Bandhan Bank Home Loan Interest Rate — 16th September 2026
Private sector bank
Bandhan Bank’s home loan interest rate runs from 8.55% to 13.52%, according to its own rate page, read on 16 September 2026. Here is the full card, a plain-English reading of it, and the EMI those rates produce on the loan sizes people actually borrow.
Starting rate
8.55%
Top of published range
13.52%
Benchmark
RLLR 5.25%
Effective from
Not published
Read from Bandhan Bank’s own website on 16 September 2026. Source and method
Bandhan Bank home loan interest rate card
One band for all loan sizes
| Loan amount | Minimum | Maximum |
|---|---|---|
| Home loan — all loan amounts | 8.55% | 13.52% |
| Repair loan — all loan amounts | 8.55% | 13.52% |
For existing customers, Bandhan resets the external benchmark quarterly.
What Bandhan Bank’s interest rate card tells you
Bandhan Bank quotes one band for every loan size: 8.55% to 13.52%. The spread is almost 5%, and nothing on the card says what moves you up or down it, so treat the floor as a starting point rather than a likely rate. One detail helps existing borrowers: Bandhan resets the benchmark on floating loans every quarter, so a change in the repo rate reaches your loan within three months rather than waiting for an annual review. Repair loans are priced on the same band as home loans.
On its starting rate, Bandhan Bank ranks 36th of the 48 lenders we track, and 19th of 19 private banks. At 8.55%, Bandhan Bank’s starting rate sits 3.30 points over the RBI repo rate of 5.25%. That range isn’t academic: on ₹50 lakh for 20 years it’s the difference between ₹43,550 and ₹60,441 a month.
EMI at Bandhan Bank’s home loan interest rate
EMI at 8.55%, Bandhan Bank’s published floor. Where a loan size has its own guide on BankCreds, the amount links to it.
| Loan amount | 10 years | 15 years | 20 years | 25 years | 20 yrs at 13.52% |
|---|---|---|---|---|---|
| ₹35 lakh | ₹43,489 | ₹34,569 | ₹30,485 | ₹28,301 | ₹42,308 |
| ₹50 lakh | ₹62,127 | ₹49,384 | ₹43,550 | ₹40,430 | ₹60,441 |
| ₹70 lakh | ₹86,977 | ₹69,137 | ₹60,969 | ₹56,602 | ₹84,617 |
| ₹1 crore | ₹1,24,253 | ₹98,767 | ₹87,099 | ₹80,860 | ₹1,20,881 |
Reducing-balance EMI, before processing fees and insurance. Run your own numbers →
Bandhan Bank against lenders priced nearby
The four lenders whose published starting rates sit closest to Bandhan Bank’s, with the EMI each floor produces on ₹50 lakh over 20 years.
| Lender | Published rate | EMI, ₹50 lakh / 20 yrs | vs Bandhan Bank |
|---|---|---|---|
| City Union Bank Private sector bank | 8.25% – 10.50% | ₹43,391 | −₹159/mo |
| CSB Bank Private sector bank | 8.30% onwards | ₹42,760 | −₹790/mo |
| ICICI Bank Private sector bank | 8.50% – 9.80% | ₹43,391 | −₹159/mo |
| Karur Vysya Bank Private sector bank | 8.50% – 10.65% | ₹43,391 | −₹159/mo |
| Bandhan Bank Private sector bank | 8.55% – 13.52% | ₹43,550 | — |
What moves your rate at Bandhan Bank
- Because Bandhan resets its benchmark every quarter, a repo rate cut reaches its existing borrowers sooner than at lenders that reset annually — worth weighing if you expect rates to fall.
- Get a written competing offer before you negotiate. On a wide range, a concrete alternative is worth more than any argument about your profile.
- Whatever rate you’re offered, ask for it in writing with the benchmark and the spread shown separately — it’s the only way to know what happens to your EMI when the benchmark next moves.
What a Bandhan Bank home loan costs beyond interest
| Processing fee | Nil to 1.00% depending on the scheme, plus a login charge of up to ₹4,000 and an administrative fee of 0.25% to 2.00% — all plus GST. |
|---|---|
| Prepayment and foreclosure | None on floating-rate loans to individuals. Fixed-rate loans: 4% of the amount prepaid within 12 months, 2% after that. |
| Rate reset on request | ₹3,000 plus GST |
| Late EMI | 2% of the overdue amount plus GST |
Because the fee, login charge and administrative fee each depend on the scheme, there’s no single figure to quote. Ask for all three in writing.
Source: Bandhan Bank’s own schedule of charges, read on 16 September 2026: https://bandhan.bank.in/sites/default/files/2026-07/Schedule-of-Charges-of-Home-Loan-and-LAP-03072026.pdf
Who can get a Bandhan Bank home loan
| Who can apply | Suraksha Home Loan: salaried and self-employed individuals with formal proof of income. Suvidha Home Loan assesses income from cash flow instead. |
|---|---|
| Age | 21 to 75 |
| Longest term | 30 years |
| Loan amount | Up to 90% of the cost of the property |
Source: Bandhan Bank’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://www.bandhan.bank.in/personal/home-loan/suraksha
Bandhan Bank home loan interest rate — common questions
What is Bandhan Bank’s home loan interest rate today?
What is Bandhan Bank’s home loan processing fee?
What is the maximum tenure of a Bandhan Bank home loan?
What decides where I fall in Bandhan Bank’s 8.55%–13.52% range?
What is the EMI on a ₹50 lakh home loan from Bandhan Bank?
Is Bandhan Bank’s home loan interest rate fixed or floating?
How does Bandhan Bank compare with ICICI Bank?
Where these figures come from
Source: Bandhan Bank’s own interest rate page, read by BankCreds on 16 September 2026: https://www.bandhan.bank.in/rates-charges
Bandhan Bank publishes no effective date for this rate, so we don’t show one.
Our record of Bandhan Bank’s rates starts on 16 September 2026; later changes will appear here when we find them. Bandhan Bank’s fees and eligibility on this page were read from Bandhan Bank’s own documents, and each section links to where.
Rates are what Bandhan Bank publishes, not an offer: the rate you’re quoted is set by Bandhan Bank after it assesses your application. How we collect and check rates →