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Interest Matrix

Indicative Rates Comparison

Bank Name Home Loan Rate LAP Rate Max Tenure Processing Fee Action
State Bank of India (SBI) 8.40% - 9.05% 9.15% - 10.20% 30 Years 0.35% of loan amount Apply
HDFC Bank 8.50% - 9.20% 9.50% - 10.50% 30 Years Up to 0.50% (Max ₹5000) Apply
ICICI Bank 8.55% - 9.35% 9.60% - 10.80% 30 Years 0.50% - 1.00% Apply
Kotak Mahindra Bank 8.45% - 9.10% 9.30% - 10.10% 25 Years Flat ₹5000 - 0.50% Apply
Axis Bank 8.60% - 9.40% 9.75% - 11.00% 30 Years Flat ₹10,000 or 1% Apply
Punjab National Bank (PNB) 8.40% - 9.15% 9.40% - 10.60% 30 Years 0.35% (Max ₹15,000) Apply
Tata Capital 8.75% - 9.80% 10.00% - 11.50% 20 Years 1.00% - 2.00% Apply

SBI Loan benefits

  • Lowest interest rates for government employees.
  • Zero foreclosure charges on floating rates.
  • Separate schemes for military and defense personnel.

HDFC Loan benefits

  • Fastest legal approval process.
  • Simplified digital approval options.
  • Special discounts on processing fee campaigns.

ICICI Loan benefits

  • Pratham Home Loans for affordable housing.
  • Instant top-up pre-approvals for existing salary holders.
  • Flexible payment structures.

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