Home Loans in India

Bank Name Floating Interest rate Per lac EMI Processing Fee Prepayment Charges % Change in last 6 mths
SBI – State Bank Of India 9.50% (For Women), 9.55% (For Others) Rs.932 (For Women), Rs.935 (For Others) Festive Offer* Zero Processing Fee
*Valid till 31-12-2015
Nil
1.52%
ICICI Bank Up to 5 Cr 9.50%( For women),9.55%(for others) Up to 5 Cr Rs.932( For women),Rs.935(for others) 0.50% of loan amount upto 1 crore N.A
1.44%
HDFC Ltd 9.55% (Trufixed plus -2 & 3 yrs), 9.75% (TruFixed Plus 10 yrs) Or 9.55% Floating Rate. Rs.935 (Trufixed plus -2 & 3 yrs), Rs.948 (TruFixed Plus 10 yrs) Or Rs.935 Floating Rate 0.5% or maximum 10,000+service tax (12.36%) No prepayment charges shall be payable for partial or full prepayments irrespective of the source
1.98%
LIC Housing 9.60% Rs.939 Up to 50 lacs : 10,000 +(Service tax)
50 lacs & above : 15,000 +(service tax)
Zero Processing fees for Women (Offer Valid till 21st Nov 2015)* T&C apply
Nil No Change
AXIS Bank 9.60% – 9.65% Rs.848 – Rs.852 Upto 1% of the loan amount subject to minimum of Rs.10,000/- Nil
0.9%
DHFL 9.55%(upto 25lacs),then 9.65% Rs.935(upto 25lacs),then Rs.942 1% for Salaried & 1.5% for SENP NIL
2.46%
IDBI 9.75% Rs.949 NIL If Balance Transfer then 2% Otherwise Nil
0.97%
Union Bank of India 9.65% – 10.40% Rs.942 – Rs.992 N.A NIL
2.5%
Bank of India 9.95% Rs.961 0.25% of loan amount Min.Rs.1,000 and Max. Rs.20,000/- Nil
2.45%
Indiabulls Housing Finance Limited 9.55% (upto 3 cr),then 10.25%  Rs.935 (upto 3 cr),then Rs.982 Below 28 lacs = Rs.7500 28 lacs- 50 lacs = 0.50% Above 50 lacs = 0.5% to 1.00% of the loan amount NIL
2.46%
Bank of Maharastra 10.20% Rs.1087 Up to 25 Lacs : NIL
Above 25 Lacs : 0.25% of the Loan Amount: Subject to a Maxium Rs. 25,000/-
Nil
5.96%
Corporation Bank 9.90% Rs.2119 0.50% of Loan amount (Max.Rs.50,000/-) NIL No Change
United Bank of India 9.75% Rs.965 0.50% of the loan amount minimum. Minimum: Rs.1000/-
Maximum: Rs.10,000/-
N.A
Tata capital Housing Finance ltd 9.60% (Salaried), 9.80% (SEP/SENP) Rs.938 (Salaried), Rs.952 (SEP/SENP) 0.20 (Minimum Rs. 5,000) to 0.25% off the loan amount + Service tax N.A N.A
HSBC Bank 9.85%-10.10% (for Salaried) 9.85%-10.20%( for Self Employed Rs.955 -Rs.972 (for Salaried)
Rs.955 – Rs.978 (for SelfEmployed)
1% of the loan amount applied for, subject to a minimum of Rs 10000 plus service tax. This fee is payable on application and is not refundable Nil N.A
Indian Bank 9.95% Rs.962 0.25% of loan amount with a maximum of Rs.20,000 Nil
2.92%
Deutsche Bank 10.50% Rs.998 12000 + Service Tax Nil N.A
Standard Chartered 10.10% Rs.972 0.5 % – 1.50% NIL
1.55%
Federal Bank 9.95%-10.10% Rs.962 – Rs.972 0.50% of the limit sanctioned with a minimum of 3,000+ST, maximum of 7,500+ST N.A No Change
Allahabad Bank 9.95% Rs.961 upto 30 lacs: 0.60% of the loan amount subject to max. Rs.12000
30 lacs – 75 lac: 0.45% of the loan amount subject to max. Rs.24000
above 75 lacs – 300 lacs: 0.35% of the loan amount subject to max. Rs.60000
above 300 lacs: 0.25% of the loan amount subject to max. Rs.70000
NIL
2.92%
Central Bank of India 9.95% Rs.962 Rs.20000/- or .50% of loan amount subject to maximum Nil
2.38%
UCO Bank 9.95% Rs.961 0.5% of the loan amount, minimum Rs.1500/- & maximum Rs. 15000/- NIL
2.45%
Bank of Baroda 9.65% Rs.884 0.25% of loan amount Min.Rs.1, 000 and Max. Rs.20,000/- N.A. No Change
Canara Bank 9.65% Rs.942
1.96%
Oriental Bank of Commerce 9.90% -10.40% Rs.1068 – Rs.1099 NIL Nil No Change
Kotak Bank Upto 14.5% Rs.1280 upto 1.25% 2% on Balance transfer else NIL
4.65%
Dena Bank 9.70% Rs.945 0.50% of sanctioned limit Nil
2.5%
First Blue Home Finance 10.25% (for Salaried / SEP), 10.75% (For Self Employed) (Upto 25Lacs), Then 10.75% (for Salaried / SEP), 11.25% (For Self Employed) Rs.982 (for Salaried / SEP), Rs.1015 (For Self Employed) Salaried: Up to 30 lacs :7300
30 – 75 lacs : 11800
75 lacs & above : 15,000 + service tax(12.36%)
Nil N.A
Vijaya Bank 9.65%  Rs.942 N.A N.A
0.49%
Syndicate Bank 9.70 Rs.888 upto Rs.25 lacs – 0.0625% (Min Rs 250 – Max Rs 1250) 26 lacs to 75 lacs – 0.0625% (Max.Rs.1625/-) above Rs.75 lacs – Rs.2500/- Valid till 30.09.2015 N.A
2.43%
PNB Housing Finance 9.75% – 9.95% (Salaried / S.E Prof) 9.95% – 10.25% (S.Emp Non Prof) Rs.1059 – Rs.1072(Salaried / S.E Prof) Rs.1072 – Rs.1090 (S.Emp Non Prof) 0.5% NIL No Change
Citibank 9.85% – 9.95% Rs.955 – Rs.962 Rs. 5000 (Application fee) NIL No Change
Indian Overseas Bank 9.90% Rs.958 A flat rate of 0.58% of the loan amount- maximum of Rs. 10,190/- There is no hidden charge. This is subject to change from time to time without prior intimation. N.A
1.95%
Punjab National Bank 9.60% Rs.939 NIL NIL
2.43%
Development Credit Bank 11.50% Rs.1066 1% Nil N.A
State Bank of Travancore 9.95% Rs.962 upto Rs.25,000 – Nil
Rs.25,000 above to Rs.2 lacs – Rs.500/-
Rs.2 lacs above- 0.50% of the loan amount maximum Rs.10000/-
NIL N.A
Bank of Maharastra 10.20% Rs.978 0.25% of the loan amount (subject to maximum of Rs.25000/-) Nil No Change
Dhanalakshmi Bank 11.50% Rs.1066 1.00 % of loan amount + service tax (subject to minimum of Rs. 10,000 + service tax) N.A