Public sector banks: Rates start at 7.25 per cent
Name of Lender | Loan Amount (Rs) | ||
Upto 30 Lakh | Above 30 Lakh & Upto 75 Lakh | Above 75 Lakh | |
PUBLIC SECTOR BANKS | |||
State Bank of India | 7.50-8.70 | 7.50-8.70 | 7.50-8.70 |
Bank of Baroda | 7.50-9.25 | 7.50-9.25 | 7.50-9.50 |
Union Bank of India* | 7.25-9.75 | 7.25-9.90 | 7.25-9.90 |
Punjab National Bank | 7.55-9.35 | 7.50-9.25 | 7.50-9.25 |
Bank of India | 7.35-10.10 | 7.35-10.10 | 7.35-10.35 |
Canara Bank | 7.50-10.25 | 7.45-10.25 | 7.40-10.15 |
UCO Bank** | 7.40-9.00 | 7.40-9.00 | 7.40-9.00 |
Bank of Maharashtra | 7.35-10.15 | 7.35-10.15 | 7.35-10.15 |
Punjab and Sind Bank | 7.55-10.75 | 7.55-10.75 | 7.55-10.75 |
Indian Overseas Bank | 7.35 onwards | 7.35 onwards | 7.35 onwards |
Indian Bank | 7.40-9.40 | 7.40-9.40 | 7.40-9.40 |
Central Bank of India | 7.35-9.40 | 7.35-9.40 | 7.35-9.40 |
Private banks: Higher rates, but flexibility
Name of Lender | Loan Amount (Rs) | ||
Upto 30 Lakh | Above 30 Lakh & Upto 75 Lakh | Above 75 Lakh | |
PRIVATE SECTOR BANKS | |||
Kotak Mahindra Bank | 8.20 onwards | 8.20 onwards | 8.20 onwards |
ICICI Bank | 8.50 onwards | 8.50 onwards | 8.50 onwards |
Axis Bank | 8.75-12.80 | 8.75-12.80 | 8.75-9.65 |
HSBC Bank | 8.25 onwards | 8.25 onwards | 8.25 onwards |
South Indian Bank | 8.30-10.60 | 8.30-10.60 | 8.30-10.60 |
Karur Vysya Bank | 8.45-11.40 | 8.45-11.40 | 8.45-11.40 |
Karnataka Bank | 8.40-10.86 | 8.40-10.86 | 8.40-10.86 |
Federal Bank | 9.15 onwards | 9.15 onwards | 9.15 onwards |
Tamilnad Mercantile Bank | 8.15-9.50 | 8.15-9.50 | 8.15-9.50 |
Bandhan Bank | 8.41-15.00 | 8.41-12.58 | 8.41-12.58 |
RBL Bank | 8.20 onwards | 8.20 onwards | 8.20 onwards |
CSB Bank | 9.39-11.08 | 9.39-11.08 | 9.39-11.08 |
HDFC Bank | 8.15 onwards | 8.15 onwards | 8.15 onwards |
City Union Bank | 9.55-14.95 | 9.35-14.95 | 9.35-13.25 |
Housing finance companies
Name of Lender | Loan Amount (Rs) | ||
Upto 30 Lakh | Above 30 Lakh & Upto 75 Lakh | Above 75 Lakh | |
HOUSING FINANCE COMPANIES (HFCs) | |||
LIC Housing Finance | 7.50 onwards | 7.50 onwards | 7.50 onwards |
Bajaj Housing Finance | 7.49 onwards | 7.49 onwards | 7.49 onwards |
Tata Capital | 7.99 onwards | 7.99 onwards | 7.99 onwards |
PNB Housing Finance | 8.25-11.50 | 8.25-11.50 | 8.25-12.35 |
GIC Housing Finance | 8.80 onwards | 8.80 onwards | 8.80 onwards |
SMFG India Home Finance | 10.00 onwards | 10.00 onwards | 10.00 onwards |
Sammaan Capital (Formerly Indiabulls Housing Finance) | 8.75 onwards | 8.75 onwards | 8.75 onwards |
Aditya Birla Capital | 8.25 onwards | 8.25 onwards | 8.25 onwards |
ICICI Home Finance | 8.80 onwards | 8.80 onwards | 8.80 onwards |
Godrej Housing Finance | 8.55 onwards | 8.55 onwards | 8.55 onwards |
*Extra interest rate concession of 0.05% to borrowers opting for insurance policy and extra 0.10% on green home projects. **Additional concession of 0.05% & 0.10% for women borrowers & takeover loans, respectively. | |||
Rates as of 2nd July 2025 | |||
Source: Paisabazaar.com |
What should borrowers do?
You’ve reached your limit of {{free_limit}} free articles this month.
Subscribe now for unlimited access.
Already subscribed? Log in
Subscribe to read the full story →
Quarterly Starter
₹900
3 Months
₹300/Month
Smart Essential
₹2,700
1 Year
₹225/Month
Super Saver
₹3,900
2 Years
₹162/Month
Renews automatically, cancel anytime
Here’s what’s included in our digital subscription plans
Access to Exclusive Premium Stories
Over 30 subscriber-only stories daily, handpicked by our editors


Complimentary Access to The New York Times
News, Games, Cooking, Audio, Wirecutter & The Athletic
Business Standard Epaper
Digital replica of our daily newspaper — with options to read, save, and share


Curated Newsletters
Insights on markets, finance, politics, tech, and more delivered to your inbox
Market Analysis & Investment Insights
In-depth market analysis & insights with access to The Smart Investor


Archives
Repository of articles and publications dating back to 1997
Ad-free Reading
Uninterrupted reading experience with no advertisements


Seamless Access Across All Devices
Access Business Standard across devices — mobile, tablet, or PC, via web or app