Compare Bank Interest Rates

Floating-rate loans to buy or build a home. Lowest rates go to the highest credit scores. Sorted by lowest starting rate.

1. Bank of Maharashtra

   PublicLowest start

   7.25% to 9.40%

   per annum

   6%11%

   Floating, linked to RLLR, by credit score. Salaried borrowers; non-salaried 7.35% to 9.90%.

   Effective: not stated by the bankOfficial page

2. Punjab National Bank

   Public

   7.45% to 9.35%

   per annum

   6%11%

   Floating, linked to RLLR, by credit score, for loans above ₹30 lakh. Festive campaign rates running 1 Oct to 31 Dec 2026.

   Effective: not stated by the bankOfficial page

3. Bank of Baroda

   Public

   7.45% to 9.20%

   per annum

   6%11%

   Floating. The bank publishes BRLLR minus 0.70% to BRLLR plus 1.05%; the range shown applies that to its BRLLR of 8.15%.

   Effective: 8 Oct 2026Official page

4. Axis Bank

   Private

   8.25% to 9.35%

   per annum

   6%11%

   Floating, by credit score. The bank publishes repo plus 2.75% to repo plus 3.85%; the range shown applies that to the 5.50% repo rate. Its page still showed 8.00% to 9.10%, worked on the earlier 5.25%.

   Effective: not stated by the bankOfficial page

5. ICICI Bank

   Private

   8.75% to 9.90%

   per annum

   6%11%

   Floating, linked to the repo rate. Standard rates for salaried borrowers across loan slabs; self-employed 8.75% to 10.05%. The bank states these are valid till 31 Oct 2026.

   Effective: 8 Oct 2026Official page

Not yet confirmed for this product: State Bank of India, Canara Bank, Union Bank of India, Indian Overseas Bank, Central Bank of India, UCO Bank, HDFC Bank, Kotak Mahindra Bank, Indian Bank, Punjab & Sind Bank, Bank of India. We only list a rate once we have read it on the bank's own website.

A dash means the bank's own page did not give us that figure. Dates are when each rate took effect. Banks build these benchmarks differently and add their own spread, so a lower benchmark does not by itself mean a cheaper loan.