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One-on-one guidance on choosing fixed vs. floating rate and optimal tenure.
Bank of Baroda
Baroda Home Loan
Standard
Best for home buyers wanting a long-tenure loan.
Interest Rate
8.40% – 10.60% p.a.
Interest Type
floating
Processing Fee
0.25%-0.50% (Min ₹8,500; Max ₹25,000)
Loan Amount
from ₹5,00,000 | up to ₹2,00,00,000
Loan
Zero Prepayment Penalty | Up to ₹20 Cr
Key Numbers
Minimum Interest Rate
8.4% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹5 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
30 months. Available tenures show the official duration range for this product.
Best For
retail. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 0.25%-0.50% (Min ₹8,500; Max ₹25,000). Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 0.25%-0.50% (Min ₹8,500; Max ₹25,000). Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Loan-to-Value
80% of the property value. Loan-to-value states the official funding limit against asset value.
FOIR
50% of monthly income. FOIR states the official repayment-capacity boundary.
Eligibility
Founder-certified: Salaried and self-employed. CIBIL 700+ preferred.
Watch Out For
Foreclosure
NIL for floating rate loans. Foreclosure states the official full early-closure rule or charge.
Rate Type
floating. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://www.bankofbaroda.in/personal-banking/loans/home-loans/baroda-home-loan. The official source reference proves where the product data was verified. Use this to verify the source before applying.
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Verified Information
Verified Source
https://www.bankofbaroda.in/personal-banking/loans/home-loans/baroda-home-loan
Verification Date
2026-07-21
Founder Certified
Yes — Founder Certified
Bank of Baroda
Baroda Max Savings Home Loan
Max Savings
Best for home buyers wanting a long-tenure loan.
Interest Rate
8.40% – 10.60% p.a.
Interest Type
floating
Processing Fee
0.25%-0.50% (Min ₹8,500; Max ₹25,000)
Loan Amount
from ₹5,00,000 | up to ₹2,00,00,000
Loan
retail. Best For identifies the official customer segment, product family, or highlighted fit signal.
Key Numbers
Minimum Interest Rate
8.4% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹5 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
30 months. Available tenures show the official duration range for this product.
Best For
retail. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 0.25%-0.50% (Min ₹8,500; Max ₹25,000). Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 0.25%-0.50% (Min ₹8,500; Max ₹25,000). Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Loan-to-Value
80% of the property value. Loan-to-value states the official funding limit against asset value.
FOIR
50% of monthly income. FOIR states the official repayment-capacity boundary.
Eligibility
Salaried and self-employed. CIBIL 700+ preferred.
Watch Out For
Foreclosure
NIL for floating rate loans. Foreclosure states the official full early-closure rule or charge.
Rate Type
floating. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://www.bankofbaroda.in/personal-banking/loans/home-loans/baroda-max-savings. The official source reference proves where the product data was verified. Use this to verify the source before applying.
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Verified Information
Verified Source
https://www.bankofbaroda.in/personal-banking/loans/home-loans/baroda-max-savings
Verification Date
2026-06-13
Founder Certified
Yes — Founder Certified
Bank of Baroda
Baroda Pre-Approved Home Loan
Pre-Approved
Best for home buyers wanting a long-tenure loan.
Interest Rate
8.40% – 10.60% p.a.
Interest Type
floating
Processing Fee
0.25%-0.50% (Min ₹8,500; Max ₹25,000)
Loan Amount
from ₹5,00,000
Loan
salary. Best For identifies the official customer segment, product family, or highlighted fit signal.
Key Numbers
Minimum Interest Rate
8.4% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹5 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
30 months. Available tenures show the official duration range for this product.
Turnaround Time
₹3 (Founder-certified). Turnaround time states the official or stored processing timeline.
Best For
salary. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 0.25%-0.50% (Min ₹8,500; Max ₹25,000). Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 0.25%-0.50% (Min ₹8,500; Max ₹25,000). Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Loan-to-Value
80% of the property value. Loan-to-value states the official funding limit against asset value.
FOIR
50% of monthly income. FOIR states the official repayment-capacity boundary.
Eligibility
Salaried with stable income. CIBIL 700+.
Watch Out For
Foreclosure
NIL for floating rate loans. Foreclosure states the official full early-closure rule or charge.
Rate Type
floating. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://www.bankofbaroda.in/personal-banking/loans/home-loans. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://www.bankofbaroda.in/personal-banking/loans/home-loans
Verification Date
2026-06-13
Founder Certified
Yes — Founder Certified
Bank of Baroda
Baroda Cre HL
Cre HL (3rd Home+)
Best for home buyers wanting a long-tenure loan.
Interest Rate
8.40% – 10.60% p.a.
Interest Type
floating
Processing Fee
0.25%-0.50% (Min ₹8,500; Max ₹25,000)
Loan Amount
from ₹5,00,000 | up to ₹2,00,00,000
Loan
hni. Best For identifies the official customer segment, product family, or highlighted fit signal.
Key Numbers
Minimum Interest Rate
8.4% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹5 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
30 months. Available tenures show the official duration range for this product.
Best For
hni. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 0.25%-0.50% (Min ₹8,500; Max ₹25,000). Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 0.25%-0.50% (Min ₹8,500; Max ₹25,000). Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Loan-to-Value
80% of the property value. Loan-to-value states the official funding limit against asset value.
FOIR
50% of monthly income. FOIR states the official repayment-capacity boundary.
Eligibility
High income individuals purchasing 3rd or subsequent property. CIBIL 750+.
Watch Out For
Foreclosure
NIL for floating rate loans. Foreclosure states the official full early-closure rule or charge.
Rate Type
floating. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://www.bankofbaroda.in/personal-banking/loans/home-loans. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://www.bankofbaroda.in/personal-banking/loans/home-loans
Verification Date
2026-06-13
Founder Certified
Yes — Founder Certified
IndusInd Bank
IndusInd Bank Home Loan
Salaried
Best for home buyers wanting a long-tenure loan.
Interest Rate
8.75% – 11.50% p.a.
Interest Type
floating
Processing Fee
0.5%-1.5%
Loan Amount
from ₹5,00,000
Loan
Competitive home loan at 8.75% with balance transfer
Key Numbers
Minimum Interest Rate
8.75% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹5 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
30 months. Available tenures show the official duration range for this product.
Best For
salary. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 0.5%-1.5%. Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 0.5%-1.5%. Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Loan-to-Value
90% of the property value. Loan-to-value states the official funding limit against asset value.
FOIR
50% of monthly income. FOIR states the official repayment-capacity boundary.
Eligibility
Salaried: min ₹30K/month, CIBIL 700+. Eligibility states the official customer requirements for the product.
Watch Out For
Foreclosure
NIL for floating. Foreclosure states the official full early-closure rule or charge.
Rate Type
floating. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://www.indusind.com/in/en/personal/loans/home-loan.html. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://www.indusind.com/in/en/personal/loans/home-loan.html
Verification Date
2026-06-13
Founder Certified
Yes — Founder Certified
RBL Bank
RBL Bank Home Loan
Salaried
Best for home buyers wanting a long-tenure loan.
Interest Rate
9% – 12.50% p.a.
Interest Type
floating
Processing Fee
1.5% or ₹15,000 (whichever higher)
Loan Amount
from ₹5,00,000 | up to ₹15,00,00,000
Loan
Hassle-free home loans with digital processing
Key Numbers
Minimum Interest Rate
9% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹5 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
30 months. Available tenures show the official duration range for this product.
Best For
salary. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 1.5% or ₹15,000 (whichever higher). Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 1.5% or ₹15,000 (whichever higher). Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Loan-to-Value
90% of the property value. Loan-to-value states the official funding limit against asset value.
FOIR
50% of monthly income. FOIR states the official repayment-capacity boundary.
Eligibility
Salaried: min ₹25K/month, CIBIL 700+. Eligibility states the official customer requirements for the product.
Watch Out For
Foreclosure
NIL for floating rate (individual) per RBI mandate. Foreclosure states the official full early-closure rule or charge.
Rate Type
floating. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/57fc8bdbd_FounderCertifiedLoanMasterPDFV1.pdf. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/57fc8bdbd_FounderCertifiedLoanMasterPDFV1.pdf
Verification Date
2026-07-21
Founder Certified
Yes — Founder Certified
Ujjivan Small Finance Bank
Ujjivan Home Purchase Loan
Home Purchase/Construction
Best for home buyers wanting a long-tenure loan.
Interest Rate
9.99% – 15.99% p.a.
Interest Type
floating
Processing Fee
0.75%-2% + GST
Loan Amount
from ₹2,00,000 | up to ₹75,00,000
Loan
Affordable housing finance for the underserved segment
Key Numbers
Minimum Interest Rate
9.99% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹2 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
25 months. Available tenures show the official duration range for this product.
Best For
retail. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 0.75%-2% + GST. Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 0.75%-2% + GST. Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Loan-to-Value
80% of the property value. Loan-to-value states the official funding limit against asset value.
FOIR
50% of monthly income. FOIR states the official repayment-capacity boundary.
Eligibility
Salaried or self-employed · Formal/informal income segments · Age 21-65 · CIBIL 650+ · Property in serviceable area · First-time home buyer preferred. Eligibility states the official customer requirements for the product.
Watch Out For
Foreclosure
NIL for floating rate salaried; 4%-5% self-employed. Foreclosure states the official full early-closure rule or charge.
Rate Type
floating. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/57fc8bdbd_FounderCertifiedLoanMasterPDFV1.pdf. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/57fc8bdbd_FounderCertifiedLoanMasterPDFV1.pdf
Verification Date
2026-07-09
Founder Certified
Yes — Founder Certified
Jana Small Finance Bank
Jana Home Loan
Affordable Housing
Best for home buyers wanting a long-tenure loan.
Interest Rate
8.50% – 13% p.a.
Interest Type
floating
Processing Fee
0.5%-1%
Loan Amount
from ₹5,00,000 | up to ₹50,00,000
Loan
Affordable Housing — Inclusive Income Segments
Key Numbers
Minimum Interest Rate
8.5% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹5 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
30 months. Available tenures show the official duration range for this product.
Best For
retail. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 0.5%-1%. Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 0.5%-1%. Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Loan-to-Value
80% of the property value. Loan-to-value states the official funding limit against asset value.
FOIR
50% of monthly income. FOIR states the official repayment-capacity boundary.
Eligibility
First-time buyer, monthly income ₹15K-50K. Eligibility states the official customer requirements for the product.
Watch Out For
Foreclosure
Founder-certified: NIL for floating rate (individual); 4% for fixed rate/LAP. Foreclosure states the official full early-closure rule or charge.
Rate Type
floating. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://janabank.com/home-loan. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://janabank.com/home-loan
Verification Date
2026-05-05
Founder Certified
Yes — Founder Certified
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