Loan guidancePublished lender figuresLender terms vary

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

2026-W17

This dated board lists starting home and other loan rates from the lenders in the current dataset. Use it to shortlist questions, then confirm current offers, fees, and eligibility with the lender; the 7.15%* figure is an illustrative comparison scenario, not a guaranteed or universal rate.Dated rate-board information covering 98+ lender × product combinations across 9 loan types. Figures can change and should be checked against current lender documents.

Reviewed by Jay Patel· Last reviewed: 19 Apr 2026

Co-Founder & Chief Loan Advisor

Lowest listed in snapshot8.25%

Illustrative comparison7.15%

Rows reviewed98

Lender rate matrix

Filter by product, search lenders, and sort columns. 9 loan types, 98+ dated/indicative rows; verify current terms before applying.

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

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

Public

8.30%

up to 9.25%

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

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

Public

8.30%

up to 9.85%

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

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

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

Private

8.40%

up to 9.35%

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

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

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

Private

8.50%

up to 9.50%

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

HFC

8.50%

up to 9.40%

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

NBFC

8.65%

up to 10.25%

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

Private

8.85%

up to 10.50%

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

Private

8.95%

up to 10.75%

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

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 starting rates from the panel alongside a fixed comparison scenario.

State Bank of India8.25%
Bank of Baroda8.25%
ScenarioIllustrative comparison7.15%

This week's observations

01

SBI and BoB are listed at 8.25–8.60%

in this snapshot. The 7.15% scenario is

02

Private banks (HDFC, ICICI, Axis, Kotak)

are listed at 8.35–8.75% in this

03

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

are listed 10–25 bps above bank rates in this snapshot; ITR requirements and pricing vary by lender and profile.

04

Balance transfer comparisons

should include the existing lender's foreclosure

How to read this board

Starting Rate

Processing Fee

Max Tenure

When does this board refresh?

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.

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