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होम लोन — Lowest Rates, Fastest Approval
Interest Rate
7.1% – 9% p.a.
Loan Amount
₹5 L – ₹50 Cr
Tenure
1 – 30 Years
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Compare 30+ lenders to find the absolute lowest rate for your profile.
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Sirf ProperPaisa ke through loan lo aur guaranteed coin paao.
Live Rates
Click column headers to sort. Rates as of April 2026.
| Bank / NBFC | Interest Rate | Processing Fee | Max Amount | Max Tenure | Action |
|---|---|---|---|---|---|
| HDFC Bank | 7.15% – 8.35% | 0.30%–0.50% | ₹50 Cr | 30 Yr | Apply Now |
| ICICI Bank | 7.20% – 8.5% | 0.30%–0.50% | ₹50 Cr | 30 Yr | Apply Now |
| Punjab National Bank | 7.25% – 9.1% | 0.30%–0.50% | ₹50 Cr | 30 Yr | Apply Now |
| Axis Bank | 7.30% – 8.55% | 0.30%–0.50% | ₹50 Cr | 30 Yr | Apply Now |
| Kotak Mahindra Bank | 7.30% – 8.75% | 0.30%–0.50% | ₹50 Cr | 30 Yr | Apply Now |
| SBI | 7.35% – 8.65% | 0.30%–0.50% | ₹50 Cr | 30 Yr | Apply Now |
| Bank of Baroda | 7.35% – 9.25% | 0.30%–0.50% | ₹50 Cr | 30 Yr | Apply Now |
| IDFC First Bank | 7.40% – 9.5% | 0.30%–0.50% | ₹50 Cr | 30 Yr | Apply Now |
* Rates are indicative. Final rate depends on your profile, CIBIL score, and lender policy.
Free Tool
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EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1) | P = principal, r = monthly rate, n = months
Monthly EMI
per month for 5 years
Payment Breakdown
Check if you qualify for a Home Loan before applying.
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Loan gets disbursed. We deliver your FREE Gold Coin within 7 days.
Home loan interest rates currently start at 7.15% p.a. for salaried borrowers with excellent credit scores. Rates vary by bank, loan amount, and borrower profile. HDFC Bank offers rates from 7.15%, ICICI from 7.20%, and SBI from 7.35% p.a. Use our calculator above to estimate your EMI.
Banks typically allow a total EMI obligation of 40–50% of your monthly take-home salary. So if you earn ₹1 lakh per month, you can get a loan where the EMI is around ₹40,000–₹50,000. At 7.5% for 20 years, that translates to approximately ₹45–55 lakh. Use our EMI calculator above to check.
LTV (Loan-to-Value) ratio is the percentage of the property value the bank will fund. RBI mandates: for properties up to ₹30 lakh, LTV can be up to 90%; for ₹30–75 lakh, up to 80%; above ₹75 lakh, up to 75%. The remaining amount is your down payment.
Yes! Under Section 24(b), you can claim deduction of up to ₹2 lakh per year on home loan interest for a self-occupied property. Under Section 80C, you can claim up to ₹1.5 lakh on principal repayment. For under-construction property, you can also claim pre-EMI interest in 5 equal installments after possession.
Yes, home loan balance transfers are very common. You can transfer your outstanding loan to a bank offering lower interest rates. The process takes 2–4 weeks. Contact ProperPaisa — we handle balance transfers too, and you get a FREE Gold Coin on the new loan disbursement.
Missing an EMI negatively impacts your CIBIL score and the bank charges a late payment penalty of 1–2% per month. If you foresee difficulty paying, contact your bank immediately to discuss restructuring. More than 3 missed EMIs can lead to the loan being declared NPA.
Fixed rates remain constant for the entire tenure — predictable EMI but typically 1–2% higher. Floating rates are linked to the RBI repo rate (via EBLR/MCLR) and change periodically. Most borrowers choose floating rates since they benefit when rates fall. ProperPaisa advisors help you choose the right option.
Yes, joint home loans (with spouse, parent, or sibling) offer higher loan eligibility since both incomes are combined. Both co-borrowers can independently claim tax deductions. Joint loans also help if one applicant has a low credit score — the co-borrower's good score can compensate.
“ProperPaisa saved us ₹3.2 lakh in interest by finding a rate 0.4% lower than what we were quoted directly. The team managed all paperwork from start to finish. Absolutely seamless experience.”
Amit & Sunita Gupta
Noida, UP
Loan amount
₹65,00,000
“Got my home loan sanctioned in 9 days. The gold coin was a lovely surprise at disbursement. Highly recommend for anyone buying their first home.”
Vikas Yadav
Bahadurgarh, Haryana
Loan amount
₹45,00,000
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