Standard Chartered Home Loan Interest Rate — 16th September 2026
Foreign bank
The lowest home loan interest rate Standard Chartered publishes is 7.99%. We read Standard Chartered’s rate page on 16 September 2026; this page reproduces what it says, explains the parts that matter, and turns the rates into EMIs you can plan around.
Starting rate
7.99%
Top of published range
Not published
Benchmark
Not stated
Effective from
Not published
Read from Standard Chartered’s own website on 16 September 2026. Source and method
Standard Chartered home loan interest rate card
What Standard Chartered publishes
| Home loan | Rate |
|---|---|
| Home loan | Starting at 7.99% p.a. |
No range, credit-score grid or effective date is published.
What Standard Chartered’s interest rate card tells you
Standard Chartered publishes a single figure — home loans starting at 7.99% — and nothing else about rates: no range, no credit-score grid, no effective date. Its website calculator accepts rates up to 12%, but that is an input limit rather than a rate the bank quotes, so we don’t treat it as a ceiling. With this little disclosed, 7.99% is best used as an opening reference in a conversation with the bank, and your written quote is what should go into any comparison.
Its floor puts Standard Chartered 26th out of 48 lenders on our list, and 11th among the 19 private banks. Unlike a repo-linked bank loan, Standard Chartered’s pricing follows a benchmark it sets itself — which Standard Chartered can move independently of the RBI. Its starting rate sits 2.74 points over today’s 5.25% repo rate. With no upper figure published, 7.99% is the only fixed point on Standard Chartered’s card; anything above it is decided case by case.
EMI at Standard Chartered’s home loan interest rate
What Standard Chartered’s 7.99% starting rate costs each month on common loan sizes. Treat these as the lowest EMI Standard Chartered would charge, not the likely one.
| Loan amount | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|
| ₹25 lakh | ₹30,319 | ₹23,877 | ₹20,895 | ₹19,279 |
| ₹40 lakh | ₹48,510 | ₹38,203 | ₹33,433 | ₹30,846 |
| ₹60 lakh | ₹72,765 | ₹57,304 | ₹50,149 | ₹46,269 |
| ₹90 lakh | ₹1,09,147 | ₹85,957 | ₹75,224 | ₹69,404 |
Reducing-balance EMI, before processing fees and insurance. Run your own numbers →
Standard Chartered against lenders priced nearby
The four lenders whose published starting rates sit closest to Standard Chartered’s, with the EMI each floor produces on ₹50 lakh over 20 years.
| Lender | Published rate | EMI, ₹50 lakh / 20 yrs | vs Standard Chartered |
|---|---|---|---|
| Standard Chartered Foreign bank | 7.99% onwards | ₹41,791 | — |
| Axis Bank Private sector bank | 8.00% – 9.10% | ₹41,822 | +₹31/mo |
| IndusInd Bank Private sector bank | 8.00% – 15.00% | ₹41,822 | +₹31/mo |
| Home First Finance Housing finance company | 8.00% – 17.50% | ₹41,822 | +₹31/mo |
| Tata Capital Housing finance company | 8.00% – 13.00% | ₹41,822 | +₹31/mo |
What moves your rate at Standard Chartered
- With one published figure to go on, ask Standard Chartered for your spread over its benchmark as well as your rate, so the quote can be compared line for line with a bank that publishes a grid.
- With no published grid, the only way to see your real rate is to ask for it. Request a written quote that states the spread over the benchmark as well as the rate, so you can compare it fairly.
- 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.
Processing fee and other Standard Chartered charges
| Processing fee | Up to 1% of the sanctioned amount plus GST; non-refundable. On a ₹50 lakh loan, that comes to at most ₹50,000, before GST. |
|---|---|
| Prepayment and foreclosure | None on floating-rate loans. Fixed-rate loans: 2.5% on pre-closure; part-prepayments are free up to 25% of the outstanding each calendar year. |
| Switching between fixed and floating | Up to 1% of the outstanding |
| Late payment | 24% a year |
Standard Chartered’s FAQ gives a range of 0.5% to 1% depending on the scheme. Its schedule of charges is dated December 2024.
Source: Standard Chartered’s own schedule of charges, read on 16 September 2026: https://av.sc.com/in/content/docs/in-mortgage-sosc.pdf
Who Standard Chartered lends to
| Who can apply | Salaried and self-employed individuals, resident or NRI. |
|---|---|
| Age | Minimum 21 |
| Longest term | 25 years |
| Loan amount | ₹10 lakh to ₹35 crore |
Source: Standard Chartered’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://www.sc.bank.in/loans/home-loan-emi-calculator/
Standard Chartered home loan interest rate — common questions
What is the current Standard Chartered home loan interest rate?
How much does Standard Chartered charge to process a home loan?
How long can a Standard Chartered home loan run?
Does Standard Chartered publish home loan rates by credit score?
How much is the monthly EMI on ₹50 lakh at Standard Chartered?
Is the Standard Chartered home loan interest rate floating or fixed?
How does Standard Chartered compare with Axis Bank?
Where these figures come from
Source: Standard Chartered’s own interest rate page, read by BankCreds on 16 September 2026: https://www.sc.bank.in/loans/home-property-loans/home-loans/
Standard Chartered publishes no effective date for this rate, so we don’t show one.
This is the first reading in our Standard Chartered rate history, taken on 16 September 2026, and future changes will be dated from it. The fees and eligibility shown were read from Standard Chartered’s own schedule of charges and product pages.
Rates are what Standard Chartered publishes, not an offer: the rate you’re quoted is set by Standard Chartered after it assesses your application. How we collect and check rates →