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Home Loan Interest Rates India 2026
Compare home loan interest rates across all major banks. Find the lowest EMI for your loan.
Last updated: 5/16/2026, 3:09:52 AM
Data Points
| Item | Value | Change |
|---|---|---|
| Bank of Baroda | 7.9% p.a. | |
| SBI | 8% p.a. | |
| LIC Housing | 8% p.a. | |
| ICICI Bank | 8.1% p.a. | |
| PNB Housing | 8.1% p.a. | |
| HDFC Ltd | 8.15% p.a. | |
| Kotak Bank | 8.2% p.a. | |
| Axis Bank | 8.25% p.a. |
Key Insights
- 1Lowest home loan rate: 7.9% p.a.
- 2Current RBI Repo Rate: 6% (affects floating rate loans)
- 3Home loan rates are 1.9% above repo rate on average
Methodology
Rates sourced from official bank websites. Actual rates may vary based on credit score, loan amount, and tenure.
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