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🏠 Home Loan · India · 2026

Home Loan Rates:
What's Fair in 2026?

Current market rates and benchmarks. Use this before accepting any offer.

Market benchmark: Home Loan
Current rates by bank
Key check: Ask your bank if your loan is EBLR/RLLR-linked. If it's still on old MCLR, request a switch, you'll get faster rate transmission when RBI cuts rates. The switch is your legal right.
Bank / LenderRate RangeMax AmountVerdict
SBI (RLLR-linked)8.50% – 10.15%No capBest rate Bank of Baroda8.40% – 10.60%No capCompetitive HDFC Ltd8.70% – 9.40%No capFair ICICI Bank8.75% – 10.05%No capFair Axis Bank8.75% – 13.30%No capVaries Kotak Mahindra8.75% – 9.60%No capFair LIC HFL8.50% – 10.75%No capFair Bajaj Housing8.50% – 15.00%No capCheck carefully

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