How we source and verify home loan rates
We publish interest rates on a topic where being wrong costs people real money. This page sets out exactly where our numbers come from, how they are dated, and what we will not publish.
Where the numbers come from
Every rate is read from the lender's own published interest-rate page, and the full URL is printed against each row. We do not source rates from other comparison sites, from press coverage, or from lender marketing copy — only from the page where the lender itself states the rate.
Where a lender quotes a formula against a benchmark rather than a plain number — Bank of Baroda prices off BRLLR, PNB off RLLR plus a base spread — we publish the resolved rate and name the benchmark and its own effective date, so the arithmetic can be checked rather than taken on trust.
Two dates, never merged
Effective from is the lender's own date for the rate. It appears only where the lender publishes one — 14 of our 48 lenders do.
Verified is the date we read the page. It is always shown.
The remaining 34 lenders publish no effective date at all. For those rows the table says not published. We could quietly print our own reading date in that column and the page would look more complete — but it would be presenting our timestamp as the lender's, which is precisely the small dishonesty that makes a rate table untrustworthy.
What "starting from" actually means
A published floor is the lowest rate a lender advertises, and it is an entry condition rather than an offer. It normally assumes a credit score in the top band, a salaried applicant with documented income, and a loan-to-value ratio well inside the lender's cap.
Some lenders publish a grid showing how the rate moves with your credit score or loan size; we reproduce those grids in full because they tell you far more than a floor does. Others publish one number and assess privately. Neither approach is better, but the second means the advertised rate carries less information.
What we do not publish
- Fees we couldn’t read from the lender itself. Each lender page shows the processing fee, prepayment rules and eligibility from that lender’s own schedule of charges or product pages. Where a lender’s pages contradict each other, we say so; where a figure can’t be pinned down, we leave it out rather than estimate it.
- Any lender whose rate we could not read from its own page. Several quote home loan rates only after an application. We would rather publish 48 sourced rates than a longer table padded with numbers we cannot stand behind.
- A "best bank" verdict. The leading floors sit within a fraction of a percentage point of each other, and the spread a lender adds is set after it sees your file. Declaring a winner would be a claim about your circumstances that we cannot make.
Current limitations
This is a manually verified snapshot, not yet an automated feed. Each rate was read by hand on 16th September 2026. A daily automated refresh with change detection is in build; until it ships, the verification date on each row is the honest measure of how current the data is.
We track 48 lenders, not the whole market. The set expands as we add sources we can read reliably.
Rate history starts from when we started collecting it. No official source publishes historical per-lender home loan rates in India, so this cannot be backfilled. Any rate history we publish will be labelled with the date our tracking began.
Found something wrong? Tell us and we will check it against source and correct it — see our corrections policy.