Axis vs Bandhan Home Loan, 2026.
Reviewed by Jay Patel· Last reviewed:
Axis Bank and Bandhan Bank side by side — interest rate, EMI, processing fee and fine print — so you can see which one suits your profile.
Axis vs Bandhan — Home Loan Comparison
Key parameters compared side by side.
| Parameter | Axis | Bandhan |
|---|---|---|
| Interest Rate (p.a.) | 8.2% – 9.15% | 7.4% – 12.2% |
| Processing Fee | Up to 1% or ₹10,000 (whichever is higher) + GST | 0.50% (max ₹10,000) |
| Max Loan Amount | Rs 5 Cr | Rs 3 Cr |
| Max Tenure | 30 Years | 25 Years |
| Bank Type | Private Sector | Private Sector |
| Founded | 1993 | 2015 |
| Headquarters | Mumbai | Kolkata |
Interest Rate (p.a.)
Axis
8.2% – 9.15%
Bandhan
7.4% – 12.2%
Lower/better: Bandhan
Processing Fee
Axis
Up to 1% or ₹10,000 (whichever is higher) + GST
Bandhan
0.50% (max ₹10,000)
Max Loan Amount
Axis
Rs 5 Cr
Bandhan
Rs 3 Cr
Lower/better: Axis
Max Tenure
Axis
30 Years
Bandhan
25 Years
Lower/better: Axis
Bank Type
Axis
Private Sector
Bandhan
Private Sector
Founded
Axis
1993
Bandhan
2015
Headquarters
Axis
Mumbai
Bandhan
Kolkata
Rates as of September 2026. Subject to change based on RBI policy and bank revisions.
EMI Comparison
Estimated EMI for Rs 50 Lakh home loan for 20 years at each bank's listed starting rate.
Axis
Bandhan
Savings: Choosing Bandhan saves you approximately ₹2,472 per month, or ₹5,93,280 in total interest over the loan tenure.
Feature Comparison
Key features offered by Axis and Bandhan for home loan.
| Feature | Axis | Bandhan |
|---|---|---|
| Power advantage for high-value loans | ||
| Step-up EMI option | ||
| Approved project list across India | ||
| Online tracking portal | ||
| Affordable housing focus | ||
| Quick sanction | ||
| Flexible documentation for informal income | ||
| Tier-2 and Tier-3 city specialist |
Power advantage for high-value loans
Step-up EMI option
Approved project list across India
Online tracking portal
Affordable housing focus
Quick sanction
Flexible documentation for informal income
Tier-2 and Tier-3 city specialist
Which Is Better — Axis or Bandhan?
It depends on your priorities. Here is a quick guide.
Choose Axis If...
- Higher max loan amount (Rs 5 Cr vs 3 Cr)
- Longer max tenure (30 yrs vs 25 yrs)
- Lower maximum rate (9.15% vs 12.2%)
Choose Bandhan If...
- Lower starting interest rate (7.4% vs 8.2%)
Need context for this comparison? Contact Money Matrix Hub to discuss the displayed lender information. Any service terms and lender decisions should be confirmed before proceeding.
Eligibility Comparison
General eligibility criteria for home loan at both banks.
Axis Eligibility
- CIBIL score: 700+ preferred
- Min income: Rs 25,000 per month (salaried)
- Self-employed: 3+ years of business vintage
- Age: 21–65 years (salaried), 25–70 years (self-employed)
- Indian resident or NRI (with conditions)
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Bandhan Eligibility
- CIBIL score: 700+ preferred
- Min income: Rs 25,000 per month (salaried)
- Self-employed: 3+ years of business vintage
- Age: 21–65 years (salaried), 25–70 years (self-employed)
- Indian resident or NRI (with conditions)
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Frequently Asked Questions
Common questions about Axis vs Bandhan home loan.
Which bank has a lower home loan interest rate in 2026 — Axis or Bandhan?
Bandhan currently shows a lower published starting rate of 7.4% p.a. for home loan. However, the actual rate you receive depends on lender eligibility, current documentation, credit score, income, and loan amount. Money Matrix Hub can help you compare available lender information from both banks.
What is the maximum home loan amount I can get from Axis vs Bandhan?
Axis offers a higher maximum loan amount of up to Rs 5 Cr. Axis offers up to Rs 5 Cr while Bandhan offers up to Rs 3 Cr for home loan.
Which bank charges a lower processing fee for home loan — Axis or Bandhan?
Axis lists a processing fee of Up to 1% or ₹10,000 (whichever is higher) + GST, while Bandhan lists 0.50% (max ₹10,000). Fees and waivers can depend on lender policy and borrower eligibility, so confirm the current Key Fact Statement before accepting an offer.
Should I choose Axis or Bandhan for home loan in 2026?
The best choice depends on your specific needs. Axis offers rates from 8.2%–9.15% with a max tenure of 30 years, while Bandhan offers 7.4%–12.2% with 25 years tenure. Contact Money Matrix Hub for a personalised comparison based on your profile.
Can Money Matrix Hub help me apply for a home loan from both Axis and Bandhan?
Money Matrix Hub can help you compare available lender information for Axis and Bandhan. Any application, credit enquiry, offer, sanction decision, lender fee, and borrower charge are subject to the relevant lender's current policy and documentation.
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