Home Loan Interest Rates — 16th September 2026
Published home loan rates from 48 Indian banks, each read from the lender's own rate page and shown with the source and the date we checked it. Rates start at 7.00%, currently from Bank of Maharashtra.
Lowest published floor
7.00%
RBI repo rate
5.25%
Rates verified
16th September 2026
Current home loan interest rates
Sorted by published floor. The floor is the lender's best advertised rate and normally assumes a strong credit score and a comfortable loan-to-value ratio — it is an entry condition, not an offer.
| Lender | Interest rate | Rate type | Effective from | Verified | Source URL |
|---|---|---|---|---|---|
| PSU banks · 11 | |||||
| Bank of Maharashtra PSU bank | 7.00% – 9.65% | Floating, RLLR-linked | not published | 16th September 2026 | https://bankofmaharashtra.bank.in/retail-interest-rates |
| Central Bank of India 7.00% is for women borrowers (Cent Grih Lakshmi); Cent Home starts at 7.20% PSU bank | 7.00% – 9.25% | Floating, RBLR-linked | not published | 16th September 2026 | https://centralbank.bank.in/en/retail-scheme-interest |
| Indian Overseas Bank PSU bank | 7.10% – 8.20% | Floating, RLLR-linked | 15th December 2025 | 16th September 2026 | https://www.iob.bank.in/en/lending-interest-rates1 |
| Canara Bank PSU bank | 7.15% – 10.00% | Floating, repo-linked | 12th December 2025 | 16th September 2026 | https://www.canarabank.bank.in/pages/interest-rate-range-on-loans |
| Union Bank of India PSU bank | 7.15% – 9.35% | Floating, EBLR-linked | 24th July 2026 | 16th September 2026 | https://www.unionbankofindia.bank.in/pdf/retail_roi.pdf |
| Indian Bank PSU bank | 7.15% – 9.15% | Floating | not published | 16th September 2026 | https://indianbank.bank.in/en/interest-rates-on-personal-segment-loan-products |
| UCO Bank PSU bank | 7.15% – 9.25% | Floating, repo-linked (UCO Float) | 11th December 2025 | 16th September 2026 | https://www.uco.bank.in/en/repo |
| Bank of Baroda PSU bank | 7.20% – 8.95% | Floating, BRLLR-linked | 6th December 2025 | 16th September 2026 | https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates |
| SBI PSU bank | 7.25% onwards | Floating, EBLR-linked | 1st April 2026 | 16th September 2026 | https://sbi.bank.in/web/interest-rates/interest-rates/loan-schemes-interest-rates/home-loans-interest-rates-current |
| PNB PSU bank | 7.25% – 9.15% | Floating, RLLR + BSP | not published | 16th September 2026 | https://www.pnb.bank.in/Retail-Advances-interst-rate-on-advances-linked-to-mclr.html |
| Punjab & Sind Bank PSU bank | 7.35% – 10.75% | Floating, PRLR-linked | 16th July 2026 | 16th September 2026 | https://punjabandsind.bank.in/content/prlr |
| Private banks · 19 | |||||
| HSBC Private bank | 7.00% – 8.10% | Floating, repo-linked | not published | 16th September 2026 | https://www.hsbc.bank.in/home-loans/fees-and-charges/ |
| Saraswat Bank Private bank | 7.35% – 9.10% | Floating, CIBIL-banded | 20th June 2025 | 16th September 2026 | https://www.saraswat.bank.in/content.aspx?id=Interest-Rates |
| Federal Bank Private bank | 7.35% – 9.50% | Floating, repo-linked | not published | 16th September 2026 | https://www.federal.bank.in/loan-rate |
| IDBI Bank Private bank | 7.40% – 11.50% | Floating, RLLR-linked | not published | 16th September 2026 | https://www.idbi.bank.in/interest-rates.aspx |
| Karnataka Bank Private bank | 7.48% – 11.80% | Floating, EBLR-linked | 1st September 2026 | 16th September 2026 | https://www.karnatakabank.bank.in/loan-interest-rates |
| J&K Bank Private bank | 7.50% – 8.20% | Floating, HLRLLR-linked | 1st January 2026 | 16th September 2026 | https://jkb.bank.in/housing-loans |
| Kotak Mahindra Bank Private bank | 7.60% onwards | Floating, repo-linked | not published | 16th September 2026 | https://www.kotak.bank.in/en/personal-banking/loans/home-loan/interest-rates.html |
| HDFC Bank Private bank | 7.75% – 13.20% | Floating, repo-linked | not published | 16th September 2026 | https://homeloans.hdfc.bank.in/checklist/home-loan-interest-rates |
| IDFC FIRST Bank Private bank | 7.75% onwards | Floating, repo-linked | not published | 16th September 2026 | https://www.idfcfirst.bank.in/personal-banking/loans/home-loan/home-loan-interest-rates |
| Tamilnad Mercantile Bank Private bank | 7.90% – 9.30% | Floating, RLLR-linked | not published | 16th September 2026 | https://www.tmb.bank.in/personal/loans/tmb-home-loan |
| Standard Chartered Private bank | 7.99% onwards | Floating | not published | 16th September 2026 | https://www.sc.bank.in/loans/home-property-loans/home-loans/ |
| Axis Bank Private bank | 8.00% – 9.10% | Floating, repo-linked | not published | 16th September 2026 | https://www.axis.bank.in/loans/home-loan/interest-rates-charges |
| IndusInd Bank Private bank | 8.00% – 15.00% | Floating, externally benchmarked | not published | 16th September 2026 | https://www.indusind.bank.in/content/dam/indusind-corporate/Other/HL-Rates-at-Quick-glance-Jun-26.pdf |
| Dhanlaxmi Bank Private bank | 8.20% – 11.50% | Floating, RLLR-linked | 1st September 2026 | 16th September 2026 | https://www.dhan.bank.in/pdf/Pricing-of-Loan-products-effective-from-01-Sept-2026.pdf |
| City Union Bank Private bank | 8.25% – 10.50% | Floating, EBLR-linked | not published | 16th September 2026 | https://www.cityunionbank.com/city-union-bank-rates |
| CSB Bank Private bank | 8.30% onwards | Floating, repo-linked | not published | 16th September 2026 | https://csb.bank.in/housing-loan |
| ICICI Bank Private bank | 8.50% – 9.80% | Floating, repo-linked | not published | 16th September 2026 | https://www.icici.bank.in/personal-banking/loans/home-loan/interest-rates |
| Karur Vysya Bank Private bank | 8.50% – 10.65% | Floating | 22nd July 2026 | 16th September 2026 | https://www.kvb.bank.in/manager/api/v1/personal-banking-rates |
| Bandhan Bank Private bank | 8.55% – 13.52% | Floating, RLLR-linked | not published | 16th September 2026 | https://www.bandhan.bank.in/rates-charges |
| Housing finance companies · 18 | |||||
| LIC Housing Finance Housing finance company | 7.15% – 10.30% | Floating, LHPLR-linked | not published | 16th September 2026 | https://www.lichousing.com/housing-loan/home-loan |
| Bajaj Housing Finance Housing finance company | 7.25% – 10.65% | Floating, reference-rate linked | not published | 16th September 2026 | https://www.bajajhousingfinance.in/home-loan-interest-rates |
| PNB Housing Finance Housing finance company | 7.50% – 10.05% | Floating, PNBRRR-linked | not published | 16th September 2026 | https://www.pnbhousing.com/home-loan/interest-rates |
| Aditya Birla Housing Finance Housing finance company | 7.75% onwards | Floating, ARR-linked | not published | 16th September 2026 | https://homefinance.adityabirlacapital.com/interest-rate-model |
| Tata Capital Housing finance company | 8.00% – 13.00% | Floating, PLR-linked | not published | 16th September 2026 | https://www.tatacapital.com/home-loan/rates-and-charges.html |
| Home First Finance Housing finance company | 8.00% – 17.50% | Floating, PLR-linked | not published | 16th September 2026 | https://homefirstindia.com/policy/schedule-of-charges |
| IIFL Home Finance Housing finance company | 8.90% – 17.10% | Floating, PLR-linked | not published | 16th September 2026 | https://www.iiflhomeloans.com/quarterly-interest-rate-range |
| Can Fin Homes Housing finance company | 8.95% – 11.00% | Floating or fixed | not published | 16th September 2026 | https://www.canfinhomes.com/pages/interestrates |
| Grihum Housing Finance Housing finance company | 9.00% – 18.00% | Floating, GRR-linked | not published | 16th September 2026 | https://grihumhousing.com/pdf/stockexchange/ROI-Range-Website-disclosure-30-06-2026.pdf |
| SMFG Grihashakti Housing finance company | 9.25% onwards | Floating, RPLR-linked | not published | 16th September 2026 | https://www.grihashakti.com/home-loan-interest-rates.aspx |
| Truhome Finance Housing finance company | 9.50% onwards | Floating (fixed also offered) | not published | 16th September 2026 | https://www.truhomefinance.in/home-loan |
| Repco Home Finance Housing finance company | 9.90% – 11.40% | Floating, MLR + spread | 1st June 2026 | 16th September 2026 | https://s3.ap-south-1.amazonaws.com/rhfl-strapi/Ready_Reckoner_as_on_Jun_2026_e8cbc89051.pdf |
| Capri Global Housing Finance Housing finance company | 10.50% – 21.25% | Variable, reference-rate linked | not published | 16th September 2026 | https://www.caprihomeloans.com/know-your-loan/ |
| Sundaram Home Finance Housing finance company | 10.65% onwards | Floating, SH-PLR-linked | 1st January 2026 | 16th September 2026 | https://www.sundaramhome.in/uploads/downloads/Annual_Percentage_rate_on_Loans.pdf?v=3.0.72 |
| Aadhar Housing Finance Housing finance company | 11.75% – 17.00% | Floating, RPLR-linked | not published | 16th September 2026 | https://aadharhousing.com/more/service-and-charges |
| Muthoot Homefin Housing finance company | 12.25% – 15.00% | Floating, profile-based | not published | 16th September 2026 | https://www.muthoothomefin.com/loan-informations/?value=interestrate#interestrate |
| Vastu Housing Finance Housing finance company | 12.50% – 19.50% | Floating, PLR less spread | not published | 16th September 2026 | https://www.vastuhfc.com/home-loan |
| Aptus Value Housing Finance Housing finance company | 14.00% – 15.50% | Floating or fixed, PLR-linked | not published | 16th September 2026 | https://www.aptusindia.com/home-loans/ |
14 of 48 lenders publish an effective date for their home loan rate. Where a lender publishes none, this table says “not published” rather than substituting the date we happened to read the page — our reading date is the separate “Verified” column. Processing fees, prepayment rules and eligibility for each lender are on its own page — follow the lender’s name.
Lenders we track but could not source
These 6 lenders publish no home loan rate we could read from their own site on this pass — the rate sits behind an application, a login, or a page we could not retrieve. We list them rather than quietly omit them, and we will not fill the gap with a number from somewhere else.
Rates by credit score and loan size
A headline floor hides the thing that actually decides your rate. These 31 lenders publish how the rate moves with your profile; the rest publish only a starting rate or a range. Pick a lender type to see its grids.
10 of the 19 private banks listed here publish how the rate moves with your profile. The others publish a starting rate or a range without saying who gets which rate: HSBC, Kotak Mahindra Bank, HDFC Bank, IDFC FIRST Bank, Standard Chartered, IndusInd Bank, CSB Bank, Karur Vysya Bank and Bandhan Bank.
Saraswat Bank
from 7.35%Saraswat Home Plus · Co-operative bank
| Scheme | Rate | Condition |
|---|---|---|
| Saraswat Home Plus | 7.35% – 9.10% | Varies with CIBIL score |
| Women borrowers (priority-sector eligible) | Further 0.05% off | Concession |
Effective 20 June 2025. Saraswat publishes the range but not which score earns which rate.
Federal Bank
from 7.35%By product (loans above ₹35 lakh)
| Product | Rate |
|---|---|
| Home Loan — term loan | 7.35% – 9.50% |
| Home Loan — overdraft | 7.45% – 9.60% |
| Home Loan — plot + construction | 7.35% – 9.50% |
| Any of the above, loan below ₹35 lakh | +1.00% on the rate |
Federal Bank states its published rates apply to loans above ₹35 lakh; loans below that attract a rate 1% higher.
IDBI Bank
from 7.40%By product and employment
| Product / borrower | Rate |
|---|---|
| Plain Vanilla — salaried / self-employed professional | 7.40% – 10.00% |
| Plain Vanilla — self-employed non-professional | 7.60% – 11.50% |
| Rural / semi-urban, up to ₹35 lakh — salaried / SEP | 7.40% – 10.20% |
| Rural / semi-urban, up to ₹35 lakh — SENP | 7.80% – 11.70% |
| Home Loan Ultra Saver | 7.80% – 11.90% |
| Home loan top-up (housing purpose) | Home loan rate + 0.20% |
| Fixed, 3-year tenor | 10.90% |
| Fixed, above 3 years | 12.00% |
IDBI’s RLLR for new loans is 8.15%, with effect from 12 December 2025.
Karnataka Bank
from 7.48%By scheme
| Scheme | Rate |
|---|---|
| KBL Apna Ghar / Elite / AshaNivas / PMAY-U 2.0 ISS, up to ₹750 lakh | 7.48% – 11.80% |
| KBL Winback Scheme | 7.48% – 8.58% |
| KBL Ghar Niveshan (purchase of a house site) | 9.56% – 12.32% |
| KBL Home Top Up | 9.58% – 11.82% |
Effective 1 September 2026. Rates are linked to Karnataka Bank’s EBLR for loans up to ₹750 lakh.
J&K Bank
from 7.50%By credit score
| Credit score | Pricing | Rate |
|---|---|---|
| 750 and above | HLRLLR − 0.35% | 7.50% |
| 726 – 749 | HLRLLR − 0.25% | 7.60% |
| 701 – 725 | HLRLLR − 0.15% | 7.70% |
| 675 – 700 | HLRLLR + 0.10% | 7.95% |
| Below 675 | HLRLLR + 0.35% | 8.20% |
Effective 1 January 2026. HLRLLR is J&K Bank’s repo-linked lending rate for housing loans.
Tamilnad Mercantile Bank
from 7.90%By product
| Product | Rate |
|---|---|
| TMB ELITE Home Loan | 7.90% – 8.45% |
| TMB Home Loan | 8.80% – 9.30% |
Both products are priced off TMB’s RLLR of 8.25%, in force since 7 June 2026.
Axis Bank
from 8.00%By CIBIL score
| Borrower | Pricing | Rate |
|---|---|---|
| CIBIL 751 and above | Repo + 2.75% to Repo + 3.60% | 8.00% – 8.85% |
| CIBIL 750 and below / no credit history | Repo + 2.95% to Repo + 3.85% | 8.20% – 9.10% |
| ASHA Home Loan (affordable housing), salaried | Repo + 4.65% to Repo + 6.40% | 10.15% – 11.90% |
| ASHA Home Loan (affordable housing), self-employed | Repo + 5.65% to Repo + 6.40% | 11.15% – 11.90% |
Axis states the main ranges cover all its home loan variants, including Super Saver, QuikPay, Shubh Aarambh, Fast Forward, plot loans and banking-surrogate loans.
Dhanlaxmi Bank
from 8.20%By the bank’s internal rating grade
| Grade | Housing loan | Surrogate income | Fixed rate |
|---|---|---|---|
| AAA | 8.20% | 8.70% | 11.35% |
| AA | 8.30% | 8.80% | 11.45% |
| A | 8.40% | 8.90% | 11.50% |
| BBB | 9.00% | 9.50% | 11.60% |
| BB | 10.80% | 11.30% | 11.65% |
| B | 11.00% | 11.50% | 11.75% |
| C | 11.50% | 12.00% | 12.00% |
| Unrated (exposure below ₹2 lakh) | 9.00% | 9.50% | 11.55% |
Effective 1 September 2026. Grades are Dhanlaxmi’s internal credit ratings, not CIBIL bands.
City Union Bank
from 8.25%By bureau score and loan size (floating)
| 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.
ICICI Bank
from 8.50%By credit score, loan size and employment
| Rate card | Salaried | Self-employed |
|---|---|---|
| Special: credit score 800 | 8.50% | 8.50% |
| Special: credit score 750 – 800 | 8.50% | 8.60% |
| Standard: up to ₹35 lakh | 8.50% – 9.40% | 8.50% – 9.55% |
| Standard: ₹35 lakh – ₹75 lakh | 8.50% – 9.55% | 8.50% – 9.70% |
| Standard: above ₹75 lakh | 8.50% – 9.65% | 8.50% – 9.80% |
| Fixed for 24 months | 9.10% – 9.15% | — |
| Fixed for 37 months | 8.90% – 9.15% | — |
| Fixed for 120 months | 10.50% – 10.60% | — |
| Fixed for the full term | 10.90% – 11.20% | — |
Fixed-rate rows are published as one range, without a salaried / self-employed split.
9 of the 11 public sector banks listed here publish how the rate moves with your profile. The others publish a starting rate or a range without saying who gets which rate: Canara Bank and SBI.
Bank of Maharashtra
from 7.00%By CIBIL score and employment
| CIBIL score | Salaried | Non-salaried |
|---|---|---|
| 800 and above | 7.00% | 7.10% |
| 750 – 799 | 7.25% | 7.35% |
| 725 – 749 | 7.70% | 7.80% |
| 700 – 724 | 7.75% | 7.95% |
| 650 – 699 | 8.35% | 8.55% |
| 600 – 649 | 8.75% | 8.95% |
| Below 600 | 9.15% | 9.65% |
| No credit history (−1 to 5 / NTC) | 7.70% | 7.90% |
| Govt / PSU salaried, gross ₹50,000+, 700 and above (not via DSA) | 7.15% | — |
Maha Super Housing Loan scheme for the general public. Every rate is RLLR plus or minus a published spread.
Central Bank of India
from 7.00%By scheme
| Scheme | Pricing | Rate |
|---|---|---|
| Cent Grih Lakshmi (for women borrowers) | Repo + 1.75% to Repo + 3.00% | 7.00% – 8.25% |
| Cent Home | RBLR − 1.05% to RBLR + 0.50% | 7.20% – 8.75% |
| Cent Home Loan for 3rd / 4th / 5th house | RBLR − 0.55% to RBLR + 1.00% | 7.70% – 9.25% |
| Cent Home Double Plus | RBLR + 0.10% to RBLR + 0.90% | 8.35% – 9.15% |
Central Bank publishes a range per scheme and no credit-score grid.
Indian Overseas Bank
from 7.10%By credit score (CIC grade) and employment
| Grade (score) | Salaried | Non-salaried |
|---|---|---|
| CIC-1 (800 and above) | 7.10% | 7.20% |
| CIC-2 (775 – 799) | 7.15% | 7.25% |
| CIC-3 (750 – 774) | 7.45% | 7.55% |
| CIC-4 (725 – 749) and new to credit | 7.75% | 7.85% |
| CIC-5 (700 – 724) | 7.85% | 7.95% |
| CIC-6 (680 – 699) | 8.10% | 8.20% |
Rates are RLLR minus or plus a published spread for each grade.
Union Bank of India
from 7.15%By credit score (CIC)
| Credit score | Borrower | Rate |
|---|---|---|
| 825 and above | All | 7.15% |
| 750 and above | Government / PSU employees | 7.15% |
| 800 – 824 | All | 7.20% |
| 750 – 799 | Salaried / professional | 7.35% |
| 750 – 799 | Non-salaried | 7.40% |
| 700 – 749 | Salaried: male / female | 7.75% / 7.70% |
| 700 – 749 | Non-salaried: male / female | 7.85% / 7.80% |
| 680 – 699 | Salaried: male / female | 8.00% / 7.95% |
| 680 – 699 | Non-salaried: male / female | 8.10% / 8.05% |
| 650 – 679 | All | 8.85% |
| 600 – 649 | All | 9.35% |
Card effective 24 July 2026. Rates are EBLR plus or minus a spread for each band.
Indian Bank
from 7.15%By scheme
| Scheme | Rate |
|---|---|
| IB Home Loan / IB Home Loan (NRI) | 7.15% – 8.55% |
| Home Loan to Corporate Entity | 7.60% – 9.10% |
| IB Home Loan (CRE) | 7.65% – 9.05% |
| IB Home Loan Plus | 7.65% – 8.75% |
| Home Loan for EWS, LIG & MIG individuals (urban) | 7.75% – 9.15% |
| IB Home Enrich | 8.15% – 8.70% |
| IB Home Improve | 8.15% – 9.55% |
| Plot Loan / Plot Loan (NRI) | 8.15% – 9.55% |
Indian Bank publishes rates by scheme. No credit-score or loan-size grid appears on this page, and no effective date.
UCO Bank
from 7.15%By CIBIL score
| CIBIL score | Spread | Strategic discount | Rate |
|---|---|---|---|
| 850 and above | 0.05% | −0.95% | 7.15% |
| 825 – 849 | 0.15% | −0.95% | 7.25% |
| 800 – 824 | 0.25% | −0.95% | 7.35% |
| 750 – 799 | 0.45% | −0.95% | 7.55% |
| 700 – 749 | 0.75% | −0.95% | 7.85% |
| New to credit (0–1 or below 300) | 0.30% | 0.00% | 8.35% |
| 650 – 699 | 0.80% | 0.00% | 8.85% |
| 600 – 649 | 1.20% | 0.00% | 9.25% |
Each rate is UCO Float plus the spread, less the strategic discount where it applies.
Bank of Baroda
from 7.20%By scheme and loan size
| Scheme | Pricing | Rate |
|---|---|---|
| Baroda Home Loan / Home Improvement Loan | BRLLR − 0.70% to + 1.05% | 7.20% – 8.95% |
| Baroda Max Savings Home Loan, up to ₹75 lakh | BRLLR − 0.70% to + 1.05% | 7.20% – 8.95% |
| Baroda Max Savings Home Loan, above ₹75 lakh | BRLLR − 0.45% to + 1.30% | 7.45% – 9.20% |
| Baroda CRE Home Loan | BRLLR − 0.45% to + 1.30% | 7.45% – 9.20% |
| Baroda CRE Home Loan (Max Savings), above ₹75 lakh | BRLLR − 0.20% to + 1.55% | 7.70% – 9.45% |
The bank states that where you fall within each range depends on your loan limit and CIBIL score. It does not publish which score earns which spread.
PNB
from 7.25%By CIBIL score
| CIBIL score | Formula | Rate today |
|---|---|---|
| 800 and above | RLLR + BSP − 0.85% | 7.25% |
| 750 – 799 / PNB Pride | RLLR + BSP − 0.80% | 7.30% |
| 700 – 749 | RLLR + BSP − 0.25% | 7.85% |
| 600 – 699 | RLLR + BSP + 0.95% | 9.05% |
| Up to ₹30 lakh at 80–90% LTV: 750+ / PNB Pride | RLLR + BSP − 0.70% | 7.40% |
| Up to ₹30 lakh at 80–90% LTV: 700 – 749 | RLLR + BSP − 0.15% | 7.95% |
| Up to ₹30 lakh at 80–90% LTV: 600 – 699 | RLLR + BSP + 1.05% | 9.15% |
| Fixed, tenure up to 10 years (800+) | Fixed | 8.25% |
| Fixed, tenure above 10 years (800+) | Fixed | 8.75% |
Floating rates for loans above ₹30 lakh unless stated. PNB publishes no effective date for this grid.
Punjab & Sind Bank
from 7.35%By CIBIL score
| Scheme | CIBIL score | Rate |
|---|---|---|
| Apna Ghar & Kisan Home Loan | 825 and above | 7.35% |
| Apna Ghar & Kisan Home Loan | 791 – 824 | 7.45% |
| Apna Ghar & Kisan Home Loan | 750 – 790 | 7.60% |
| Apna Ghar & Kisan Home Loan | 725 – 749 | 7.95% |
| Apna Ghar & Kisan Home Loan | 700 – 724 | 8.30% |
| Apna Ghar & Kisan Home Loan | 650 – 699 | 9.10% |
| Apna Ghar & Kisan Home Loan | 649 and below | 10.75% |
| Apna Ghar Sahaj & Gaurav (Part A) | 825 and above | 7.35% |
| Apna Ghar Sahaj & Gaurav (Part A) | 791 – 824 | 7.40% |
| Apna Ghar Sahaj & Gaurav (Part A) | 750 – 790 | 7.55% |
| Apna Ghar Premium | 825 and above | 7.45% |
Card effective 16 July 2026. The bank notes a minimum of 7.15% on Apna Ghar Premium after concession.
All 18 non-bank lenders on this page are housing finance companies: a type of NBFC, regulated by the RBI, whose main business is home loans. Their rate grids are under HFCs. We don’t yet track a home lender from any other NBFC category.
12 of the 18 housing finance companies listed here publish how the rate moves with your profile. The others publish a starting rate or a range without saying who gets which rate: Home First Finance, IIFL Home Finance, Grihum Housing Finance, Truhome Finance, Capri Global Housing Finance and Aptus Value Housing Finance.
LIC Housing Finance
from 7.15%By CIBIL score and loan size (salaried)
| CIBIL score | Loan size | Rate |
|---|---|---|
| 825 and above | Up to ₹5 crore | 7.15% |
| 825 and above | ₹5 – 15 crore | 7.45% |
| 800 – 824 | Up to ₹5 crore | 7.35% |
| 775 – 799 | Up to ₹1 crore | 7.50% |
| 750 – 774 | Up to ₹1 crore | 7.60% |
| 725 – 749 | Up to ₹1 crore | 7.80% |
| 700 – 724 | Up to ₹1 crore | 8.10% |
| 600 – 699 | Up to ₹1 crore | 8.90% |
| 201 – 599 | Up to ₹1 crore | 9.70% |
| 150 – 200 (new to credit) | Up to ₹35 lakh | 7.80% |
| 101 – 149 (new to credit) | Up to ₹35 lakh | 8.10% |
| Self-employed, 825 and above | Up to ₹5 crore | 7.30% |
Selected rows from LIC Housing Finance’s published grid. Self-employed rates run about 0.15% above salaried at comparable bands.
Bajaj Housing Finance
from 7.25%By employment and loan type
| Loan type | Salaried | Self-employed |
|---|---|---|
| Home Loan | 7.25% – 10.25% | 7.70% – 10.65% |
| Home Loan (balance transfer) | 7.30% – 10.35% | 7.95% – 10.80% |
| Top-up | 8.30% – 10.40% | 9.20% – 10.85% |
Each group is priced against its own reference rate: 14.95% for salaried and 16.13% for self-employed borrowers.
PNB Housing Finance
from 7.50%By CIBIL score (loans up to ₹50 lakh)
| CIBIL score | Salaried | Non-salaried |
|---|---|---|
| 825 and above | 7.75% | 8.00% |
| 800 – 825 | 8.40% | 8.70% |
| 775 – 799 | 8.50% | 8.80% |
| 750 – 775 | 8.60% | 8.90% |
| 725 – 750 | 8.75% | 9.05% |
| 700 – 725 | 9.10% | 9.40% |
| Up to 700 | 9.75% | 10.05% |
| New to credit, score above 170 | 9.55% | 9.85% |
| New to credit, score 170 or below | 9.65% | 9.95% |
| 825 and above — ₹50 lakh to ₹1 crore | 7.60% | 7.85% |
| 825 and above — above ₹1 crore | 7.50% | 7.75% |
Starting rates. PNB Housing publishes separate cards for loans up to ₹50 lakh, ₹50 lakh to ₹1 crore, and above ₹1 crore.
Aditya Birla Housing Finance
from 7.75%Card rate and what borrowers actually paid
| Borrower | Rate |
|---|---|
| Salaried / self-employed professional | Starting from 7.75% |
| Self-employed non-professional | Starting from 8.00% |
| Home loans issued, quarter to 30 June 2026 — minimum / mean / maximum | 7.15% / 10.33% / 20.00% |
The last row is a disclosure of rates on loans actually contracted, not an advertised rate.
Tata Capital
from 8.00%By employment
| Borrower | Loan amount | Rate |
|---|---|---|
| Salaried | ₹5 lakh – ₹7.5 crore | 8.00% – 13.00% |
| Self-employed | ₹5 lakh – ₹7.5 crore | 8.35% – 13.00% |
Tata Capital publishes no grid by credit score within these ranges.
Can Fin Homes
from 8.95%By product and how you’re paid
| Product | Salaried & professional | Self-employed & non-professional |
|---|---|---|
| Individual Housing Loan — floating | 8.95% – 10.10% | 10.00% – 11.00% |
| Individual Housing Loan — fixed | 11.95% – 13.10% | 13.00% – 14.00% |
| Affordable Housing Loan — floating | 8.95% – 10.10% | 10.00% – 11.00% |
| Composite loan, Govt development agency layout — floating | 9.05% – 10.20% | — |
| Composite loan, approved private layout — floating | 9.20% – 10.35% | — |
| Individual Housing Loan, cash salary — floating | 10.70% – 11.95% | — |
| Can Fin Vishwas — fixed | 11.00% – 12.00% | — |
Selected rows. Can Fin Homes publishes no effective date for this card.
SMFG Grihashakti
from 9.25%Card rate and what borrowers actually paid
| Borrower | Rate |
|---|---|
| Salaried | Starting at 9.25% |
| Self-employed | Starting at 9.75% |
| Individual housing loans issued, April – June 2026 — minimum / mean / maximum | 9.35% / 12.09% / 16.00% |
The last row is a disclosure of rates on loans actually contracted.
Repco Home Finance
from 9.90%By income documentation and loan size
| Loan amount | Documented income | Non-documented income |
|---|---|---|
| Up to ₹30 lakh | 9.90% | 10.90% |
| ₹30 – 75 lakh | 10.05% | 11.05% |
| ₹75 lakh – ₹1.5 crore | 10.20% | 11.20% |
| Above ₹1.5 crore | 10.40% | 11.40% |
| Home loans issued, April – June 2026 — minimum / mean / maximum | 8.75% / 10.91% / 14.05% | — |
Rate reckoner updated 1 June 2026. Each rate is MLR plus a published spread.
Sundaram Home Finance
from 10.65%By employment
| Borrower | Rate |
|---|---|
| Housing — salaried | 10.65% onwards |
| Housing — self-employed individual | 11.15% onwards |
Effective 1 January 2026. Sundaram says rates vary with profile, loan type, loan amount, credit score and SH-PLR.
Aadhar Housing Finance
from 11.75%By employment
| Borrower | Rate | Set by |
|---|---|---|
| Salaried — home loan | 11.75% – 16.50% | Income and property |
| Self-employed — home loan | 12.75% – 17.00% | Income and property |
| Individual housing loans issued, Oct – Dec 2025 (mean) | 12.63% | Disclosure |
Aadhar’s RPLR fell from 17.65% to 17.50% on 10 February 2026.
Muthoot Homefin
from 12.25%By borrower profile
| Profile | Rate |
|---|---|
| Formal salaried | 12.25% |
| Formal self-employed (SENP / SEP) | 13.50% |
| Informal self-employed (SENP) | 14.50% |
| Informal salaried | 15.00% |
| Top-up | Primary loan rate + 1.50%, or 13.25%, whichever is higher |
| Housing loans issued, June 2026 quarter — min / weighted avg / mean / max | 11.25% / 12.99% / 13.15% / 18.00% |
The last row is a disclosure of rates on loans actually contracted.
Vastu Housing Finance
from 12.50%Card rate and what borrowers actually paid
| Borrower | Rate |
|---|---|
| Salaried | 12.50% – 19.50% |
| Self-employed | 13.00% – 19.50% |
| Housing loans issued, quarter to 31 March 2026 — minimum / weighted avg / maximum | 10.25% / 12.05% / 15.50% |
Card rates are expressed as PLR (19.92%) less a spread. The last row is a disclosure of rates on loans actually contracted.
What half a percent actually costs you
The reason to compare rates, in rupees. Same loan — ₹50,00,000 over 20 years — at the market floor and at rates half and one point above it.
| Interest rate | Monthly EMI | Total interest | Extra per month |
|---|---|---|---|
| 7.00% | ₹38,765 | ₹43,03,600 | market floor |
| 7.50% | ₹40,280 | ₹46,67,200 | +₹1,515 |
| 8.00% | ₹41,822 | ₹50,37,280 | +₹3,057 |
On a 20-year loan the rate matters far more than any one-time fee. A single percentage point is ₹7,33,680 of extra interest over the life of the loan.
Calculate your EMI at these rates
The table above starts at 7.00%. Put your own amount, rate and tenure in and see what it costs.
Home Loan EMI Calculator
Indicative reducing-balance arithmetic. Lender EMIs can differ with fees, rate resets and rounding.
EMI by loan amount
Worked numbers for the amounts people actually borrow, each with eligibility, documentation and prepayment detail for that loan size.
How we collect and check these rates
We read each lender's own published rate page, record the rate exactly as published along with the URL and the date we read it, and show the lender's effective date only where the lender states one. Rates shown are the published floor — the rate you are offered depends on your credit score, income, loan size and property, and is set by the lender, not by us.
We publish two dates, and never merge them. “Effective from” is the lender's own date, shown only where the lender states one — 14 of 48 do. “Verified” is the date we read the page. Using our reading date as an effective date would present our timestamp as the lender's, so we leave it blank instead.
We publish the floor as the lender publishes it. Where a lender quotes a formula against a benchmark — Bank of Baroda's BRLLR, PNB's RLLR + BSP — we show the resolved rate and name the benchmark and its date, so the arithmetic is checkable.
What we do not publish. Processing fees, and any rate we could not read from a lender's own page. Several lenders quote home loan rates only after an application; we would rather show 48 sourced rates than a longer table padded with numbers we cannot stand behind.