Home Loan Interest Rate of all Banks 2024

Updated On – 03 May 2024

Banks Starting Interest Rate (p.a.) Processing Fees
Kotak Mahindra Bank 8.70% p.a. onwards Salaried: 0.5% Plus taxes; Self-Employed/Commercial: 1.0% Plus taxes.
Union Bank of India 8.35% p.a. onwards 0.50% of the loan amount.
Bank of Baroda 10.15% p.a. onwards No processing fee; discounted upfront fee.
Central Bank of India 8.50% p.a. onwards 0.50% up to Rs.20,000 Plus GST (waived till 31 March 2024)
Bank of India 8.30% p.a. onwards Nil
State Bank of India 8.50% p.a. onwards 0.35% of the loan amount plus GST.
HDFC Home Loans 8.70% p.a. onwards Up to 0.50% or Rs.3000 Plus taxes, whichever is higher. Minimum retention: 50% or Rs.3000 Plus taxes, whichever is higher.
LIC Housing Finance 8.35% p.a. onwards For amounts up to Rs.1 crore, it is 0.25% of the loan amount, with a maximum of Rs.15,000 plus GST. For amounts above Rs.1 crore and up to Rs.2 crore, the fee is Rs.20,000 plus GST. For amounts above Rs.2 crore and up to Rs.5 crore, the fee is Rs.25,000 plus GST. For amounts above Rs.5 crore and up to Rs.15 crore, the fee is Rs.50,000 plus GST.
Axis Bank 8.75% p.a. onwards Up to 1% or min. Rs.10,000 Plus GST
Canara Bank 8.40% p.a. onwards 0.50% of the loan amount.
Punjab and Sind Bank 8.50% p.a. onwards 0.15% of the loan amount will be charged, with a minimum of Rs.1,000 and a maximum of Rs.3,750. For loans above Rs.25 lakh and up to Rs.50 lakh, the fee is 0.25% of the loan amount, capped at a maximum of Rs.12,500. Similarly, loans above Rs.50 lakh but less than Rs.75 lakh incur a fee of 0.25% of the loan amount, with a maximum limit of Rs.15,000. Loans of Rs.75 lakh and above carry a charge of 0.25% of the loan amount.
IDFC First Bank 8.75% p.a. onwards Up to 3% of the overall loan amount.
Bank of Maharashtra 8.35% p.a. onwards No processing fees.
Punjab National Bank 9.40% p.a. onwards Nill
IDBI Bank 8.40% p.a. onwards 0.50% (Rs. 2,500 – Rs.5,000)
HSBC Bank 8.45% p.a. onwards 1% of loan amount or Rs.10,000, whichever is higher.
Karur Vysya Bank 9.00% p.a. onwards Loans up to Rs.25 Lakh incur a charge of Rs.2,500 Plus GST.Loans ranging from Rs.25 Lakhs to Rs.50 Lakh carry a processing fee of Rs.5,000 Plus GST.For loans exceeding Rs.50 Lakh, the processing fee is Rs.7,500 plus GST.
Saraswat Bank Home Loan 8.60% p.a. onwards Up to Rs.35 lakh: NIL Nl

Rs.35 lakh – Rs.50 lakh: 0.30% of loan amount

Rs.50 lakh – Rs.70 lakh: 0.40% of loan amount

Rs.70 lakh – Rs.1.40 lakh: 0.50% of loan amount

Jammu and Kashmir Bank 8.85% p.a. onwards 0.50% Plus GST (min. Rs.2,000 and max. Rs.50,000)
South Indian Bank 8.35% p.a. onwards 0.50% of the loan amount plus GST
Federal Bank 8.80% p.a. onwards 0.50% of the loan amount with a minimum of Rs. 10,000 and a maximum of Rs. 20,000.
Standard Chartered Bank 8.60% p.a. onwards Contact the bank
Karnataka Bank 8.75% p.a. onwards Contact the bank
Sundaram Home Finance Contact the bank for information on the floating/variable interest rate linked to market lending rates. Up to 0.75% of the loan amount plus applicable GST.
Dhanlaxmi Bank 9.35% p.a. onwards 1.00% of the loan amount, plus service tax (with a minimum of Rs.10,000 Plus service tax).
Tata Capital 8.70% p.a. onwards 2.00% p.a. plus GST.
Tamilnad Mercantile Bank 8.60% p.a. onwards 0.50% of loan amount Plus GST
Bandhan Bank 8.65% p.a. onwards Contact the bank
Yes Bank 9.40% p.a. onwards 1.5% of the loan amount plus GST or Rs.10,000, whichever is higher
Hudco Home Loan 9.25% p.a. onwards Nil
Indiabulls 9.30% p.a. onwards 0.50% onwards
Aditya Birla Contact the bank Up to 1%
GIC Housing Finance 8.80% p.a. onwards Rs.2,500 Plus Applicable GST
Shriram Housing 9.50% p.a. onwards Up to 2.5% of the loan amount Plus applicable taxes.
India Shelter Finance 12% p.a. onwards Contact the institute.

Commercial Property  Loan Interest Rate of all Banks 2024

Bank Name Interest Rate Processing Fees Apply
Interest Rate HDFC Bank Bank Personal Loan
HDFC Bank Commercial Property Loan Interest Rate
9.05 % – 11.05 % 0.75% to 1 % of the loan Amount + GST
Interest Rate Yes Bank Bank Personal Loan
Yes Bank Commercial Property Loan Interest Rate
9.05 % – 11.05 % up to 1% of the loan Amount + GST
Interest Rate Axis Bank Bank Personal Loan
Axis Bank Commercial Property Loan Interest Rate
8 % – 10.05 % Rs. 5000 to 1% of the loan Amount + GST
Interest Rate Kotak Mahindra Bank Bank Personal Loan
Kotak Mahindra Bank Commercial Property Loan Interest Rate
8.9 % – 9.85 % 0.75% to 1 % of the loan Amount + GST
Interest Rate IDFC First Bank Personal Loan
IDFC First Commercial Property Loan Interest Rate
9 % – 12.05 % up to 1% of the loan Amount + GST
Interest Rate ICICI Bank Bank Personal Loan
ICICI Bank Commercial Property Loan Interest Rate
9 % – 10 % Rs. 5000 to 1% of the loan Amount + GST
Interest Rate Standard Chartered Bank Bank Personal Loan
Standard Chartered Bank Commercial Property Loan Interest Rate
8.75 % – 11.05 % Rs. 10000 to 1% of the loan Amount + GST
Interest Rate Fullerton India Bank Personal Loan
Fullerton India Commercial Property Loan Interest Rate
10 % – 12 % up to 1% of the loan Amount + GST
Interest Rate IndusInd Bank Bank Personal Loan
IndusInd Bank Commercial Property Loan Interest Rate
9.5 % – 10.5 % up to 2% of the loan Amount + GST
Interest Rate Bajaj Housing Finance Bank Personal Loan
Bajaj Housing Finance Commercial Property Loan Interest Rate
8.05 % – 12 % up to 1% of the loan Amount + GST
Interest Rate Punjab National Bank Bank Personal Loan
Punjab National Bank Commercial Property Loan Interest Rate
9.05 % – 11.05 % 0.75% to 1 % of the loan Amount + GST
Interest Rate Edelweiss Bank Personal Loan
Edelweiss Commercial Property Loan Interest Rate
9.5 % – 12 % up to 1% of the loan Amount + GST
Interest Rate TATA Capital Bank Personal Loan
TATA Capital Commercial Property Loan Interest Rate
11 % – 15 % up to 1% of the loan Amount + GST
Interest Rate Magma Fincorp Bank Personal Loan
Magma Fincorp Commercial Property Loan Interest Rate
12 % – 15 % up to 1% of the loan Amount + GST
Interest Rate RBL Bank Bank Personal Loan
RBL Bank Commercial Property Loan Interest Rate
9.05 % – 12.05 % Rs. 7500 to 1% of the loan Amount + GST
Interest Rate L&T Finance Bank Personal Loan
L&T Finance Commercial Property Loan Interest Rate
11 % – 15 % up to 1% of the loan Amount + GST
Interest Rate DBS Bank Bank Personal Loan
DBS Bank Commercial Property Loan Interest Rate
9.5 % – 14 % up to 1% of the loan Amount + GST
Interest Rate DCB Bank Bank Personal Loan
DCB Bank Commercial Property Loan Interest Rate
9.75 % – 10.5 % up to 1% of the loan Amount + GST
Interest Rate HDFC Limited Bank Personal Loan
HDFC Limited Commercial Property Loan Interest Rate
9.5 % – 11.75 % 0.75% to 1 % of the loan Amount + GST
Interest Rate Karnataka Bank Bank Personal Loan
Karnataka Bank Commercial Property Loan Interest Rate
10.5 % – 13.2 % up to 1% of the loan Amount + GST
Interest Rate Union Bank of India Bank Personal Loan
Union Bank of India Commercial Property Loan Interest Rate
10.5 % – 11.1 % 0.5% to 1 % of the loan Amount + GST
// Add all other states and their cities here
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