Home loan comparison · Buyer tool

Compare home loan rates —
across India's top lenders.

Enter loan amount and tenure. See EMI, total interest, processing fees, and savings vs worst rate for 10 lenders — instantly updated.

Loan amount ₹60 L

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Loan tenure

Borrower profile

CIBIL score

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Best rate available

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Lowest monthly EMI

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Interest saved vs worst rate

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Best lender

All lenders compared — rates as of November 2024

Lender	Rate (p.a.)	Monthly EMI	Total interest	Total cost	Proc. fee (est.)	vs best rate

How to actually get the lowest rate

Do this

• Maintain CIBIL 750+ — saves 0.25–0.50% p.a.
• Add a woman co-borrower — most lenders give 0.05–0.10% extra off
• Compare at least 3 lenders before committing
• Apply during festive offers (Oct–Nov) — many lenders waive processing fee
• Ask specifically: "What is the final rate after all loading?" — the advertised rate is often the floor
• For ₹75L+ loans, SBI's special schemes often beat NBFCs

Avoid this

• Taking the first offer from your salary bank without comparing
• Ignoring processing fee — ₹30K–₹60K is real money
• Multiple hard enquiries in short time — each one drops your CIBIL by 5–10 points
• Choosing fixed rate without understanding the lock-in period implications
• Overlooking prepayment penalty clauses in the fine print

Rates as of November 2024. These are base floating rates — your actual sanctioned rate depends on CIBIL, income, property type, LTV ratio, and internal bank assessment. Processing fees range from 0.25%–1% or ₹5,000–₹25,000 flat (whichever is lower at NBFCs). Always get a written Rate Offer Letter before submitting all documents.

Compare home loan rates —across India's top lenders.

Compare home loan rates —
across India's top lenders.