Loan Live Rates

Home Loan Rates 8 Banks Compared

India ke 8 major banks ke current home loan interest rates — Jan 2026.

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EstateSeva Tip: PNB/Bank of Baroda abhi lowest at 8.40%. Women borrowers ko 0.05% extra concession. Trust Score 750+ walo ko best rates milti hain.
BankRateEMI (₹75L, 20yr)EstateSeva Note
Loan SBI
Govt Bank
8.5%₹65100 Best for salaried
› PNB
Govt Bank
8.4%₹64600 Lowest rate currently
Loan Bank of Baroda
Govt Bank
8.4%₹64600 Low rate + good service
  LIC Housing Finance
HFC
8.5%₹65100 Best for existing LIC
Bajaj Housing Finance
NBFC
8.6%₹65600 Quick approval
HDFC Bank
Pvt Bank
8.65%₹65800 Top service
Kotak Bank
Pvt Bank
8.7%₹66000 Fast processing
ICICI Bank
Pvt Bank
8.75%₹66300 Good digital process
Axis Bank
Pvt Bank
8.75%₹66300 Good for women
Yes Bank
Pvt Bank
9.0%₹67500 Higher rate
Tips for Best Rate
✓Trust Score 750+ rakho — sabse important factor for best rate
✓Salary account us bank mein rakho jahan loan chahiye — 0.05% concession
✓Woman borrower account pe 0.05-0.1% extra discount
✓Festive season mein apply karo — banks special rates dete hain
✓Pre-approved loan offer check karo aapke existing bank se
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Home Loan Rates FAQs

Answers to common questions about Home Loan Rates on EstateSeva.

It helps compare indicative home loan rate scenarios and lender-facing questions before you speak to a bank or housing finance company.

Answers are for decision support and may need verification with the relevant authority, lender, advisor, builder or professional before a final decision.
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