Home loan interest rates today
Updated 8 Nov, 6:30 am · 17 lenders · RBI repo rate 5.50% · Lowest: 7.40% p.a. at Bank of Baroda
Home loan rates – November 2026
| Lender | Type | Rate (p.a.) | Up to | Source |
|---|---|---|---|---|
| Bank of Baroda Baroda Home Loan | Public Sector Bank | 7.40% – 9.15% | ₹10 Cr | Bank of Baroda website read 8 Nov, 6:30 am |
| Punjab National Bank PNB Home Loan | Public Sector Bank | 7.45% – 8.95% | ₹10 Cr | Punjab National Bank website read 8 Nov, 6:30 am |
| State Bank of India Home Loan | Public Sector Bank | 7.50% – 9.00% | ₹10 Cr | SBI website read 8 Nov, 6:30 am |
| Bajaj Housing Finance Home Loan | Housing Finance Co. | 7.50% – 10.25% | ₹15 Cr | Bajaj Housing Finance website read 8 Nov, 6:30 am |
| Kotak Mahindra Bank Home Loan | Private Bank | 7.70% – 12.00% | ₹10 Cr | Kotak Mahindra Bank website read 8 Nov, 6:30 am |
| Union Bank of India Union Home Loan | Public Sector Bank | 7.75% – 9.25% | ₹10 Cr | Our lender list checked 25 Oct 2026 |
| HDFC Bank Home Loan | Private Bank | 8.00% – 13.45% | ₹10 Cr | HDFC Bank website read 8 Nov, 6:30 am |
| LIC Housing Finance Home Loan | Housing Finance Co. | 8.00% – 10.00% | ₹15 Cr | Our lender list checked 25 Oct 2026 |
| Axis Bank Home Loan | Private Bank | 8.20% – 9.95% | ₹10 Cr | Axis Bank website read 8 Nov, 6:30 am |
| PNB Housing Finance Home Loan | Housing Finance Co. | 8.50% – 12.00% | ₹10 Cr | Our lender list checked 25 Oct 2026 |
| Truhome Finance (formerly Shriram Housing) Home Loan / Loan Against Property | Housing Finance Co. | 8.50% – 14.00% | ₹10 Cr | Our lender list checked 25 Oct 2026 |
| ICICI Bank Home Loan | Private Bank | 8.75% – 11.20% | ₹10 Cr | ICICI Bank website read 8 Nov, 6:30 am |
| Aadhar Housing Finance Affordable Home Loan | Housing Finance Co. | 10.00% – 15.50% | ₹75 L | Our lender list checked 25 Oct 2026 |
| India Shelter Finance Affordable Home Loan | Housing Finance Co. | 10.50% – 19.99% | ₹50 L | Our lender list checked 25 Oct 2026 |
| Aavas Financiers Home Loan | Housing Finance Co. | 10.50% – 14.00% | ₹75 L | Our lender list checked 25 Oct 2026 |
| Home First Finance Home Loan | Housing Finance Co. | 11.90% – 15.00% | ₹50 L | Our lender list checked 25 Oct 2026 |
| Aptus Value Housing Finance Home Loan / Loan Against Property | Housing Finance Co. | 14.00% – 15.50% | ₹25 L | Our lender list checked 25 Oct 2026 |
Rates are the lenders’ published ranges for new loans. The lender decides the final rate at sanction. Sorted by lowest starting rate.
What decides your home loan rate
- Credit score – most banks price home loans in credit-score bands; 750+ gets the lowest band
- Loan amount and loan-to-value – some lenders charge less above ₹75 lakh or below 75% LTV
- Salaried or self-employed – self-employed borrowers usually pay 0.05%–0.50% more
- Floating home loans are linked to the RBI repo rate and move when it changes. Banks cannot charge a prepayment penalty on floating-rate loans to individuals.
Common questions
Which lender has the lowest home loan interest rate today?
As on 8 Nov 2026, the lowest starting rate in our comparison is 7.40% p.a. at Bank of Baroda (Baroda Home Loan). The rate you are offered depends on your credit score, income and the lender’s own grading of your profile.
How current are these rates?
8 of the 17 lenders in this table are read directly from the lender’s website twice a day, at 6:30 am and 2:30 pm. The others come from our lender list, with the date each was last checked.
Will I get the lowest rate shown?
The starting rate is for the strongest profiles. Check your own eligibility on Funding Desk to see the rate and amount each lender is likely to offer you – it does not affect your credit score.