FreeUpdated 17 Oct 2026. Bank pages and comparison sites.

Home loan rates by lender

Compare what each lender lists, then see what yours should be.

Rates as of 17 Oct 2026. "Onwards" means only the lowest rate is published. You get the low end only with a high credit score and a salaried profile. Always confirm with the lender.

• Bank of Baroda7.20% to 8.95%Comparison siteFee: ₹8,500–₹25,000

  • Fixed option 8.90–9.95%

  The bank's page shows two starting rates (7.20% in the heading, 7.5% in its description). We use 7.20%. Check with the bank.

  Source page

• Bank of Maharashtra7.25% to 9.90%Bank's own pageFee: Up to 0.25%, max ₹25,000

  • Fixed option 11.60–12.90%

  Maha Super Housing Loan, floating rate. The bank page shows no date.

  Source page

• LIC Housing Finance7.25% onwardsComparison siteFee: 0.25% up to ₹1 crore, max ₹15,000 + GST

  The bank's page shows 7.25%* (the asterisk is not explained). Check with the lender.

  Source page

• South Indian Bank7.25% onwardsComparison siteFee: 0.50% (₹10,000–₹50,000)

  No other details collected.

• Bank of India7.35% to 10.25%Comparison siteFee: 0.25% (₹1,500–₹20,000)

  The starting 7.35% and the processing fee match the bank's own page. The upper end is from a comparison site.

  Source page

• Federal Bank7.35% to 9.25%Comparison siteFee: 0.50% (₹10,000–₹2 lakh)

  No other details collected.

• Canara Bank7.40% to 10.25%Bank's own pageFee: 0.50% (₹1,500–₹10,000) + GST

  From the bank's rate table dated 12 Dec 2025, so it may be out of date. Check with the bank.

  Source page

• IDBI Bank7.40% to 11.90%Comparison siteFee: 0.50% + taxes

  No other details collected.

• Union Bank of India7.40% to 9.85%Bank's own pageFee: 0.50%, max ₹15,000 + GST

  From the bank's rate sheet effective 8 Oct 2026 (linked to its EBLR). The home loan page itself says 'starts at 8.60%'. Check with the bank.

  Source page

• Central Bank of India7.45% to 9.00%Bank's own pageFee: 0.50%, max ₹20,000

  • Cent Grih Lakshmi 7.25–8.50%

  Cent Home scheme, linked to the bank's own lending rate. Page updated 8 Oct 2026.

  Source page

• HSBC7.45% onwardsComparison siteFee: Ask the bank

  • Fixed option 12.75%
• Punjab National Bank7.45% to 9.85%Bank's own pageFee: 0.35% (₹2,500–₹15,000)

  • Fixed option up to 11.35%

  Festival offer, 1 Oct to 31 Dec 2026. The 7.45% start needs a loan above ₹30 lakh, loan-to-value up to 80% and a CIBIL score of 800 or more.

  Source page

• Karnataka Bank7.48% to 11.80%Comparison siteFee: 0.25%

  • KBL Xpress: nil fee at ₹75 lakh
• Bajaj Housing Finance7.50% to 10.65%Bank's own pageFee: Ask the lender

  • Salaried home loan 7.50–10.25%
  • Self-employed home loan 8.05–10.65%
  • Balance transfer: salaried 7.60–10.35%, self-employed 8.30–10.80%
  • Top-up: salaried 8.60–10.40%, self-employed 9.50–10.85%

  Official page. A comparison site lists 7.15% onwards.

  Source page

• ICICI Home Finance7.50% onwardsComparison siteFee: Ask the lender

  From a January 2026 list. Not rechecked.

• Jammu & Kashmir Bank7.50% to 8.20%Comparison siteFee: 0.25% (₹2,000–₹50,000)

  No other details collected.

• State Bank of India7.50% to 8.45%Comparison siteFee: 0.35% + GST (₹2,000–₹10,000)

  • Regular home loan
  • Top-up 8.00–10.50%
  • Maxgain overdraft 7.75–8.70%
  • Balance transfer from 7.50%
  • Loan against property 9.20–10.50%
  • Reverse mortgage 10.55%
  • Women get a concession

  The starting 7.50% matches SBI's own page (effective 15 Oct 2026). The upper end is from a comparison site. Other sites list 7.25% onwards.

  Source page

• Kotak Mahindra Bank7.60% onwardsComparison siteFee: Up to 2% (nil online)

  • Fixed option 12.00%

  The starting 7.60% matches Kotak's own page. The bank does not publish the upper end there.

  Source page

• Punjab & Sind Bank7.60% to 11.00%Comparison siteFee: 0.25% above ₹75 lakh

  No other details collected.

• Dhanlaxmi Bank7.65% onwardsComparison siteFee: 1%, min ₹10,000

  No other details collected.

• Aditya Birla Housing Finance7.75% onwardsComparison siteFee: Ask the lender

  No other details collected.

• Godrej Housing Finance7.75% onwardsComparison siteFee: Ask the lender

  From a January 2026 list. Not rechecked.

• HDFC Home Loans (HDFC Ltd)7.75% to 13.20%Comparison siteFee: Up to 0.50%, min ₹4,000

  No other details collected.

• IDFC First Bank7.75% onwardsComparison siteFee: Up to 3%

  No other details collected.

• PNB Housing Finance7.90% onwardsComparison siteFee: Ask the lender

  From a January 2026 list. Not rechecked.

• Standard Chartered7.99% onwardsComparison siteFee: 1%

  No other details collected.

• HDFC Bank8.00% to 13.45%Bank's own pageFee: Up to 0.50%, min ₹4,000

  • Rate is repo + 2.50% to 7.95%
  • 8.50% for credit score 800+

  The bank's page also shows a 7.20% headline that its own table does not back up. Check before relying on it.

  Source page

• Tata Capital Housing Finance8.00% to 13.00%Bank's own pageFee: Up to 3% + GST

  From the lender's rate table (salaried 8.00–13.00%, self-employed from 8.35%). Its text also mentions 7.50% and 8.75%. Check with the lender.

  Source page

• Tamilnad Mercantile Bank8.15% to 9.55%Comparison siteFee: 0.50% + GST

  No other details collected.

• Axis Bank8.20% to 9.10%Bank's own pageFee: Up to 1%, min ₹10,000 + taxes

  • Fixed option 14%

  Bank headline says from 8.20%. A comparison site lists 8.00–9.10%.

  Source page

• Karur Vysya Bank8.50% to 10.65%Comparison siteFee: Ask the bank

  No other details collected.

• Truhome Finance8.50% to 21.00%Comparison siteFee: At the lender's discretion

  No other details collected.

• Bandhan Bank8.55% to 13.52%Comparison siteFee: Ask the bank

  No other details collected.

• Yes Bank8.65% onwardsComparison siteFee: 1.5% or ₹10,000, whichever is higher

  No other details collected.

• ICICI Bank8.75% to 10.05%Bank's own pageFee: 0.50% + taxes

  • Pre-approved digital loan from 7.55%
  • Fixed for 2, 3, 5 or 10 years: 8.90–11.20%
  • Full-term fixed 10.90–11.20%
  • Loan against property 10.85–12.50%

  Official page, valid till 31 Oct 2026. Salaried up to ₹35 lakh: 8.75–9.65%.

  Source page

• GIC Housing Finance8.80% onwardsComparison siteFee: ₹2,500 + GST

  No other details collected.

• HUDCO9.10% to 9.60%Comparison siteFee: Ask the lender

  No other details collected.

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Sources: each bank's own rate page where marked, otherwise public rate listings, Oct 2026. Listings do not always agree with banks, so confirm on the bank's page. Rates move with the RBI repo rate and your profile.

Common questions

What is the lowest home loan interest rate in October 2026?

7.20% onwards, as listed on 17 October 2026. You usually need a credit score above 800 and a salaried profile to get it.

Why do banks quote a range of rates?

The rate depends on your credit score, loan size, job type and whether the loan is for a new purchase or a transfer. The low end is for the best profiles.

How often are these rates updated?

We re-check them regularly and show the date and source for each. Confirm on the lender's own page before you apply.