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The Latest Home Loan Interest Rates: July 28, 2023

What are the various fixed and floating interest rates on offer for home loans today? Let’s take a comprehensive look at interest rates across banks and housing finance companies.

Institution Loan amount
Under
 Rs. 30 lakh
Rs. 30 to
75 lakh
Rs. 75 lakh Plus
BANKS (Floating rates)
Axis Bank 9.0-9.4% 9.0-9.4% 9.0-9.4%
Bank of Baroda 8.60-10.60 8.60-10.60 8.60-10.60
Bank of India 8.50-10.75 8.50-10.75 8.50-10.75
Bank of Maharashtra 8.60-10.80 8.60-10.80 8.60-10.80
Canara Bank 8.85-11.25 8.75-11.25 8.55-11.15
Central Bank 8.40-9.35 8.40-9.35 8.40-9.35
DBS Bank <=10.20 <=10.20 <=10.20
Federal Bank >=8.80 >=8.80 >=8.80
HDFC Bank 8.40-9.00 8.40-9.00 8.40-9.00
ICICI Bank 9-9.80 9-9.95 9-10.05
Indian Bank 8.50-9.40 8.50-9.40 8.50-9.40
IOB >=8.85 >=8.85 >=8.85
IDBI Bank 8.55-12.25 8.55-12.25 8.55-12.25
J&K Bank 9.45-9.55 9.45-9.55 9.45-9.85
Karnataka Bank 8.75-10.43 8.75-10.43 8.75-10.43
Karur Vysya Bank 9.23-10.73 9.23-10.73 9.23-10.73
Kotak Mahindra Bank 8.75-9.60 8.75-9.60 8.75-9.60
Punjab National Bank 8.55-10.10 8.50-10.10 8.50-10.0
Punjab & Sind Bank 8.85-9.95 8.85-9.95 8.85-9.95
RBL Bank 9.15-11.55 9.10-11.55 9.10-11.30
State Bank of India 8.50 – 9.75 8.50 – 9.75 8.50 – 9.65
South Indian Bank 9.57-10.67 9.57-10.77 9.57-11.42
Tamilnad Mercantile Bank 9.35-9.85 9.35-9.85 9.35-9.85
UCO Bank 8.45-10.30 8.45-10.30 8.45-10.30
Union Bank of India 8.5-10.50 8.5-10.70 8.5-10.80
BANKS (Fixed rates) 
Axis Bank 14 14 14
IDBI bank 9.85-10.10 9.85-10.10 9.85-10.10
Union Bank of India 11.4 11.4-12.4 12.4-12.65
HOUSING FINANCE COMPANIES (Floating rates)
Floating Rates: 
Tata Capital >=9.20 >=9.20 >=9.20
PNB Housing 8.75- 11.25 8.75- 11.45 8.75- 11.45
Central Bank Housing 9.95-11.15 9.95-11.15 9.95-11.15
HDFC Ltd NA NA NA
Indiabulls Housing Fin >=9.30 >=9.30 >=9.30
Aditya Birla Housing Fin 8.80-14.75 8.80-14.75 8.80-14.75
Bajaj Finserv 8.50-15.00 8.50-15.00 8.50-15.00
GIC Housing Finance Ltd >=8.80 >=8.80 >=8.80
Reliance Home Finance >=9.75 >=9.75 >=9.75
Sundaram Home Finance Ltd* >=10 >=10 >=10
Piramal Capital & Housing Finance >=11 >=11 >=11
LIC Housing Finance Ltd 8.50-10.10 8.50-10.30 8.50-10.50
HOUSING FINANCE COMPANIES (Fixed rates)
HDFC Ltd NA NA NA
LIC Housing Finance Ltd 10-10.25 10-10.25 10-10.25

Compiled by BankBazaar.com from respective bank’s website as on the date mentioned above. Note that fixed interest rates may be subject to a revision after a specified tenure depending on the bank’s T&Cs.

Some banks/FIs allow fixed rate only for a definite period and thereafter prevailing floating rates are made applicable. *Annual percentage rate; ** 10bps additional concession for serving defense personnel; *include spl rates for govt employees; ^ include rate offered to govt employees

Published on March 19, 2019


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