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Home Loan Interest Rates


(Last edited on : 18 April 2014)

Buying your first home can seem intimidating, especially when faced with many different loan types. Don't worry. Use this list to compare and narrow down the choices to know which is the best.
To help its customers get the best interest rates on home loans deal4loans has consolidated all the information regarding current rate of interest for all the banks at one place. Please keep visiting this section to check updated rate of interest for home loans.

With RBI measures to control Rupee devaluation, 4 Banks have increased rates by .25 basis points. They are Axis Bank, HDFC Ltd, ICICI Bank, Yes Bank & Kotak Mahindra.
Get Exact Quote on Home Loan Interest Rates From all Banks
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Bank A - Rates as low as 10%* | Bank B- Fixed rate for 10 years.*
Bank C- Last 12 month Emi waived off*
Check Your Free Customized Offers From 10 Other Banks.

Check Home Loan Interest Rates

Bank Name
Loan Amount
Loan Tenure
Bank Name
Floating Interest rate
Per lac EMI
Processing Fee Prepayment Charges % Change in last 6 mths
SBI - State Bank Of India 10.10% (For Women), 10.15% (For Others) Rs.972 (For Women), Rs.975 (For Others) Up to 25 lacs : 0.25% of loan amount minimum Rs.1000/-
25-75 lacs : Rs.3,250/-
75 & above : 5,000/-
Nil
1.45%
ICICI Bank 10.10% (For Female),10.15% (For Others) (Upto 25Lacs), then 10.25% Rs.972 (For Female), Rs.975 (For Others) (Upto 25Lacs), then Rs.982 0.50% of loan amount upto 1 crore N.A
1.44%
HDFC Ltd 10.25% Rs.982 0.5% or maximum 10,000+service tax (12.36%) No prepayment charges shall be payable for partial or full prepayments irrespective of the source
2.38%
HSBC Bank 10.75% - 11% Rs.1015 - Rs.1032 1% of the loan amount applied for, subject to a minimum of Rs 10000 plus service tax. This fee is payable on application and is not refundable Nil N.A
LIC Housing Scheme I: 10.20%(Fixed for 2 yrs)
Scheme II: 11.25%(Fixed for 10 yrs)
Scheme III: 12.25%(Fixed)
Scheme I: Rs.978 (Fixed for 2 yrs)
Scheme II: Rs.1049 (Fixed for 10 yrs)
Scheme III: Rs.1119 (Fixed)
Up to 50 lacs : 10,000 +(Service tax)
50 lacs & above : 15,000 +(service tax)
Nil No Change
AXIS Bank 10.25% (Upto 25 Lacs), then 10.50% Rs.982 (Upto 25 Lacs), then Rs.998 0.5% of the loan amount
(Max. 10000/- + service tax for Salaried)
Nil
No Change (Upto 25 Lacs), then 2.32%
IDBI 10.25% Rs.982 0.50% of loan amount + applicable tax subject to maximum of Rs. 50,000/- + applicable tax If Balance Transfer then 2% Otherwise Nil No Change
PNB Housing Finance Scheme I: 10.50% - 11.25% (Fixed for 3 yrs)
Scheme II: 10.60% - 11.25% (Fixed for 5 yrs)
Scheme III: 10.75% - 11.25% (Fixed for 10 yrs)
Scheme I: Rs.998 - Rs.1049 (Fixed for 3 yrs)
Scheme II: Rs.1005 - Rs.1049 (Fixed for 5 yrs)
Scheme III: Rs.1015 - Rs.1049 (Fixed for 10 yrs)
0.5% NIL No Change
ING Vysya 10.75% - 11.25% Rs.1015 -Rs.1049 0.5% of the loan amount NIL N.A
Standard Chartered 10% (Upto 25Lacs), then 10.25% - 10.50% Rs.965 (Upto 25Lacs), then Rs.982 - Rs.998 Rs.5500/- + Service tax NIL
0.10% (Upto 25Lacs), then 0.98% - 2.43%
Citibank Scheme I: 10.25%*(without Home Credit facility)
Scheme II: 10.50%*(with Home Credit facility)
Scheme I: Rs.982 (without Home Credit facility)
Scheme II: Rs.998 (with Home Credit facility)
0.25% (For Salaried)
0.5% (For Self Employed)
NIL No Change
Deutsche Bank 10.50% Rs.998 12000 + Service Tax Nil N.A
DHFL 10.50% (for salaried), 10.75% (For SEMP) Rs.998 (For salaried), Rs.1015 (For SEMP) 1% for Salaried & 1.5% for SENP NIL No Change
India Bulls 10.25% (Upto 25Lacs), then 11% Rs.981 (Upto 25Lacs), then Rs.1032 Rs.7500 + 12.36%(Upto 30Lacs)
, else 0.5% of the loan amount
NIL
1.44% (Upto 25Lacs), the No change
Federal Bank 10.55% Rs.1002 7,000 + Service Tax N.A
0.47%
Bank of Maharastra 10.55% (Upto 25lacs), then 10.75% Rs.1002 (Upto 25lacs), then Rs.1015 Up to 25 Lakh : NIL
Above 25 Lakh : 0.25% of the Loan Amount: Subject to a Maxium Rs. 25,000
Nil
2.92% (Upto 25lacs), then 4.87%
Allahabad Bank 10.20% (Upto 25Lacs), then 10.45% Rs.978 (Upto 25Lacs), then Rs.995 upto 30 lacs: 0.60% of the loan amount subject to max. Rs.12000
30 lacs - 75 lac: 0.45% of the loan amount subject to max. Rs.24000
above 75 lacs - 300 lacs: 0.35% of the loan amount subject to max. Rs.60000
above 300 lacs: 0.25% of the loan amount subject to max. Rs.70000
NIL N.A
Central Bank of India 10.25% Rs.982 0.50% of the loan amount subject to maximum of Rs.20,000/- Nil
2.38%
Corporation Bank 10.25% Rs.982 0.50% of Loan amount (Max.Rs.50,000/-) NIL
2.38%
Bank of India 10.20% Rs.978 @0.25% of loan amount Min.Rs.1, 000 and Max. Rs.20,000/- Nil
0.48%
Union Bank of India 10.25% Rs.982 N.A NIL
2.5%
United Bank of India 10.50% (Upto 25Lacs), Then 10.55% Rs.998 (Upto 25Lacs), Then Rs.1002 0.50% of the loan amount N.A
2.43% (Upto 25Lacs), Then 2.92%
UCO Bank 10.20% Rs.978 0.5% of the loan amount, minimum Rs.1500/- & maximum Rs. 15000/- NIL N.A
Bank of Baroda 10.25% Rs.982 Loan upto Rs.30 Lacs - 0.50% (Minimum Rs.5,000/-)
Above 30 Lacs - 0.40% (Min. Rs.15,000/- & Max. Rs.50,000/-)
N.A. N.A
Canara Bank 10.20% Rs.978
2.51%
Oriental Bank of Commerce 10.25% Rs.982 0.50% of the loan amount, subject to maximum of Rs. 20000/- + service tax Nil No Change
Kotak Bank 10.25% Rs.982 0.25% - 0.5% 2% on Balance transfer else NIL
4.65%
Dena Bank 10.25% Rs.982 0.50% of sanctioned limit Nil
0.48%
Punjab National Bank 10.25% Rs.982 N.A
First Blue Home Finance 10.25% (for Salaried / SEP), 10.75% (For Self Employed) (Upto 25Lacs), Then 10.75% (for Salaried / SEP), 11.25% (For Self Employed) Rs.982 (for Salaried / SEP), Rs.1015 (For Self Employed) Salaried: Up to 30 lacs :7300
30 - 75 lacs : 11800
75 lacs & above : 15,000 + service tax(12.36%)
Nil N.A
Vijaya Bank 10.50% Rs.998 0.25% of loan amount. Maximum Rs.10000. Exclusive of Service Tax N.A N.A
Syndicate Bank 10.25% Rs.982 upto Rs.25 lacs - 0.25% (Min Rs 1000 - Max Rs 5000)
26 lacs to 75 lacs - 0.55% (Max.Rs.500/-)
above Rs.75 lacs - 0.55% (Max Rs.10000/-)
N.A
2.38%
Indian Overseas Bank 10.25% Rs.982 A flat rate of 0.58% of the loan amount- maximum of Rs. 10,190/- There is no hidden charge. This is subject to change from time to time without prior intimation. N.A N.A
Development Credit Bank 11.50% Rs.1066 1% Nil N.A
State Bank of Travancore 10.25%-10.50% Rs.982 - Rs.998 Processing fees stands reduced by50% of normal charges during the campaign period NIL N.A
Tata capital Housing Finance ltd 10.50% - 11% (Salaried), 10.95% - 11.45% (SEP/SENP) Rs.1066 - Rs.1032 (Salaried), Rs.1028 - Rs.1062 (SEP/SENP) 0.5 to 1% off the loan amount. N.A N.A
Dhanalakshmi Bank 11.50% - 11.75% Rs.1066 - Rs.1084 1% + service tax N.A
Indian Bank 10.25% Rs.982 0.25% of loan amount with a maximum of Rs.20,000 Nil
0.49%
Before apply for home loan, Calculate your home loan emi with Home Loan EMI Calculator
Disclaimer: Please note that the interest rates given here are based on the market research. To enable the comparisons certain set of data has been reorganized / restructured / tabulated .Users are advised to recheck the same with the individual companies / organizations. This site does not take any responsibility for any sudden / uninformed changes in interest rates.
Banks/ Financial Institutions can contact us at customercare@deal4loans.com for inclusions or updates.