Find the Best Home Loan for Your Dream Home
Compare interest rates across India's top banks, calculate your EMI instantly, and check your eligibility — all in one place.
Quick EMI Estimate
How It Works
From eligibility check to informed application — your home loan journey simplified in 4 steps.
Check Your Eligibility
Enter your income, existing EMIs, and property details to get an instant eligibility estimate across multiple banks.
Compare Rates
View side-by-side interest rates, processing fees, and features from 10+ banks. Find the best deal for your profile.
Calculate EMI
Use our EMI calculator to understand your monthly outgo, total interest, and get a year-by-year amortization schedule.
Apply with Confidence
Armed with the right information, apply directly with your chosen bank. Track your RERA-registered property on ReraTracker.
Compare Home Loan Rates
Side-by-side comparison of interest rates, processing fees, and features across India's leading banks and NBFCs.
| Bank | Interest Rate | Processing Fee | Max Tenure | Prepayment | Highlight |
|---|---|---|---|---|---|
| 🏛️ State Bank of India PSU | 8.5% – 9.85% | ₹2,000 – ₹10,000 | 30 years | Nil (floating) | India's largest lender with lowest base rates |
| 🔵 HDFC Bank Private | 8.75% – 9.65% | Up to 0.50% of loan amount | 30 years | Nil (floating) | Fastest digital approval process |
| 🟠 ICICI Bank Private | 8.75% – 9.85% | 0.50% of loan + GST | 30 years | Nil (floating) | Instant in-principle approval online |
| 🟣 Axis Bank Private | 8.75% – 13.3% | Up to 1% of loan amount | 30 years | Nil (floating) | Flexible Shubh Aarambh scheme |
| 🟤 Bank of Baroda PSU | 8.4% – 10.65% | ₹8,500 (max) | 30 years | Nil (floating) | One of the lowest rates among PSU banks |
| 🔴 Kotak Mahindra Bank Private | 8.75% – 9.65% | 0.50% of loan amount | 20 years | Nil (floating) | Digital-first process with quick disbursal |
| 🏦 Punjab National Bank PSU | 8.45% – 10.25% | 0.35% of loan (max ₹15,000) | 30 years | Nil (floating) | Special rates for women borrowers |
| 🏠 LIC Housing Finance NBFC | 8.5% – 10.75% | 0.25% – 0.50% of loan | 30 years | Nil (floating) | Trusted HFC backed by LIC |
| 💎 Bajaj Housing Finance NBFC | 8.5% – 14% | Up to 0.50% of loan | 30 years | Nil (floating) | Part-prepayment flexibility from Day 1 |
| 🏛️ Union Bank of India PSU | 8.35% – 10.9% | 0.50% of loan (max ₹15,000) | 30 years | Nil (floating) | Competitive rates for salaried applicants |
India's largest lender with lowest base rates
Fastest digital approval process
Instant in-principle approval online
Flexible Shubh Aarambh scheme
One of the lowest rates among PSU banks
Digital-first process with quick disbursal
Special rates for women borrowers
Trusted HFC backed by LIC
Part-prepayment flexibility from Day 1
Competitive rates for salaried applicants
Rates are indicative and updated periodically. Please verify with the respective bank before applying.
Find the Right Home Loan
Choose from different loan types based on your needs — whether you want rate stability, government subsidy, or interest savings.
Floating Rate
Interest rate changes with market conditions. Typically lower starting rates with nil prepayment charges.
Fixed Rate
Interest rate stays locked for a fixed period (typically 2-5 years), then converts to floating.
PMAY Subsidy
Credit-linked subsidy under Pradhan Mantri Awas Yojana for first-time buyers in EWS/LIG/MIG categories.
Balance Transfer
Transfer your existing home loan to a new bank offering lower rates. Top-up loan available.
Check Your Home Loan Eligibility
Find out how much home loan you qualify for based on your income, existing obligations, and age. Get an instant estimate without affecting your credit score.
Quick Eligibility Check
Based on 50% FOIR (Fixed Obligation to Income Ratio). Actual eligibility may vary by bank.
Home Loan Tax Benefits
Save up to ₹5+ lakh annually on taxes with home loan deductions under the Income Tax Act.
Interest Deduction
Deduction on interest paid for self-occupied property. For let-out property, there is no upper limit on interest deduction.
Old regime onlyPrincipal Repayment
Deduction on principal component of your EMI. Also covers stamp duty and registration charges in the year of purchase.
Old regime onlyAdditional Interest (Affordable Housing)
Extra deduction on interest for first-time buyers of affordable housing (stamp duty value up to ₹45 lakh). Loan sanctioned between April 2019 – March 2022.
Old regime onlyFirst-time Buyer Interest
Additional interest deduction for first-time buyers with loan up to ₹35 lakh and property value up to ₹50 lakh.
Old regime onlyOld vs New Tax Regime
Home loan tax benefits under Sections 24(b), 80C, 80EE, and 80EEA are available only under the old tax regime. Under the new tax regime (default from FY 2023-24), these deductions are not available for self-occupied property. However, for let-out property, interest deduction under Section 24(b) is available under both regimes. Evaluate both regimes with your CA to maximize savings.
Why ReraTracker Home Loans?
The only home loan comparison platform backed by India's trusted RERA compliance intelligence.
Unbiased Comparison
We are not a bank or NBFC. Our comparison is transparent — showing rates and fees from 10+ lenders without favoring any one.
RERA Verified Properties
Unlike generic loan sites, we integrate with ReraTracker so you can verify your property is RERA-registered before committing to a loan.
India-First Design
Built for Indian borrowers — with amounts in Lakhs and Crores, rates from Indian banks, and awareness of PMAY, CIBIL, and EBLR.
Learn About Home Financing
Make informed decisions with our guides on eligibility, rates, and tax savings.
Home Loan Eligibility: How Banks Decide Your Loan Amount
Understand the key factors banks evaluate — income, FOIR, CIBIL score, property value, and LTV ratio — that determine how much you can borrow.
Fixed vs Floating Rate: Which Home Loan Is Right for You?
A detailed comparison of fixed and floating rate home loans in India — when each makes sense, how EBLR works, and current rate trends.
Home Loan Tax Benefits: Maximize Your Savings Under Section 80C & 24(b)
Complete guide to claiming deductions on principal, interest, and registration charges under the old and new tax regimes.
Frequently Asked Questions
Everything you need to know about home loans in India.
EMI (Equated Monthly Installment) is the fixed amount you pay every month towards your home loan. It is calculated using the formula: EMI = P × r × (1+r)^n / ((1+r)^n – 1), where P is the principal loan amount, r is the monthly interest rate, and n is the number of monthly installments. Our EMI calculator handles this automatically — just enter your loan amount, interest rate, and tenure.
Ready to Find Your Best Home Loan?
Compare rates from 10+ banks, calculate your EMI, and check eligibility — all free, no signup required.
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