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HomeGuides → Bank Interest Rates Comparison

Bank Interest Rates Comparison

Compare current interest rates from all major banks for home loans, personal loans, business loans and car loans.

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Last updated: April 2026 — These are indicative rates. Actual rates depend on your credit profile, loan amount and bank's discretion. Contact Guhan Capitals for the most current and personalised rates.
Bank / Lender Min rate Max rate Processing fee Special feature Apply
🏦 Canara Bank 8.40% 9.50% 0.50% (max ₹10,000) Best for govt employees Apply →
🏦 Indian Bank 8.40% 9.20% 0.25% (max ₹20,000) IB Home Loan Scheme Apply →
🏦 Bank of Baroda 8.40% 10.60% 0.50% (max ₹7,500) Baroda Home Loan Advantage Apply →
🏦 Punjab National Bank 8.45% 9.80% 0.35% PNB Pride for NRI Apply →
🏦 SBI 8.50% 9.85% 0.35% (min ₹2,000) SBI MaxGain OD facility Apply →
🏦 HDFC Bank 8.70% 9.95% 0.50% (min ₹3,000) Telecash / HDFC Reach Apply →
🏦 ICICI Bank 8.75% 9.80% 0.50–1% ICICI Extraa Home Loan Apply →
🏦 Axis Bank 8.75% 9.65% 1% (min ₹10,000) Axis FastForward Apply →
🏦 Kotak Mahindra 8.75% 9.60% 0.50% Kotak Home Loan Elite Apply →
🏦 IDFC First Bank 8.85% 9.80% 1–2% Flexible EMI options Apply →

How to get the lowest interest rate

✅ 750+ CIBIL score
Maintain a high credit score — it is the single biggest factor in getting low rates. Banks offer their best rates to 750+ CIBIL borrowers.
✅ Compare multiple banks
Never go with the first offer. Guhan Capitals compares 12+ banks to ensure you get the minimum rate available for your profile.
✅ Negotiate processing fee
Processing fee is often negotiable, especially for large loan amounts. Ask for a waiver or reduction.
✅ Opt for RLLR-linked loans
Repo Rate Linked Lending Rate loans automatically reduce when RBI cuts rates — better than MCLR in a falling rate environment.

More helpful guides

Loan Document Checklist
What documents do you need for your loan?
Which Loan is Right for Me?
Find the best loan type for your needs
Loan Glossary & Finance Dictionary
All loan and finance terms explained in simple English
How to Improve Your CIBIL Score
7 proven steps to boost your credit score and get better loan rates
Home Loan Tax Benefits Guide
Save tax with Section 80C, 24B and 80EEA on your home loan
Balance Transfer — When Does It Make Sense?
Learn when a loan balance transfer saves you money
Documents Required for Business Loan
Complete checklist of documents needed to apply for a business loan
Why Use a DSA Instead of Going Directly to a Bank?
Understand how a loan DSA works and why it benefits you
How to Read Your Loan Sanction Letter
Every field in your sanction letter explained clearly
Common Reasons Loans Get Rejected
Top 8 rejection reasons and how to fix them before reapplying
NRI Home Loan Guide
Everything NRIs need to know about buying property in India with a home loan
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