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Home/Home Loans

Home Loans

Buy, Build or Renovate — Rates Starting 7.20% p.a.

General Banking Guidance— category overview. Certified product facts appear in each product card below.

42 products· 21 banks

Home/Products/Home Loans

Home Loans

Buy, Build or Renovate — Rates Starting 7.20% p.a.

General Banking Guidance— category overview. Certified product facts appear in each product card below.

What is this?

A home loan (also called a housing loan or mortgage) is a secured loan taken to purchase, construct, renovate, or extend a residential property. The property itself serves as collateral. Interest rates are EBLR/RLLR-linked (external benchmark) and change with RBI repo rate.

Available Variants

Regular Home Loan (purchase)

Home Construction Loan

Home Renovation / Extension Loan

Plot + Construction Loan

Balance Transfer Home Loan

Top-up Loan on Existing Home Loan

NRI Home Loan

Pradhan Mantri Awas Yojana (PMAY) subsidy loans

Key Benefits

Up to 90% LTV for properties under ₹30L

Tenures up to 30 years

No prepayment charges on floating-rate loans (RBI mandate)

Tax benefit — Principal: 80C up to ₹1.5L; Interest: 24(b) up to ₹2L

PMAY subsidy for affordable housing

Balance transfer with top-up facility

Joint application improves loan eligibility

Eligibility Criteria

Salaried & self-employed Indian residents; age 21–70 years (loan must close before 70); CIBIL 650+ recommended; minimum income ₹15,000–₹25,000/month (varies by bank). NRIs eligible with NRE/NRO account.

Who Should Choose This?

First-time home buyers
Salaried professionals
Self-employed business owners
NRIs buying property in India
Existing home loan holders wanting lower rates (balance transfer)

Need help choosing?

Our advisors coordinate with banks for exclusive rates not available publicly.

Data verified from: Official bank websites — verified April 2026

ProductsBank-wise Products

42 products across 21 banks

Bank of Baroda

Baroda Home Loan

Standard

Home 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

Bank of Baroda

Baroda Max Savings Home Loan

Max Savings

Home 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

Bank of Baroda

Baroda Pre-Approved Home Loan

Pre-Approved

Home 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

Bank of Baroda

Baroda Cre HL

Cre HL (3rd Home+)

Home 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

ESAF Small Finance Bank

ESAF Home Loan

Standard

Home Loan

Interest Rate

7.77% – 12% p.a.

Interest Type

floating

Processing Fee

Up to 1% + GST

Loan Amount

from ₹3,00,000 | up to ₹5,00,00,000

IndusInd Bank

IndusInd Bank Home Loan

Salaried

Home Loan

Interest Rate

8.75% – 11.50% p.a.

Interest Type

floating

Processing Fee

0.5%-1.5%

Loan Amount

from ₹5,00,000

RBL Bank

RBL Bank Home Loan

Salaried

Home 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

Ujjivan Small Finance Bank

Ujjivan Home Purchase Loan

Home Purchase/Construction

Home 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

Jana Small Finance Bank

Jana Home Loan

Affordable Housing

Home 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

Equitas Small Finance Bank

Equitas Home Loan

Home Purchase / Construction / Improvement / BT

Home Loan

Interest Rate

10.50% – 15.50% p.a.

Interest Type

hybrid

Processing Fee

Up to 2% of loan amount

Loan Amount

from ₹5,00,000 | up to ₹3,00,00,000

RBL Bank

RBL Bank Home Loan Prime

Prime

Home Loan

Interest Rate

9% – 11.55% 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

RBL Bank

RBL Bank Plot Loan

Plot Loan

Home Loan

Interest Rate

9% – 11.55% 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

RBL Bank

RBL Bank Home Loan Standard

Standard

Home Loan

Interest Rate

9% – 11.55% p.a.

Interest Type

hybrid

Processing Fee

1.5% or ₹15,000 (whichever higher)

Loan Amount

from ₹5,00,000 | up to ₹15,00,00,000

Jana Small Finance Bank

Jana Home Improvement Loan

Home Improvement

Home Loan

Interest Rate

8.50% – 26% p.a.

Interest Type

hybrid

Processing Fee

0.5%-1%

Loan Amount

up to ₹1,50,000

Utkarsh Small Finance Bank

Utkarsh Home Loan

Standard

Home Loan

Interest Rate

11.50% – 19% p.a.

Interest Type

floating

Processing Fee

0.50% to 2.00% of loan line

Loan Amount

from ₹3,00,000

South Indian Bank

SIB Home Loan

Standard

Home Loan

Interest Rate

8.80% – 10.50% p.a.

Interest Type

floating

Processing Fee

0.50% (Min ₹5,000, Max ₹10,000) + GST

Loan Amount

from ₹3,00,000 | up to ₹3,00,000

Capital Small Finance Bank

Capital Housing Loan

Standard

Home Loan

Interest Rate

9.50% – 12% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹3,00,000 | up to ₹1,00,00,000

Ujjivan Small Finance Bank

Ujjivan Composite Home Loan

Composite (Plot+Construction)

Home Loan

Interest Rate

9.99% – 15.99% p.a.

Interest Type

floating

Processing Fee

0.75%-2% + GST

Loan Amount

from ₹3,00,000 | up to ₹50,00,000

Ujjivan Small Finance Bank

Ujjivan Home Improvement Loan

Home Improvement (HIL)

Home Loan

Interest Rate

9.99% – 15.99% p.a.

Interest Type

floating

Processing Fee

0.75%-2% + GST

Loan Amount

from ₹1,00,000 | up to ₹25,00,000

AU Small Finance Bank

AU Home Purchase Loan

Home Purchase

Home Loan

Interest Rate

8.45% – 10.50% p.a.

Interest Type

floating

Processing Fee

1% + GST

Loan Amount

from ₹5,00,000 | up to ₹5,00,00,000

Kotak Mahindra Bank

Kotak Mahindra Bank Home Loan

Floating Rate

Home Loan

Interest Rate

8.75% – 9.50% p.a.

Interest Type

floating

Processing Fee

0.5%

Loan Amount

from ₹5,00,000 | up to ₹7,50,00,000

IDFC FIRST Bank

IDFC FIRST Bank Home Loan

Floating Rate

Home Loan

Interest Rate

8.85% p.a.

Interest Type

floating

Processing Fee

Up to 3% + GST

Loan Amount

from ₹5,00,000 | up to ₹10,00,00,000

Yes Bank

Yes Bank Home Loan

Salaried

Home Loan

Interest Rate

8.85% – 11.50% p.a.

Interest Type

floating

Processing Fee

Up to 1.5% + GST

Loan Amount

from ₹10,00,000 | up to ₹10,00,00,000

Federal Bank

Federal Bank Home Loan

Floating Rate

Home Loan

Interest Rate

8.75% – 11.50% p.a.

Interest Type

floating

Processing Fee

0.50% (Min ₹10k, Max ₹2 Lakh)

Loan Amount

from ₹5,00,000 | up to ₹15,00,00,000

Bank of Baroda

Home Improvement Loan

Home Improvement

Home Loan

Interest Rate

8.70% – 11.50% p.a.

Interest Type

floating

Processing Fee

0.25% to 0.50%

Loan Amount

from ₹5,00,000 | up to ₹10,00,000

AU Small Finance Bank

AU Home Loan Balance Transfer

Balance Transfer

Home Loan

Interest Rate

8.45% – 9.50% p.a.

Interest Type

floating

Processing Fee

0.50% + GST

Loan Amount

from ₹5,00,000 | up to ₹5,00,00,000

Canara Bank

Canara Site Loan

Plot Purchase

Home Loan

Interest Rate

9.50% p.a.

Interest Type

floating

Processing Fee

0.50% (Min ₹1,500, Max ₹10,000)

Loan Amount

from ₹5,00,000

Canara Bank

Canara Home Loan Plus

Top-Up

Home Loan

Interest Rate

8.35% – 10.25% p.a.

Interest Type

floating

Processing Fee

0.50% (Min ₹100, Max ₹500) + GST

Loan Amount

from ₹5,00,000 | up to ₹50,00,000

Canara Bank

Canara Housing Loan

Standard

Home Loan

Interest Rate

8.40% – 10.15% p.a.

Interest Type

floating

Processing Fee

0.50% (Min ₹1,500, Max ₹10,000)

Loan Amount

from ₹5,00,000

Canara Bank

Canara Home Improvement Loan

Home Improvement

Home Loan

Interest Rate

11.10% p.a.

Interest Type

floating

Processing Fee

0.50% (Min ₹1,500, Max ₹10,000)

Loan Amount

from ₹5,00,000

DCB Bank

DCB Home Loan

Standard

Home Loan

Interest Rate

9.25% – 11.50% p.a.

Interest Type

hybrid

Processing Fee

Up to 2% + documentation charges

Loan Amount

from ₹5,00,000 | up to ₹5,00,00,000

DCB Bank

DCB Home First Loan

Home First

Home Loan

Interest Rate

9.25% – 11.50% p.a.

Interest Type

floating

Processing Fee

Up to 2% + documentation charges

Loan Amount

from ₹5,00,000 | up to ₹5,00,00,000

AU Small Finance Bank

AU Pratham Home Loan

Pratham

Home Loan

Interest Rate

9.25% – 11.50% p.a.

Interest Type

floating

Processing Fee

0.50% + GST

Loan Amount

from ₹3,00,000 | up to ₹50,00,000

AU Small Finance Bank

AU Home Construction Loan

Home Construction

Home Loan

Interest Rate

8.55% – 10.75% p.a.

Interest Type

hybrid

Processing Fee

0.50% + GST

Loan Amount

from ₹5,00,000 | up to ₹5,00,00,000

Axis Bank

Axis Bank Home Loan

Floating Rate

Home Loan

Interest Rate

8.50% – 9.50% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹5,00,000 | up to ₹5,00,00,000

HDFC Bank

HDFC Bank Home Loan Balance Transfer

Balance Transfer

Home Loan

Interest Rate

8.50% – 9.50% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹5,00,000 | up to ₹5,00,00,000

State Bank of India

SBI Regular Home Loan

Home Loan

Interest Rate

8.50% – 9.15% p.a.

Interest Type

floating

Processing Fee

0.35%+GST

Loan Amount

from ₹5,00,000 | up to ₹10,00,00,000

ICICI Bank

ICICI Home Loan

Salaried — Floating Rate

Home Loan

Interest Rate

8.75% – 10.05% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹5,00,000 | up to ₹3,00,00,000

HDFC Bank

Home Loan

Salaried

Home Loan

Interest Rate

8.50% – 9.50% p.a.

Interest Type

floating

Loan Amount

from ₹5,00,000

Min Salary

₹10,000/month

HDFC Bank

Home Loan

Reach (Informal Income)

Home Loan

Interest Rate

8.50% – 9.50% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹5,00,000

HDFC Bank

Home Loan

Self-Employed

Home Loan

Interest Rate

8.50% – 9.50% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹5,00,000

HDFC Bank

Home Loan

Rural Housing

Home Loan

Interest Rate

8.50% – 9.50% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹5,00,000

What is this?

Available Variants

Regular Home Loan (purchase)

Home Construction Loan

Home Renovation / Extension Loan

Plot + Construction Loan

Balance Transfer Home Loan

Top-up Loan on Existing Home Loan

NRI Home Loan

Pradhan Mantri Awas Yojana (PMAY) subsidy loans

Key Benefits

Up to 90% LTV for properties under ₹30L

Tenures up to 30 years

No prepayment charges on floating-rate loans (RBI mandate)

Tax benefit — Principal: 80C up to ₹1.5L; Interest: 24(b) up to ₹2L

PMAY subsidy for affordable housing

Balance transfer with top-up facility

Joint application improves loan eligibility

Eligibility Criteria

Who Should Choose This?

First-time home buyers
Salaried professionals
Self-employed business owners
NRIs buying property in India
Existing home loan holders wanting lower rates (balance transfer)

Get Exclusive Rates — Not Available Publicly

We coordinate with banks on your behalf to unlock deals, negotiate rates, and guide your entire banking journey.