Archive · 21 Aug 2026
Home Loan Rates Across Indian Banks and Housing Finance Companies
This article compares home-loan interest rates from Indian banks and housing finance companies.
Loans can have floating rates, which may change over time, or fixed rates.
Bank floating rates in the table start as low as 7.0%.
Some bank floating rates go as high as 13.20%.
Housing finance companies show floating rates ranging from 7.15% to 20%.
Fixed bank rates range from 8.20% to 14.00%.
LIC Housing Finance lists fixed rates between 10.00% and 10.25%.
A lender may later change a fixed rate according to its terms and conditions.
Floating home-loan rates listed by banks range from 7.0% to 13.20%.
Fixed bank loan rates range from 8.20% to 14.00% in the table.
Housing finance companies list floating rates from 7.15% to 20%.
LIC Housing Finance lists fixed rates of 10.00% to 10.25%.
Rates were compiled from lender websites as of August 21, 2026.
- Who
- Indian banks and housing finance companies offering home loans.
- What
- A comparison of fixed and floating home-loan interest rates.
- When
- August 21, 2026.
- Where
- India; rates were compiled from lenders’ websites.
- Why
- To show the various home-loan rates available across lenders.
- Lowest listed bank floating rate
- 7.0%, offered in the table by Bank of Maharashtra, Central Bank, and UCO Bank.
- Highest listed bank floating rate
- 13.20%, listed by HDFC Bank.
- Lowest listed bank fixed rate
- 8.20%, appearing for some Punjab National Bank loan bands.
- Highest listed bank fixed rate
- 14.00%, listed by Axis Bank.
- Housing finance floating-rate range
- 7.15% to 20% across the listed companies.
- LIC Housing Finance fixed rate
- 10.00% to 10.25%.
- Important qualification
- Some lenders apply floating rates after a fixed-rate period, subject to their terms and conditions.