Best Home Loan rates in Patna, 2026.
Reviewed by Jay Patel· Last reviewed: stale
Patna, Bihar's capital, is seeing a real estate boom fuelled by improved road connectivity, the Patna Metro project, and government investment in infrastructure. Bailey Road and Boring Road remain the premium residential corridors.
Best home loan rates in Patna, Bihar start from 7.15% per annum in 2026, with loans up to Rs 10 crore and tenure up to 30 years across 40+ banks. Money Matrix Hub is a free DSA loan-advisory service.
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Home Loan Rates in Patna — Bank-wise Comparison
Updated April 2026. Showing 15 banks serving Patna.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| SBI | 8.25% – 9.15%Lowest | No prepayment charges on floating |
| BoB | 8.25% – 9.15%Lowest | Baroda Home Loan scheme |
| PNB | 8.3% – 9.2% | PNB Housing scheme |
| Canara | 8.3% – 9.25% | Canara Home Loan scheme |
| Union | 8.3% – 9.2% | Union Home scheme |
| LIC | 8.3% – 9.35% | Griha Prakash scheme |
| HDFC | 8.35% – 9.25% | Digital application process |
| ICICI | 8.35% – 9.3% | iMobile instant eligibility |
| Bajaj | 8.35% – 9.5% | Flexi home loan (OD feature) |
| Axis | 8.4% – 9.35% | Power advantage for high-value loans |
| Federal | 8.4% – 9.45% | Strong NRI desk |
| Kotak | 8.45% – 9.4% | 811 Dream Home Loan |
| Tata | 8.45% – 9.5% | Tata brand trust |
| IDFC | 8.5% – 9.5% | Digital-first processing |
| Bandhan | 8.5% – 9.5% | Affordable housing focus |
Updated April 2026: 15 banks offer home loan in Patna from 8.25% per annum. Actual rate depends on applicant profile, loan amount, and property location in Patna.
Home Loan Eligibility in Patna
General eligibility criteria for home loan applicants in Patna, Bihar.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Patna or Bihar
Self-Employed Applicants
- Age: 21 – 70 years
- Min Income: Rs 3 Lakhs/year ITR
- Business Vintage: 3 years
- CIBIL Score: 700+
- Business registered in India
How to Get a Home Loan in Patna — Step by Step
Our Patna team handles the entire process from application to disbursal.
Share Your Requirements
Tell us your Home Loan needs in Patna — amount, tenure preference, and property details. Our advisor will evaluate your profile within 30 minutes.
Compare 40+ Bank Offers
We fetch live rates from all banks in Patna and present you a side-by-side comparison showing rate, EMI, processing fee, and total interest payable.
Choose Your Best Offer
Pick the bank that suits you best based on rate, tenure flexibility, and service quality in Patna. We explain every term in plain language.
Documentation & Filing
Our team in Patna helps you compile the complete document set, fills out the application form, and submits it to the bank — saving you hours of branch visits.
Sanction & Disbursal
We follow up with the bank for swift processing. Expect sanction within 48 hours and disbursal within 7-10 working days in Patna. We stay with you until the last rupee is credited.
Documents Required for Home Loan in Patna
Keep these documents ready to speed up your home loan application in Patna.
For Salaried Applicants
- 1PAN Card & Aadhaar Card
- 2Last 6 months salary slips
- 3Last 2 years Form 16 / ITR
- 4Last 6 months bank statements
- 5Property documents (Agreement, Title deed)
- 6Passport-size photographs
- 7Address proof (utility bill / rent agreement)
For Self-Employed Applicants
- 1PAN Card & Aadhaar Card
- 2Last 3 years ITR with computation
- 3Last 3 years audited balance sheet & P&L
- 4Last 12 months bank statements (all accounts)
- 5Property documents (Agreement, Title deed)
- 6Business registration (GST, Udyam, Shop Act)
- 7Passport-size photographs
Home Loan in Patna — Frequently Asked Questions
Common questions about home loan in Patna, Bihar.
What are the current Home Loan rates in Patna in 2026?
Which bank offers the lowest Home Loan rate in Patna?
How much Home Loan can I get in Patna?
What documents are needed for a Home Loan in Patna?
How long does Home Loan processing take in Patna?
Other Loan Products in Patna
Explore more loan options available in Patna through Money Matrix Hub.
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