Home Loan EMIs, Computed Honestly: ₹20 Lakh to ₹90 Lakh
Every amount below gets the full treatment on its own page: EMIs across 10–35 year tenures, the income that clears the approval test, RBI's LTV bands applied to that amount, prepayment savings from real amortization math, and the tax rules as they actually work. Indicative rates from 7.15%; your Key Fact Statement is the binding truth.
Figures on this page are indicative and for comparison only — BankCreds is not a lender; confirm current rates, charges and eligibility with the bank or NBFC before applying.
Current home loan rates
All 48 lenders, with sources →| Lender | Interest rate | Rate type | Verified |
|---|---|---|---|
| Bank of Maharashtra | 7.00% – 9.65% | Floating, RLLR-linked | 2026-09-16 |
| Central Bank of India7.00% is for women borrowers (Cent Grih Lakshmi); Cent Home starts at 7.20% | 7.00% – 9.25% | Floating, RBLR-linked | 2026-09-16 |
| HSBC | 7.00% – 8.10% | Floating, repo-linked | 2026-09-16 |
| Indian Overseas Bank | 7.10% – 8.20% | Floating, RLLR-linked | 2026-09-16 |
| Canara Bank | 7.15% – 10.00% | Floating, repo-linked | 2026-09-16 |
| Union Bank of India | 7.15% – 9.35% | Floating, EBLR-linked | 2026-09-16 |
| Indian Bank | 7.15% – 9.15% | Floating | 2026-09-16 |
| UCO Bank | 7.15% – 9.25% | Floating, repo-linked (UCO Float) | 2026-09-16 |
| LIC Housing Finance | 7.15% – 10.30% | Floating, LHPLR-linked | 2026-09-16 |
| Bank of Baroda | 7.20% – 8.95% | Floating, BRLLR-linked | 2026-09-16 |
| SBI | 7.25% onwards | Floating, EBLR-linked | 2026-09-16 |
| PNB | 7.25% – 9.15% | Floating, RLLR + BSP | 2026-09-16 |
| Bajaj Housing Finance | 7.25% – 10.65% | Floating, reference-rate linked | 2026-09-16 |
| Punjab & Sind Bank | 7.35% – 10.75% | Floating, PRLR-linked | 2026-09-16 |
| Saraswat Bank | 7.35% – 9.10% | Floating, CIBIL-banded | 2026-09-16 |
| Federal Bank | 7.35% – 9.50% | Floating, repo-linked | 2026-09-16 |
| IDBI Bank | 7.40% – 11.50% | Floating, RLLR-linked | 2026-09-16 |
| Karnataka Bank | 7.48% – 11.80% | Floating, EBLR-linked | 2026-09-16 |
| J&K Bank | 7.50% – 8.20% | Floating, HLRLLR-linked | 2026-09-16 |
| PNB Housing Finance | 7.50% – 10.05% | Floating, PNBRRR-linked | 2026-09-16 |
| Kotak Mahindra Bank | 7.60% onwards | Floating, repo-linked | 2026-09-16 |
| HDFC Bank | 7.75% – 13.20% | Floating, repo-linked | 2026-09-16 |
| IDFC FIRST Bank | 7.75% onwards | Floating, repo-linked | 2026-09-16 |
| Aditya Birla Housing Finance | 7.75% onwards | Floating, ARR-linked | 2026-09-16 |
| Tamilnad Mercantile Bank | 7.90% – 9.30% | Floating, RLLR-linked | 2026-09-16 |
| Standard Chartered | 7.99% onwards | Floating | 2026-09-16 |
| Axis Bank | 8.00% – 9.10% | Floating, repo-linked | 2026-09-16 |
| IndusInd Bank | 8.00% – 15.00% | Floating, externally benchmarked | 2026-09-16 |
| Tata Capital | 8.00% – 13.00% | Floating, PLR-linked | 2026-09-16 |
| Home First Finance | 8.00% – 17.50% | Floating, PLR-linked | 2026-09-16 |
| Dhanlaxmi Bank | 8.20% – 11.50% | Floating, RLLR-linked | 2026-09-16 |
| City Union Bank | 8.25% – 10.50% | Floating, EBLR-linked | 2026-09-16 |
| CSB Bank | 8.30% onwards | Floating, repo-linked | 2026-09-16 |
| ICICI Bank | 8.50% – 9.80% | Floating, repo-linked | 2026-09-16 |
| Karur Vysya Bank | 8.50% – 10.65% | Floating | 2026-09-16 |
| Bandhan Bank | 8.55% – 13.52% | Floating, RLLR-linked | 2026-09-16 |
| IIFL Home Finance | 8.90% – 17.10% | Floating, PLR-linked | 2026-09-16 |
| Can Fin Homes | 8.95% – 11.00% | Floating or fixed | 2026-09-16 |
| Grihum Housing Finance | 9.00% – 18.00% | Floating, GRR-linked | 2026-09-16 |
| SMFG Grihashakti | 9.25% onwards | Floating, RPLR-linked | 2026-09-16 |
| Truhome Finance | 9.50% onwards | Floating (fixed also offered) | 2026-09-16 |
| Repco Home Finance | 9.90% – 11.40% | Floating, MLR + spread | 2026-09-16 |
| Capri Global Housing Finance | 10.50% – 21.25% | Variable, reference-rate linked | 2026-09-16 |
| Sundaram Home Finance | 10.65% onwards | Floating, SH-PLR-linked | 2026-09-16 |
| Aadhar Housing Finance | 11.75% – 17.00% | Floating, RPLR-linked | 2026-09-16 |
| Muthoot Homefin | 12.25% – 15.00% | Floating, profile-based | 2026-09-16 |
| Vastu Housing Finance | 12.50% – 19.50% | Floating, PLR less spread | 2026-09-16 |
| Aptus Value Housing Finance | 14.00% – 15.50% | Floating or fixed, PLR-linked | 2026-09-16 |
Published floors read from each lender's own rate page. Your offered rate depends on credit score, income and loan size — see the full table and our method.
Pick your amount
*Indicative reducing-balance EMI before fees.
The three numbers that decide any home loan
Your FOIR headroom. Total EMIs near half of take-home is the gate every file passes through. It's why co-applicants dominate approvals above ₹40 lakh, and why closing a ₹10,000 personal-loan EMI can raise home-loan eligibility by ₹12 lakh+.
The LTV band your property lands in. 90% funding up to ₹30 lakh of property value, 80% to ₹75 lakh, 75% beyond — with deals near the boundaries worth structuring deliberately.
Tenure × prepayment. The 30-year sanction that gets you approved and the 15-year behaviour that keeps you wealthy are compatible: floating-rate prepayment is free by RBI rule, and every guide here computes exactly what it saves at your amount.
Quick home loan EMI calculator
Indicative reducing-balance arithmetic. Lender EMIs can differ with fees, rate resets and rounding.
Latest home loan news
All home loan news →9 Oct 2026
RBI Raises Repo Rate for First Time in 3 Years: Home Loan EMIs Set to Rise, FD Rates May Follow
RBI has raised its key rate for the first time in three years, per ABP Live English. Floating-rate EMIs may rise and FD rates may follow.
9 Oct 2026
Higher Home Loan EMI After RBI's Rate Rise? Prepay, Renegotiate or Switch Lenders
The latest RBI repo rate increase can raise your home loan cost. Here's how floating-rate borrowers can limit the damage with prepayment, a rate check or a loan transfer.
9 Oct 2026
NRI Selling Indian Property to Buy a Bigger Home: How Capital Gains Tax Works
NRIs who sell a home in India and buy a bigger one may cut or avoid tax on the profit. Here's how the rules work, with a rupee example and a simple checklist.
Home loans — the questions that matter
How much home loan can I get on my salary?
What are the RBI LTV rules for home loans?
Are home loan prepayments free?
Which bank is best for a home loan right now?
Old regime or new regime for home-loan tax benefits?
Know your eligibility before the site visits
Soft check, real matches — walk into the sales office pre-sanctioned.