Home Loan Interest Rates 2026
Compare floating and fixed home loan rates from SBI, HDFC, ICICI, Axis, Kotak and all major banks and HFCs. Find the lowest rate. Updated weekly.
| Bank | Floating Rate | Fixed Rate | Notes |
|---|---|---|---|
| Union Bank | 7.40–9.60% | — | By credit score: 7.40% at 825+ to 9.60% at 600–649 (rate sheet of 8 Oct 2026) |
| Bank of Baroda | 7.40–9.40% | 9.15–10.70% | Baroda Home Loan Advantage; range varies by profile |
| Canara Bank | 7.40–10.25% | 8.75–11.00% | Special rates for women borrowers; RLLR from 9 Oct 2026 |
| SBI | 7.50–8.80% | — | SBI Regular + Maxgain; EBR from 15 Oct 2026; upper rate not published on the page, confirm |
| PNB Housing Finance | 7.50–10.05% | 14.75% | Salaried 7.50–9.75%, non-salaried 7.75–10.05%; lowest rate needs a large loan and top credit score. Page undated |
| HDFC Bank | 8.00–13.45% | — | Repo-linked (repo + 2.50% to 7.95%); HDFC Bank Reach Home Loan |
| ICICI Bank | 8.75–10.05% | 8.90–11.20% | Fixed-period options of 24–120 months; rate sheet valid till 30 Nov 2026 |
| Kotak Mahindra | 7.60% | — | Headline rate on lender page (undated); confirm before applying |
| Axis Bank | 8.00–9.10% | 14.00% | Repo + 2.50–3.60% spread; fixed-rate option at 14.00% |
| Punjab National Bank | 7.45–9.35% | 8.45–10.85% | PNB Pride for govt/PSU employees 7.50–7.60% at CIBIL 750+ |
| Tata Capital HFL | 7.99–13.00% | — | Salaried from 7.99%; self-employed from 8.25% (rates page, retail benchmark revised 1 Nov 2026) |