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Indian Home Loans Interest Rates Comparison

Bank Name

Floating Interest rate

Processing Fee Prepayment Charges
State Bank Of India 10.75% Up to 25 lacs 0.25%

26-75 lacs : 10,000

75 & above : 20,000
N.A
ICICI Bank Scheme I :10.50% (Fixed 1 yr)

Scheme II : 10.75% (Fixed 2yrs)

Scheme III : 10.75% (Fixed 3yrs),

then 10.50%
0.50% of loan amount upto 1 crore N.A
HDFC Ltd Scheme I : 10.75% (Fixed for 3 yrs )

Scheme II : 11.25% (Fixed for 5 yrs )

, After that 10.50% rate or then applicable rate.
0.5% or maximum 10,000+service tax (10.30%) No prepayment charges shall be payable for partial or full prepayments irrespective of the source
HSBC Bank 11% - Regular Home Loan

11.50% - Smart Home
INR 10,000 plus service tax & cess NIL up to 25% of the loan amount sanctioned in every financial year and at a pre-payment charge of 3% for any excess amount.
LIC Housing Scheme I : 10.40%

Scheme II : 10.70% (Fixed for 3 yrs)

Scheme III : 11.15% (fixed for 5 yrs)
Up to 30 lacs : 10,000+ 10.30%(Service tax)

30 - 50 lacs : 15,000+10.30%(service tax)

50 & above : 20,000+10.30%( Service tax)
2% of out standing Payment
AXIS Bank Scheme I :11.75% (Fixed for 20 yrs)

Scheme II : 10.75% (Upto 25Lacs),Then 11%
1% of the loan amount + applicable taxes 2% (For Scheme I)

Nil (For Scheme II)
IDBI 11% (Upto 25Lacs), Then 11.50% - 11.75% Up to 1%of loan amount

(Rs 2500 to be collected at login and balance at the time of sanction )
If Balance Transfer then 2% Otherwise Nil
ING Vysya 10.75% 5000 + 10.30% (service tax) (Upto 20Lacs)

5000 + 10.30% (service tax) (Above 20Lacs)
2%
Standard Chartered 10.75% - 11.25% 0.5% 2.5%
DHFL 11.50% 0.5% - 1%(basis on profile) If 25% of outstanding amount is paid every year -No Penalty , otherwise 2% of outstanding amount
Citibank 10.50% (Upto 25Lacs), then 11% 0.5%+Service tax 2%
Deutsche Bank 10.50% - 11% 10000 + Service Tax up to 90% no charges after that 2.5%
India Bulls 10.50% (Upto 25Lacs), Then 11% upto 30lacs - 2,500 + 10.30% (service tax)

above 30lacs to 1.5Cr - 5,000 + 10.30%(service tax)

Above 1.5Cr - 10,000 + 10.30%(service tax)
2%-3%
Allahabad Bank 12.75% 0.50% of loan amount, Maximum Rs. 10,000/- N.A
Bank of Maharastra 11.20% N.A N.A
Central Bank of India 11.75% 0.50 % of loan amount, maximum Rs.20,000 N.A
Corporation Bank 11.75% (Upto 25Lacs), then 12% Upto Rs.5 lakhs

0.50% of loan subject to min. Rs.1,000/- & max. Rs.2,500/-

Above Rs.5 lakhs & upto Rs.15 lakhs

0.50% of loan subject to min. Rs.2,500/- & max. Rs.7,500/-

Above Rs.15 lakhs & upto Rs.20 lakhs

0.50% of loan subject to min. Rs.7,500/- & max. Rs.10,000/-

Above Rs.20 lakhs

0.50% of loan subject to min. Rs.10,000/- & max. Rs.50,000/-
N.A
Bank of India 11% (Upto 25 Lacs), Then 11.75% For loans upto Rs.30 lacs One time @ 0.55% of loan amount min. Rs. 3000/- and max. Rs.10000/-

For Loan over Rs.30 Lacs upto Rs.50 lacs � One time flat Rs.15,000/-

For Loan over Rs.50 Lacs upto Rs.1.00 crore � One time flat Rs.20,000/-
2.25% of outstanding loan amount.
Union Bank of India 11.75% 0.25% of loan amount subject to a maximum of Rs.15000/- plus service tax as applicable N.A
United Bank of India 12.10% 0.50% of the loan amount N.A
UCO Bank 12.25% - 12.75% - N.A
Bank of Baroda 11.75% N.A N.A
Canara Bank 11.75%
Oriental Bank of Commerce 11.50% Nil for fresh Loans upto Rs.20.00 lac,

For Loans above Rs.20.00 lacs 0.50% of the loan amount subject to a maximum of Rs.12,500/-
N.A
Kotak Bank 11.25%( for Salaried), 11.50%( for Self Employed) 0.25% - 0.5% 2% of Principal Outstanding + 2% on amount prepaid in last 12 months
Dena Bank 11.15% (Upto 25Lacs), Then 11.75% - 12.25% N.A N.A
Punjab National Bank 11.75%
First Blue Home Finance 10.50% (for Salaried / SEP), 11% (For Self Employed) (Upto 25Lacs), Then 10.75% (for Salaried / SEP), 11.25% (For Self Employed) Salaried - 0.5% or 6000 whichever is less plus doc charges plus taxes (upto 25 lacs), 0.5% or 10000 whichever is less plus doc charges plus taxes (25-75 lacs), 0.5% or 15000 whichever is less plus doc charges plus taxes (above 75 lacs).

Self Employed - 0.5% plus doc charges plus taxes.
Nil
Vijaya Bank 11.50% N.A N.A
Syndicate Bank 11% (Upto 25 Lacs), Then 12.50% N.A N.A
Indian Overseas Bank 11.50% N.A N.A
Barclays Bank 11% - 11.25% 0.25%( for salaried ) , 0.50%( for Self employed) 3%
Reliance 11%
Federal Bank 10.78% 0.50%
PNB Housing Finance 10.75% (Salaried/SEP) , 11.25%(SENP) 0.5% 2%
Development Credit Bank 11.50% 0.5% If 25% of outstanding amount is paid within 3 years - No Penalty , otherwise 2% of outstanding amount
State Bank of Travancore 11.25% Nil 2% of the outstanding loan amount
Tata capital Housing Finance ltd 10.75% 0.5 to 1% off the loan amount. N.A
Dhanalakshmi Bank 12.25% (Uto 25Lacs), then 12.75% a) Loans Upto Rs 20 lacs -Rs 3500 plus service tax

b) Loans > Rs 20 lacs - Rs 5000 plus service tax
25% of outstanding loan amount is paid every financial year without charges.
Indian Bank 11.25% 1) 0.25 % on Loan amount (Non refundable) (to be remitted at the time of submission of application)

2) 0.32 % on Loan amount (at the time of acceptance of sanction)
1) No pre-closure charges, if loan is closed out of own funds.

2) 2% on Balance outstanding or applicable Drawing Limit whichever is higher, if loan is closed by way of take over by another Bank / Financial Institution.


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