Home loan interest rates today.

What 31 banks and NBFCs publish for home loans, with a link to each lender's own rate page.

Checked 18 Oct 2026

RBI repo rate 5.50%decided 7 Oct 2026RBI ↗

Bank of Maharashtra7.25–9.90%Checked 18 Oct 2026Rates ↗

Bank of India7.35–10.25%Updated 7 Oct 2026Rates ↗

Bank of Baroda7.40–9.15%Updated 8 Oct 2026Rates ↗

Canara Bank7.40–10.25%Updated 9 Oct 2026Rates ↗

Union Bank of India7.40–9.60%Updated 8 Oct 2026Rates ↗

UCO Bank7.40–9.50%Checked 18 Oct 2026Rates ↗

Punjab National Bank7.45–9.35%Updated 1 Oct 2026Rates ↗

Central Bank of India7.45–9.00%Updated 8 Oct 2026Rates ↗

Indian Overseas Bank7.45–8.55%Updated 13 Oct 2026Rates ↗

State Bank of Indiafrom 7.50%Updated 15 Oct 2026Rates ↗

Federal Bank7.50–9.25%Updated 16 Oct 2026Rates ↗

South Indian Bankfrom 7.50%Updated 8 Oct 2026Rates ↗

Punjab & Sind Bank7.60–11.00%Updated 8 Oct 2026Rates ↗

L&T FinanceNBFC7.75–8.90%Checked 18 Oct 2026Rates ↗

HDFC Bank8.00–13.45%Updated 18 Oct 2026Rates ↗

Axis Bank8.00–9.10%Updated 18 Oct 2026Rates ↗

Karur Vysya Bank8.50–10.90%Updated 8 Oct 2026Rates ↗

Yes Bankfrom 8.65%Checked 18 Oct 2026Rates ↗

ICICI Bank8.75–10.05%Updated 8 Oct 2026Rates ↗

Bandhan Bank8.80–13.77%Checked 18 Oct 2026Rates ↗

RBL Bankfrom 9.00%Checked 18 Oct 2026Rates ↗

LIC Housing FinanceNBFCActually charged 7.15–11.00%Rates given Apr–Jun 2026Rates ↗

Tata CapitalNBFCActually charged 7.40–18.00%Rates given Apr–Jun 2026Rates ↗

Indian BankPublished 7.15–8.55%May be out of dateRates ↗

IDBI BankPublished 7.40–10.00%May be out of dateRates ↗

Bajaj Housing FinanceNBFCPublished 7.50–10.65%May be out of dateRates ↗

Kotak Mahindra BankPublished 7.70–13.05%May be out of dateRates ↗

PNB Housing FinanceNBFCPublished 8.50–11.25%May be out of dateRates ↗

Cholamandalam FinanceNBFCPublished 10.50–19.00%May be out of dateRates ↗

IndusInd BankNot publishedNot on the lender's websiteLender ↗

IDFC FIRST BankNot publishedNot on the lender's websiteLender ↗

Checked 18 Oct 2026 on each lender's own website. Lenders change rates often and we may not have updated ours yet; the lender's page is the final word. "Actually charged" means rates lenders gave borrowers in a recent quarter, which they must publish. Your rate depends on your profile, CIBIL score and loan.

Loan against property rates Personal loan rates Car loan rates

Paying more than this?

Ask these lenders for a lower rate on the loan you already have. Free, from your own email.

Questions.

What is the lowest home loan rate today?

Among the lenders we track, the lowest current published starting rate is 7.25% (checked 18 Oct 2026). Starting rates usually need a high CIBIL score and a strong profile; your offer may be higher.

Why is my rate higher than the published rate?

Lenders price by CIBIL score, income, loan size and type of borrower, and older loans may sit on MCLR or base rate. You can ask your lender to cut your rate or compare offers from other lenders.

How do I get a lower rate on my existing loan?

Ask your own lender in writing, and ask a few other lenders for a balance transfer offer. LowerMyEMI writes these emails for you for free; you send them from your own email.

Guides.

How to reduce the interest rate on your existing home loanFive ways to cut the rate on your existing home loan: ask your bank, move to repo-linked, switch lenders, improve CIBIL, prepay. Worked example inside.Home loan balance transfer: process, documents, costs and when it is worth itHow a home loan balance transfer works: steps, documents, every cost, RBI rules, and a break-even test with a worked example to see if switching pays.How RBI repo rate changes affect your home loan EMI and tenureHow RBI repo rate changes reach your home loan EMI or tenure, reset dates, your rights at reset, and why your bank may not pass on a cut. Worked example.