowers). Prepay whenever you can.
- Ask your current bank to lower your rate before you switch. A transfer costs fees.
POP's partner lenders
Our bank partners, as of November 2026
HDFC Bank
Air Bypass Road
- Interest rate
- —
- EMI per lakh
- —
- Processing fee
- 0.35% of the loan
- Lends for
- —
HDFC Bank
Benz Circle
- Interest rate
- —
- EMI per lakh
- —
- Processing fee
- 0.35% of the loan
- Lends for
- —
State Bank of India
Air Bypass Road
- Interest rate
- —
- EMI per lakh
- —
- Processing fee
- 0.35% of the loan
- Lends for
- —
State Bank of India
Dwaraka Nagar
- Interest rate
- —
- EMI per lakh
- —
- Processing fee
- 0.35% of the loan
- Lends for
- —
HDFC Bank
Dwaraka Nagar
- Interest rate
- —
- EMI per lakh
- —
- Processing fee
- 0.35% of the loan
- Lends for
- —
State Bank of India
Benz Circle
- Interest rate
- —
- EMI per lakh
- —
- Processing fee
- 0.35% of the loan
- Lends for
- —
HDFC Bank
Gachibowli
- Interest rate
- —
- EMI per lakh
- —
- Processing fee
- 0.35% of the loan
- Lends for
- —
State Bank of India
Gachibowli
- Interest rate
- —
- EMI per lakh
- —
- Processing fee
- 0.35% of the loan
- Lends for
- —
Are you a bank or an NBFC?
A coordinator checks every lender before listing them on POP. They show on this page with their rates. Buyers contact you through a real enquiry, not a bought lead.