Agra, Uttar PradeshIndicative from 7.15% p.a.

Home Loan · Agra

Compare Home Loan rates in Agra, 2026.

Reviewed by Jay Patel· Last reviewed: 25 Apr 2026

Co-Founder & Chief Loan Advisor

Agra benefits from the Yamuna Expressway, Lucknow-Agra Expressway, and the upcoming Agra Metro. Dayal Bagh and Kamla Nagar are the premium residential pockets for professionals and tourism-industry families.

Indicative Starting Rate

7.15%

Property Range

Rs 16L – 70L

Max Amount

Rs 10 Cr

Max Tenure

30 Yrs

Get Rates for Agra Call +91 87991 21051

Compare Home Loan options in Agra

Review the available rate information for Agra; lender pricing and eligibility vary by applicant and property.

Published/Indicative Rates

Compare the lender rate entries shown for home loan; final pricing depends on lender policy and your details.

Agra Local Expertise

Our advisors know Agra's top areas: Dayal Bagh, Kamla Nagar, Sikandra, Tajganj and more.

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Lender Processing Timeline

Processing times vary by lender, application details, documents and verification.

Home Loan Rates in Agra — Published/Indicative Comparison

Updated April 2026. Figures are published/indicative and may change; verify current lender terms.

Bank	Rate (p.a.)	Processing Fee	Max Amount	Max Tenure	Key Feature
SBI	8.25% – 9.15%Lowest shown	0.35% (min Rs 2,000, max Rs 10,000)	Rs 10 Cr	30 yrs	No prepayment charges on floating
BoB	8.25% – 9.15%Lowest shown	0.25% (min Rs 1,500, max Rs 7,500)	Rs 10 Cr	30 yrs	Baroda Home Loan scheme
PNB	8.3% – 9.2%	0.35% (min Rs 2,500, max Rs 15,000)	Rs 8 Cr	30 yrs	PNB Housing scheme
Canara	8.3% – 9.25%	0.50% (max Rs 10,000)	Rs 5 Cr	30 yrs	Canara Home Loan scheme
Union	8.3% – 9.2%	0.50% (max Rs 15,000)	Rs 5 Cr	30 yrs	Union Home scheme
LIC	8.3% – 9.35%	0.50% (max Rs 10,000)	Rs 5 Cr	30 yrs	Griha Prakash scheme
HDFC	8.35% – 9.25%	0.50% or Rs 3,000 (whichever is higher)	Rs 10 Cr	30 yrs	Digital application process
ICICI	8.35% – 9.3%	0.50% (min Rs 3,000, max Rs 10,000)	Rs 10 Cr	30 yrs	iMobile instant eligibility
Bajaj	8.35% – 9.5%	Up to 0.50% (negotiable for premium customers)	Rs 5 Cr	30 yrs	Flexi home loan (OD feature)
Axis	8.4% – 9.35%	Up to 1.00% (max Rs 10,000)	Rs 5 Cr	30 yrs	Power advantage for high-value loans
Federal	8.4% – 9.45%	0.50% (max Rs 7,500)	Rs 5 Cr	30 yrs	Strong NRI desk
Kotak	8.45% – 9.4%	0.50% (max Rs 10,000)	Rs 5 Cr	20 yrs	811 Dream Home Loan
Tata	8.45% – 9.5%	Up to 0.50%	Rs 5 Cr	30 yrs	Tata brand trust
IDFC	8.5% – 9.5%	Up to 3% (negotiable)	Rs 5 Cr	30 yrs	Digital-first processing
Bandhan	8.5% – 9.5%	0.50% (max Rs 10,000)	Rs 3 Cr	25 yrs	Affordable housing focus

Updated April 2026: published/indicative home loan rate entries for Agra are shown from 8.25% per annum. Actual rate, eligibility and approval depend on lender policy, applicant profile, loan amount and property location.

Home Loan Eligibility in Agra

General eligibility criteria for home loan applicants in Agra, Uttar Pradesh.

Salaried Applicants

Age: 21 – 65 years
Min Income: Rs 25,000/month
Work Experience: 2 years
CIBIL Score: 700+
Property in Agra or Uttar Pradesh

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 a Home Loan application may progress in Agra

Typical steps run from application to disbursal; lender approval and disbursal decisions remain with the lender.

Share Your Requirements

Share your Home Loan needs in Agra — amount, tenure preference, and property details. An advisor can review the information provided, while lender assessment timing and decisions vary.

Compare Available Lender Information

Review available lender information in Agra in a side-by-side comparison of indicative rate, EMI, processing fee, and total interest. Confirm current lender documents before applying.

Compare Lender Terms

Compare lender terms in Agra based on rate, tenure flexibility, fees, and service information. The lender controls the final offer and decision.

Documentation & Filing

Use the lender's current checklist to compile documents in Agra. Submit the application through the channel the lender confirms and retain copies of everything provided.

Lender Sanction & Disbursal

Sanction and disbursal timing in Agra are controlled by the lender and may vary with underwriting, property checks, and documentation. Confirm current lender timelines and disbursal conditions.

Documents Required for Home Loan in Agra

Keep these documents ready to speed up your home loan application in Agra.

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 Agra — Frequently Asked Questions

Common questions about home loan in Agra, Uttar Pradesh.

What are the current Home Loan rates in Agra in 2026?

Home Loan rates in Agra are indicative within a 7.15% to 9.5% range and depend on the bank, loan amount, and applicant profile. Available lender information can help compare options; the lender controls the final offer.

Which bank offers the lowest Home Loan rate in Agra?

SBI and HDFC may be competitive for some Home Loan profiles in Agra, but rates change with lender policy and borrower details. Review available lender information and confirm current rates and terms in lender documents.

How much Home Loan can I get in Agra?

In Agra, the potential Home Loan amount can be up to Rs 10 Crore, subject to lender assessment of income, credit score, property value, and current criteria. Average property prices in Agra range from Rs 16 Lakhs to Rs 70 Lakhs.

What documents are needed for a Home Loan in Agra?

Standard documents include PAN, Aadhaar, income proof (salary slips or ITR), bank statements (6-12 months), and property documents. Some banks operating in Agra may require additional documents based on the Uttar Pradesh state regulations.

How long does Home Loan processing take in Agra?

Home Loan processing in Agra may take several working days from document submission to sanction. Timing depends on the lender, documents, property, and applicant profile; sanction and disbursal are lender-controlled. Confirm current requirements and timelines with the lender.

Other Loan Products in Agra

Explore more loan options available in Agra through Money Matrix Hub.

Business Loan

Indicative from 10% p.a. in Agra

Loan Against Property

Indicative from 8.75% p.a. in Agra

Balance Transfer

Indicative from 8.25% p.a. in Agra

Builder Project Finance

Indicative from 12% p.a. in Agra

NRI Home Loan

Indicative from 8.5% p.a. in Agra

Areas listed for Home Loan in Agra

Localities included in the Agra reference data.

Dayal BaghKamla NagarSikandraTajganjShastripuramKhandariCivil LinesVibhav Nagar

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