City Union Bank Home Loan Interest Rate — 16th September 2026

Q: What is the current City Union Bank home loan interest rate?

City Union Bank publishes home loan rates from 8.25% to 10.50% , read from its own rate page on 16 September 2026. City Union Bank doesn’t publish an effective date for it. The rate you’re offered depends on City Union Bank’s assessment of your application.

Q: How long can a City Union Bank home loan run?

City Union Bank publishes a maximum term of 30 years . On ₹60 lakh at 8.50%, stretching to the full term costs ₹46,135 a month, against ₹59,084 over 15 years.

Private sector bank

Here’s the home loan interest rate City Union Bank charges, taken from its own website on 16 September 2026: from 8.25% to 10.50%. We’ve set out the card as published, what decides where you land within it, and the EMI at each end.

Starting rate

8.25%

Top of published range

10.50%

Benchmark

EBLR 9.70%

Effective from

Not published

Read from City Union Bank’s own website on 16 September 2026. Source and method

City Union Bank home loan interest rate card

By bureau score and loan size (floating)

Read this first

One bureau-score band on City Union Bank’s page is printed as “Above 100 to 200”, which appears to be a typo.

Bureau score	Affordable (up to ₹30 lakh)	Prime (₹30 – 75 lakh)	Premium (₹75 lakh – ₹7.5 cr)
Above 800	8.25% – 8.50%	8.50% – 9.00%	8.75% – 9.50%
Above 700 to 800	8.50% – 9.00%	8.75% – 9.50%	9.00% – 10.00%
“Above 100 to 200” (as printed)	9.00% – 9.50%	9.25% – 10.00%	9.50% – 10.50%
Fixed (over 36 months), above 800	8.35%	8.85%	9.35%
Fixed (over 36 months), above 700 to 800	8.85%	9.35%	9.85%

One score band is printed on the bank’s page as “Above 100 to 200”, which looks like a typo. We reproduce it as published rather than guess the intended range.

What City Union Bank’s interest rate card tells you

City Union Bank ties its rate firmly to loan size. Its grid crosses bureau score with three loan brackets, and at every score the rate rises with the amount: a borrower scoring above 800 pays from 8.25% up to ₹30 lakh, 8.50% up to ₹75 lakh, and 8.75% beyond. CUB also publishes fixed rates for repayment over 36 months, starting at 8.35% — just 0.10% above its floating floor, which is a small premium for a predictable EMI. One row is labelled “Above 100 to 200”; that looks like a typo on the bank’s site, and we show it exactly as printed.

Its floor puts City Union Bank 32nd out of 48 lenders on our list, and 15th among the 19 private banks. At 8.25%, City Union Bank’s starting rate sits 3.00 points over the RBI repo rate of 5.25%. On a ₹60 lakh loan over 20 years, the two ends of City Union Bank’s range are ₹7,834 a month apart.

EMI at City Union Bank’s home loan interest rate

City Union Bank’s starting rate depends on how much you borrow, so each row below is priced at the floor for that loan size. These are best-case EMIs.

Loan amount	Starting rate	10 years	15 years	20 years	25 years	20 yrs at 10.50%
₹35 lakh	8.50%	₹43,395	₹34,466	₹30,374	₹28,183	₹34,943
₹50 lakh	8.50%	₹61,993	₹49,237	₹43,391	₹40,261	₹49,919
₹70 lakh	8.50%	₹86,790	₹68,932	₹60,748	₹56,366	₹69,887
₹1 crore	8.75%	₹1,25,327	₹99,945	₹88,371	₹82,214	₹99,838

Reducing-balance EMI, before processing fees and insurance. Run your own numbers →

City Union Bank against lenders priced nearby

The four lenders whose published starting rates sit closest to City Union Bank’s, with the EMI each floor produces on ₹60 lakh over 20 years.

Lender	Published rate	EMI, ₹60 lakh / 20 yrs	vs City Union Bank
Axis Bank Private sector bank	8.00% – 9.10%	₹50,186	−₹1,883/mo
Dhanlaxmi Bank Private sector bank	8.20% – 11.50%	₹50,936	−₹1,133/mo
City Union Bank Private sector bank	8.25% – 10.50%	₹52,069	—
CSB Bank Private sector bank	8.30% onwards	₹51,312	−₹757/mo
ICICI Bank Private sector bank	8.50% – 9.80%	₹52,069	same

All 48 lenders → Filter and compare → Lowest rates →

What moves your rate at City Union Bank

If your loan is just over ₹30 lakh, check the EMI at ₹30 lakh as well — City Union’s floor steps up by 0.25% once you cross into its Prime bracket.
Pull your credit report a month or more before applying and fix anything wrong on it. On a card that combines score and loan size, one band higher on score is worth having.
A bigger down payment helps at almost every lender: it lowers the loan-to-value ratio and the loan size at once, and both feed into pricing.

City Union Bank home loan fees and charges

Processing fee	By loan size, plus GST: 0.35% up to ₹30 lakh, 0.25% from ₹30 to ₹75 lakh, and 0.20% above ₹75 lakh. On a ₹60 lakh loan, that comes to ₹15,000, before GST.
Prepayment and foreclosure	None on floating-rate loans, even when another bank takes the loan over. Fixed-rate loans: none from your own funds.

City Union’s Affordable Home Loan page gives that scheme’s limit as ₹35 lakh, while its rate card says ₹30 lakh.

Source: City Union Bank’s own schedule of charges, read on 16 September 2026: https://www.cityunionbank.com/city-union-bank-rates

Who can get a City Union Bank home loan

Who can apply	Salaried: aged 21 at application, loan to end by 60 or retirement, with take-home pay of at least ₹20,000 a month. Self-employed: aged 23, loan to end by 65 (70 with the next generation on the loan), with cash profit of ₹2.4 lakh a year.
Longest term	30 years

Source: City Union Bank’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://www.cityunionbank.com/cub-housing-loan-home-loan

City Union Bank home loan interest rate — common questions

What is the current City Union Bank home loan interest rate?

City Union Bank publishes home loan rates from 8.25% to 10.50%, read from its own rate page on 16 September 2026. City Union Bank doesn’t publish an effective date for it. The rate you’re offered depends on City Union Bank’s assessment of your application.

How much does City Union Bank charge to process a home loan?

By loan size, plus GST: 0.35% up to ₹30 lakh, 0.25% from ₹30 to ₹75 lakh, and 0.20% above ₹75 lakh. On a ₹60 lakh loan, that comes to ₹15,000, before GST. City Union’s Affordable Home Loan page gives that scheme’s limit as ₹35 lakh, while its rate card says ₹30 lakh.

How long can a City Union Bank home loan run?

City Union Bank publishes a maximum term of 30 years. On ₹60 lakh at 8.50%, stretching to the full term costs ₹46,135 a month, against ₹59,084 over 15 years.

What sets my home loan rate at City Union Bank?

City Union Bank publishes its rates by bureau score and loan size (floating). For example — Above 800: 8.25% – 8.50% · 8.50% – 9.00% · 8.75% – 9.50%; Above 700 to 800: 8.50% – 9.00% · 8.75% – 9.50% · 9.00% – 10.00%; “Above 100 to 200” (as printed): 9.00% – 9.50% · 9.25% – 10.00% · 9.50% – 10.50%. The full card is reproduced above.

How much is the monthly EMI on ₹60 lakh at City Union Bank?

At 8.50%, City Union Bank’s starting rate for that loan size, ₹60 lakh costs ₹52,069 a month over 20 years, or ₹59,084 over 15 years. At the top of City Union Bank’s range, 10.50%, the 20-year EMI is ₹59,903.

Is the City Union Bank home loan interest rate floating or fixed?

City Union Bank publishes both: floating home loan interest rates and fixed-rate options. City Union Bank quotes its home loan rates against EBLR, currently 9.70%. When the benchmark moves, floating rates linked to it move with it; the spread City Union Bank adds for your profile generally stays the same.

How does City Union Bank compare with CSB Bank?

CSB Bank publishes home loans from 8.30%, against 8.25% at City Union Bank — 0.05 points higher. On ₹60 lakh over 20 years that’s ₹757 a month at those rates. Compare the full rate cards and get a written quote from each before deciding.

Where these figures come from

Source: City Union Bank’s own interest rate page, read by BankCreds on 16 September 2026: https://www.cityunionbank.com/city-union-bank-rates

City Union Bank publishes no effective date for this rate, so we don’t show one.

We began recording City Union Bank’s home loan rates on 16 September 2026, and any change will be logged against that date as we detect it. Fees and eligibility come from City Union Bank’s own schedule of charges and home loan pages, with the full address printed in those sections — never from third-party sites.

Rates are what City Union Bank publishes, not an offer: the rate you’re quoted is set by City Union Bank after it assesses your application. How we collect and check rates →