Home Loan in India
A home loan is the largest financial commitment most Indians ever make. This hub explains how home loans work, current interest rates, tax benefits under Sections 24 and 80C, and the eligibility bar at the country's biggest lenders.
Updated
Rates checked against the lenders' official pages on 28 September 2026. Your actual rate depends on your profile; confirm with the lender before you apply.
Official rate pages: SBI · HDFC Bank · ICICI Bank
Start here
- RatesHome loan interest ratesRate map across SBI, HDFC, ICICI, Bank of Baroda and more.
- BasicsWhat is a home loan?Basics of principal, interest, and tenure.
- BasicsFixed vs floating interest rateWhich one saves more over a 20-year loan?
- EligibilityHome loan eligibilityAge, income, and property criteria.
- TaxHome loan tax benefitsSections 80C, 24(b), and 80EEA explained.
- ProcessHome loan balance transferWhen it saves and how the process works.
- StructureJoint home loan guideCo-applicant rules and tax-split math.
- SegmentHome loan for NRIsFEMA rules, eligibility, and repatriation.
Banks and their rates
Compare all ratesRun the numbers
Comparisons
What to expect on rates in 2025
Home-loan rates in India move with the RBI repo rate. As of mid-2025, most public-sector banks offer floating home loans in the 8.35% to 9.00% band. Private banks tend to price 25 to 50 basis points higher. Credit score, loan-to-value ratio, and salary account all move the exact rate you're offered.
Typical loan structure
| Parameter | Range |
|---|---|
| Loan-to-value (LTV) | Up to 90% (loans below ₹30 lakh) |
| Tenure | Up to 30 years |
| Interest rate | 8.35% to 10% p.a. |
| Processing fee | 0.35% to 1% (often waived) |
Loan-to-value (LTV)
- Range
- Up to 90% (loans below ₹30 lakh)
Tenure
- Range
- Up to 30 years
Interest rate
- Range
- 8.35% to 10% p.a.
Processing fee
- Range
- 0.35% to 1% (often waived)