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Home Loan Rates Across Banks and Housing Finance Companies

This article compares home-loan interest rates from banks and housing finance companies.

The rates are shown for loans below Rs.

30 lakh, between Rs.

30 lakh and Rs.

75 lakh, and above Rs.

75 lakh.

Floating rates can change over time.

Bank floating rates in the table start at 7.0%, while some housing finance company figures reach 20%.

Fixed rates stay unchanged for a stated period, but some lenders later switch borrowers to floating rates.

Bank fixed rates shown range from 8.25% to 14%.

LIC Housing Finance lists fixed rates between 10% and 10.25%.

Borrowers should check each lender’s terms before choosing a loan.

Key facts

Compilation date: September 18, 2026
Source: BankBazaar.com, using respective institutions’ websites
Loan brackets: Below Rs. 30 lakh; Rs. 30 lakh to Rs. 75 lakh; above Rs. 75 lakh
Bank floating rates: Displayed figures range from 7.0% to 13.20%
Housing finance floating rates: Displayed figures range from 7.15% to 20%
Bank fixed rates: Displayed figures range from 8.25% to 14%
Fixed-rate condition: Some lenders apply floating rates after a specified fixed-rate tenure, subject to their terms and conditions

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