Loan interest rates
Every rate below comes from the lender’s own website, never an aggregator, and shows the day we last checked it. The rate you are offered depends on your credit score, income and the loan, so treat these as the range to expect.
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. RBI raised the repo rate from 5.25% to 5.50% on 7 October 2026; repo-linked rates checked before then (SBI home loan, HDFC Bank home loan, Bank of Baroda home loan, Axis Bank home loan, Kotak Mahindra home loan) are likely to be about 0.25 points higher from the next reset.
Official rate pages: SBI home loan · ICICI Bank home loan · HDFC Bank home loan · Bank of Baroda home loan · Axis Bank home loan · Kotak Mahindra home loan · HDFC Bank personal loan · SBI (Xpress Credit) personal loan · ICICI Bank personal loan · Axis Bank personal loan · Kotak Mahindra personal loan · IndusInd Bank personal loan · HDFC Bank business loan
Home loans
Floating rates linked to each bank’s benchmark.
| Lender | From | Up to | Processing fee | Checked |
|---|---|---|---|---|
| Bank of BarodaBRLLR 7.90% (repo + 2.65%) | 7.20% | 8.95% | — | 28 Sept 2026 |
| State Bank of IndiaEBLR + spread | 7.25% | — | 0.35% of loan (min ₹2,000, max ₹10,000) + GST | 28 Sept 2026 |
| Kotak MahindraRepo + spread | 7.60% | — | 0.5% (salaried), 1% (self-employed) | 28 Sept 2026 |
| HDFC BankRepo + 2.50% to 7.95% | 7.75% | 13.20% | Up to 0.50% of loan or ₹3,000, whichever is higher, + taxes | 28 Sept 2026 |
| Axis BankRepo + spread | 8.20% | — | — | 28 Sept 2026 |
| ICICI BankRepo + spread | 8.75% | 10.05% | 0.5% of loan amount + taxes | 11 Oct 2026 |
- Bank of BarodaBRLLR 7.90% (repo + 2.65%)From7.20%Up to8.95%28 Sept 2026Bank’s rate page
- State Bank of IndiaEBLR + spreadFrom7.25%Up to—
Fee: 0.35% of loan (min ₹2,000, max ₹10,000) + GST
28 Sept 2026Bank’s rate page - Kotak MahindraRepo + spreadFrom7.60%Up to—
Fee: 0.5% (salaried), 1% (self-employed)
28 Sept 2026Bank’s rate page - HDFC BankRepo + 2.50% to 7.95%From7.75%Up to13.20%
Fee: Up to 0.50% of loan or ₹3,000, whichever is higher, + taxes
28 Sept 2026Bank’s rate page - Axis BankRepo + spreadFrom8.20%Up to—28 Sept 2026Bank’s rate page
- ICICI BankRepo + spreadFrom8.75%Up to10.05%
Fee: 0.5% of loan amount + taxes
11 Oct 2026Bank’s rate page
Personal loans
| Lender | From | Up to | Processing fee | Checked |
|---|---|---|---|---|
| HDFC Bank | 9.99% | 24% | Up to ₹6,500 + GST | 11 Oct 2026 |
| ICICI Bank | 9.99% | — | — | 28 Sept 2026 |
| Axis Bank | 9.99% | 22% | 1.5% to 2% + GST | 28 Sept 2026 |
| State Bank of India | 10.00% | 15.00% | Up to 1.5% (₹1,000 to ₹15,000) + GST | 28 Sept 2026 |
| IndusInd Bank | 10.49% | — | 3.5% (1.5% to 2% during offers) | 28 Sept 2026 |
| Kotak Mahindra Bank | 10.99% | — | — | 28 Sept 2026 |
- HDFC BankFrom9.99%Up to24%
Fee: Up to ₹6,500 + GST
11 Oct 2026Bank’s rate page - ICICI BankFrom9.99%Up to—28 Sept 2026Bank’s rate page
- Axis BankFrom9.99%Up to22%
Fee: 1.5% to 2% + GST
28 Sept 2026Bank’s rate page - State Bank of IndiaFrom10.00%Up to15.00%
Fee: Up to 1.5% (₹1,000 to ₹15,000) + GST
28 Sept 2026Bank’s rate page - IndusInd BankFrom10.49%Up to—
Fee: 3.5% (1.5% to 2% during offers)
28 Sept 2026Bank’s rate page - Kotak Mahindra BankFrom10.99%Up to—28 Sept 2026Bank’s rate page
Business loans
| Lender | From | Up to | Processing fee | Checked |
|---|---|---|---|---|
| HDFC Bank | 10.75% | 22.50% | Up to 2% (nil up to ₹5 lakh for Udyam-registered MSEs) | 28 Sept 2026 |
- HDFC BankFrom10.75%Up to22.50%
Fee: Up to 2% (nil up to ₹5 lakh for Udyam-registered MSEs)
28 Sept 2026Bank’s rate page