Home Loans

Bank / HFC ROI Comparison

Compare indicative rates, fees and total upfront charges across lenders — a lower rate with higher fees can cost more overall.

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Lenders are not ranked by headline interest rate alone. A lower rate with higher fees can cost more overall — compare the total cost, not just the rate.

Lender	Interest rate	Rate type	Upfront fees	Indicative EMI (₹50L / 20yr)	Last updated
Public Sector Bank A Public sector bank	8.40%	floating	₹24,100	₹43,075	2026-07-15	View details
Private Bank F Private bank	8.50%	hybrid	₹26,600	₹43,391	2026-07-19	View details
Private Bank B Private bank	8.60%	floating	₹31,600	₹43,708	2026-07-18	View details
Public Sector Bank G Public sector bank	8.70%	floating	₹21,600	₹44,026	2026-06-30	View details
Affordable Housing Lender D Affordable housing finance provider	8.90%	floating	₹19,100	₹44,665	2026-07-12	View details
Housing Finance Company C Housing finance company	9.10%	floating	₹44,100	₹45,308	2026-07-10	View details
NBFC E NBFC	9.75%	floating	₹56,600	₹47,426	2026-07-08	View details

Public Sector Bank A

A large public-sector bank offering repo-linked home loans across most Indian cities.

8.40%

Upfront fees: ₹24,100
Indicative EMI: ₹43,075

Last updated 2026-07-15

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Private Bank F

A private bank with a strong balance-transfer proposition and low processing fees.

8.50%

Upfront fees: ₹26,600
Indicative EMI: ₹43,391

Last updated 2026-07-19

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Private Bank B

A private-sector bank with faster digital processing and tiered pricing by credit profile.

8.60%

Upfront fees: ₹31,600
Indicative EMI: ₹43,708

Last updated 2026-07-18

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Public Sector Bank G

A public-sector bank with MCLR-linked products alongside its newer repo-linked range.

8.70%

Upfront fees: ₹21,600
Indicative EMI: ₹44,026

Last updated 2026-06-30

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Affordable Housing Lender D

Focused on affordable-housing loans in tier-2 and tier-3 cities, including PMAY-linked products.

8.90%

Upfront fees: ₹19,100
Indicative EMI: ₹44,665

Last updated 2026-07-12

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Housing Finance Company C

A dedicated housing finance company with flexible eligibility for self-employed applicants.

9.10%

Upfront fees: ₹44,100
Indicative EMI: ₹45,308

Last updated 2026-07-10

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NBFC E

An NBFC offering quick sanction turnaround with slightly higher indicative rates.

9.75%

Upfront fees: ₹56,600
Indicative EMI: ₹47,426

Last updated 2026-07-08

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All calculations, rates, eligibility values and savings estimates are indicative. Final interest rate, fees, eligibility, sanction and disbursement remain subject to the lender's policies, verification and approval.

Demo data. Lender names, logos and rates shown here are fictional and for illustration only — they are not current offers from any real bank, HFC or NBFC.

Demo data — illustrative only