Folio · Rate Board · Rates as of 2026-04-19

2026-W17

Name: MoneyMatrixHub 2026 Rate Board
Creator: Money Matrix Hub
License: https://creativecommons.org/licenses/by/4.0/
Keywords: home, personal, business, lap, refi, top-up, education, car, gold

This board lists starting home and other loan rates from 20+ Indian banks and NBFCs, refreshed weekly. Use it to shortlist lenders, then WhatsApp Jay for a file-specific quote — most borrowers land in the 8.25–9.5% band, not the 7.15%* negotiated headline.Live, weekly-reviewed rate board covering 98+ lender × product combinations across 9 loan types from 20+ Indian banks and NBFCs. Reviewed every Monday by Jay Patel.

Reviewed by Jay Patel· Last reviewed: 19 Apr 2026stale

Jay Patel

Co-Founder & Chief Loan Advisor

Lowest published8.25%

MMH negotiated7.15%

Rows reviewed98

Live rate matrix

Filter by product, search lenders, and sort columns. 9 loan types, 98+ rows reviewed weekly.

Showing 22 of 22 home rates

	Type			Processing fee
State Bank of IndiaLowest	Public	8.25	9.15	0.35% (min Rs 2,000, max Rs 10,000)	10	30
Bank of Baroda	Public	8.25	9.15	0.25% (min Rs 1,500, max Rs 7,500)	10	30
Punjab National Bank	Public	8.30	9.20	0.35% (min Rs 2,500, max Rs 15,000)	8	30
Canara Bank	Public	8.30	9.25	0.50% (max Rs 10,000)	5	30
Union Bank	Public	8.30	9.20	0.50% (max Rs 15,000)	5	30
LIC Housing Finance	NBFC	8.30	9.35	0.50% (max Rs 10,000)	5	30
Bank of India	Public	8.30	9.85	0.25% (max Rs 20,000)	5	30
HDFC Bank	Private	8.35	9.25	0.50% or Rs 3,000 (whichever is higher)	10	30
ICICI Bank	Private	8.35	9.30	0.50% (min Rs 3,000, max Rs 10,000)	10	30
Bajaj Housing Finance	NBFC	8.35	9.50	Up to 0.50% (negotiable for premium customers)	5	30
Bank of Maharashtra	Public	8.35	10.15	0.25%	3	30
Axis Bank	Private	8.40	9.35	Up to 1.00% (max Rs 10,000)	5	30
Federal Bank	Private	8.40	9.45	0.50% (max Rs 7,500)	5	30
Kotak Mahindra Bank	Private	8.45	9.40	0.50% (max Rs 10,000)	5	20
Tata Capital	NBFC	8.45	9.50	Up to 0.50%	5	30
IDFC First Bank	Private	8.50	9.50	Up to 3% (negotiable)	5	30
Bandhan Bank	Private	8.50	9.50	0.50% (max Rs 10,000)	3	25
HDFC Ltd (HFC)	HFC	8.50	9.40	0.5%	10	30
L&T Finance	NBFC	8.65	10.25	0.5%	5	30
IndusInd Bank	Private	8.85	10.50	0.5%	5	30
Yes Bank	Private	8.95	10.75	0.5%	5	30
RBL Bank	Private	9.10	11.50	1%	3	30

State Bank of India

PublicLowest

8.25%

up to 9.15%

Processing: 0.35% (min Rs 2,000, max Rs 10,000)
Max tenure: 30 yr
Max loan: 10 Cr

Bank of Baroda

Public

8.25%

up to 9.15%

Processing: 0.25% (min Rs 1,500, max Rs 7,500)
Max tenure: 30 yr
Max loan: 10 Cr

Punjab National Bank

Public

8.30%

up to 9.20%

Processing: 0.35% (min Rs 2,500, max Rs 15,000)
Max tenure: 30 yr
Max loan: 8 Cr

Canara Bank

Public

8.30%

up to 9.25%

Processing: 0.50% (max Rs 10,000)
Max tenure: 30 yr
Max loan: 5 Cr

Union Bank

Public

8.30%

up to 9.20%

Processing: 0.50% (max Rs 15,000)
Max tenure: 30 yr
Max loan: 5 Cr

LIC Housing Finance

NBFC

8.30%

up to 9.35%

Processing: 0.50% (max Rs 10,000)
Max tenure: 30 yr
Max loan: 5 Cr

Bank of India

Public

8.30%

up to 9.85%

Processing: 0.25% (max Rs 20,000)
Max tenure: 30 yr
Max loan: 5 Cr

HDFC Bank

Private

8.35%

up to 9.25%

Processing: 0.50% or Rs 3,000 (whichever is higher)
Max tenure: 30 yr
Max loan: 10 Cr

ICICI Bank

Private

8.35%

up to 9.30%

Processing: 0.50% (min Rs 3,000, max Rs 10,000)
Max tenure: 30 yr
Max loan: 10 Cr

Bajaj Housing Finance

NBFC

8.35%

up to 9.50%

Processing: Up to 0.50% (negotiable for premium customers)
Max tenure: 30 yr
Max loan: 5 Cr

Bank of Maharashtra

Public

8.35%

up to 10.15%

Processing: 0.25%
Max tenure: 30 yr
Max loan: 3 Cr

Axis Bank

Private

8.40%

up to 9.35%

Processing: Up to 1.00% (max Rs 10,000)
Max tenure: 30 yr
Max loan: 5 Cr

Federal Bank

Private

8.40%

up to 9.45%

Processing: 0.50% (max Rs 7,500)
Max tenure: 30 yr
Max loan: 5 Cr

Kotak Mahindra Bank

Private

8.45%

up to 9.40%

Processing: 0.50% (max Rs 10,000)
Max tenure: 20 yr
Max loan: 5 Cr

Tata Capital

NBFC

8.45%

up to 9.50%

Processing: Up to 0.50%
Max tenure: 30 yr
Max loan: 5 Cr

IDFC First Bank

Private

8.50%

up to 9.50%

Processing: Up to 3% (negotiable)
Max tenure: 30 yr
Max loan: 5 Cr

Bandhan Bank

Private

8.50%

up to 9.50%

Processing: 0.50% (max Rs 10,000)
Max tenure: 25 yr
Max loan: 3 Cr

HDFC Ltd (HFC)

HFC

8.50%

up to 9.40%

Processing: 0.5%
Max tenure: 30 yr
Max loan: 10 Cr

L&T Finance

NBFC

8.65%

up to 10.25%

Processing: 0.5%
Max tenure: 30 yr
Max loan: 5 Cr

IndusInd Bank

Private

8.85%

up to 10.50%

Processing: 0.5%
Max tenure: 30 yr
Max loan: 5 Cr

Yes Bank

Private

8.95%

up to 10.75%

Processing: 0.5%
Max tenure: 30 yr
Max loan: 5 Cr

RBL Bank

Private

9.10%

up to 11.50%

Processing: 1%
Max tenure: 30 yr
Max loan: 3 Cr

Home loan · 2026-04-19

The rate ladder

Published floors from the panel — then the rate Jay fights for on your file.

State Bank of India8.25%
Bank of Baroda8.25%
Through usNegotiated rate7.15%

This week's observations

SBI and BoB remain the price anchors

at 8.25–8.60% published, but the discount

Private banks (HDFC, ICICI, Axis, Kotak)

are pricing at 8.35–8.75% with more

Housing finance specialists (LIC Housing, Bajaj Housing, Tata Capital, PNB Housing)

are 10–25 bps above bank rates but accept thinner ITR vintage — useful for self-employed.

Balance transfer window

is attractive this week: existing HDFC / ICICI borrowers

Negotiated rate: Money Matrix Hub currently holds a **7.15% p.a.** indicative home-loan > rate for qualifying borrowers — below the published floor of most banks listed. The > negotiated rate applies on a per-file basis and is not a blanket product. Ask Jay via > WhatsApp for an eligibility check.

How to read this board

Rates are indicative and subject to borrower eligibility. A rate quoted on this page is not an offer until a bank issues a sanction letter.

Get the 7.15% quote on your file

Jay or Rushik will reply on WhatsApp — usually within a few hours. Free, no obligation.

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