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Home Loan Interest Rates 2026
Compare indicative home-loan rates from leading banks and housing finance companies and estimate your EMI.
From 7.10% p.a.Indicative starting rate
Up to 30 yearsIndicative tenure
Fixed, floating or hybridRate choices
Applicant and property basedAssessment
Final rate depends on credit profile, income, property, loan-to-value ratio and lender policy.
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Current indicative home loan rates
A small rate difference can materially affect interest across a long tenure. Compare reset terms, benchmark, spread and all charges.
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Home Loan Interest Rates by lender
| Bank / NBFC / HFC | Indicative interest rate | Processing fee | Rate type | |
|---|---|---|---|---|
 Axis Bank | 8.00% - 11.90% p.a. | As per lender policy | Floating | Enquire |
 HDFC Bank | 7.20% p.a. onwards | As per lender policy | Floating | Enquire |
 ICICI Bank | 7.50% p.a. onwards | As per lender policy | Floating | Enquire |
 State Bank of India | 7.25% - 9.05% p.a. | As per lender policy | Floating | Enquire |
BaBajaj Housing Finance | 7.25% p.a. onwards | As per lender policy | Floating | Enquire |
BaBank of India | 7.10% - 10.25% p.a. | As per lender policy | Floating | Enquire |
 Canara Bank | 7.15% - 10.00% p.a. | As per lender policy | Floating | Enquire |
EaEasy Home Finance | 8.99% p.a. onwards | As per lender policy | Floating | Enquire |
FeFederal Bank | 7.30% - 10.75% p.a. | As per lender policy | Floating | Enquire |
GoGodrej Housing Finance | 7.65% p.a. onwards | As per lender policy | Floating | Enquire |
HDHDFC Sales Pvt. Ltd. | 7.20% p.a. onwards | As per lender policy | Floating | Enquire |
HoHome First Finance | 8.00% p.a. onwards | As per lender policy | Floating | Enquire |
IDIDBI Bank | 7.35% p.a. onwards | As per lender policy | Floating | Enquire |
 IDFC FIRST Bank | 8.85% p.a. onwards | As per lender policy | Floating | Enquire |
InIndia Shelter Home Loan | 10.50% p.a. onwards | As per lender policy | Floating | Enquire |
JiJio Housing Finance | 8.20% p.a. onwards | As per lender policy | Floating | Enquire |
L&L&T Finance Limited | 7.65% p.a. onwards | As per lender policy | Floating | Enquire |
LILIC Housing Finance Limited | 7.15% - 10.00% p.a. | As per lender policy | Floating | Enquire |
PiPiramal Capital Housing Finance | 9.99% p.a. onwards | As per lender policy | Floating | Enquire |
PNPNB Housing Finance | 7.50% p.a. onwards | As per lender policy | Floating | Enquire |
PuPunjab & Sind Bank | 7.30% - 10.70% p.a. | As per lender policy | Floating | Enquire |
 Punjab National Bank | 7.20% - 9.30% p.a. | As per lender policy | Floating | Enquire |
RBRBL Bank | 8.20% p.a. onwards | As per lender policy | Floating | Enquire |
SaSammaan Capital | 8.75% p.a. onwards | As per lender policy | Floating | Enquire |
ShShubham Housing Finance | 10.45% p.a. onwards | As per lender policy | Floating | Enquire |
 Tata Capital Housing Finance | 7.75% p.a. onwards | As per lender policy | Floating | Enquire |
Displayed figures are indicative references, not a binding offer. Confirm the current rate, APR and charges in the lender's official disclosure before applying.
Plan before you apply
Home Loan Interest Rates EMI Calculator
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Features and benefits
Long-term EMI planning
Estimate EMI and total interest across the selected tenure.
Property-linked checks
Understand valuation, title and loan-to-value considerations.
Balance-transfer review
Compare potential savings after including all transfer costs.
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How it works
Share applicant profile
Provide income, credit and required loan amount details.
Identify property
Share property type, location and transaction information when available.
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Review rate type, fees, tenure and lender conditions.
Complete verification
The lender completes legal, technical and credit assessment.
Indicative criteria
Who may be eligible?
- Stable and documentable income
- Acceptable credit and repayment history
- Property acceptable under lender legal and technical policy
- Required own contribution or down payment
- Age and tenure within lender criteria
What determines a home loan rate?
Home-loan pricing depends on credit score, income stability, employment or business profile, loan amount, loan-to-value ratio, property assessment, tenure and lender benchmark policy.
Fixed, floating and hybrid rates
A fixed rate remains unchanged for the agreed period. A floating rate moves with the applicable benchmark and spread. A hybrid structure may remain fixed initially and later become floating. Confirm reset frequency and conversion charges.
How to manage interest cost
- Maintain a strong credit and repayment profile.
- Choose a comfortable tenure without extending it unnecessarily.
- Consider a higher down payment while retaining emergency funds.
- Compare balance-transfer savings only after including all charges.
Common questions
Frequently Asked Questions
What is the difference between fixed and floating home loan rates?
A fixed rate remains unchanged for the agreed period, while a floating rate may change with the applicable lender benchmark and spread.
Can a small rate difference change total home loan cost?
Yes. Because home loans usually have large amounts and long tenures, even a small rate difference can materially change total interest.
Important disclosure
Home-loan rates are indicative and may change with lender benchmarks and applicant or property assessment. Final rate, fees, eligibility and approval are determined only by the respective lender.