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 | 7.15% | — | Lowest floating rate in PSU segment |
| Bank of Baroda | 7.20–8.95% | — | Baroda Home Loan Advantage scheme |
| Canara Bank | 7.15–10.00% | — | Special rates for women borrowers |
| SBI | 7.25–10.50% | — | SBI Regular + Advantage; nil processing fee |
| LIC Housing Finance | 7.15% | — | Competitive for salaried; step-up available |
| PNB Housing Finance | 7.75% | — | Wider spread for lower CIBIL |
| HDFC Bank | 7.75–13.20% | — | HDFC Bank Reach Home Loan; quick disbursal |
| ICICI Bank | 8.75–9.80% | 14.00% | Fixed option available via Express Home Loan |
| Kotak Mahindra | 7.60% | — | Balance transfer with top-up available |
| Axis Bank | 8.00% | — | QuickPay and Shubh Aarambh schemes |
| Punjab National Bank | 7.25% | — | PNB Pride — lower rate for govt employees |
| Tata Capital HFL | 8.75–14.00% | — | Good for self-employed; flexible eligibility |