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Home loan is a form of credit that helps you buy, construct, renovate and extend a residential property without breaking your savings and investments. In this, the concerned property is mortgaged to a lender as security till the repayment of loan. Home loan interest rates starts as low as 6.65% per annum. Lenders usually sanction 75% to 90% of the property value as loan, which can be easily repaid in EMIs over flexible tenure of up to 30 years. Other benefits that come with a housing loan include annual tax benefits, PMAY subsidy of up to Rs. 2.67 lakh, balance transfer facility and top-up loan facility.

As the home loan market is crowded, finding the best home loan offer can be challenging. At Paisabazaar.com, we help you compare, select and apply for the best home loan rates from India’s top Banks and Housing Finance Companies (HFCs). We provide comprehensive information on home loans along with the convenience to apply for home loan online and get an instant conditional e-Approval in just a few steps.

Home loan benefits vary across different lenders and loan schemes. Some of the common home loan features ones are listed below:

  • Low Interest Rates: Financial institutions offer lowest possible interest rates to make home loans more affordable
  • Flexible Loan Tenure: Home loan repayment period usually extends till 30 years, giving you a benefit of lower EMIs and a greater flexibility of repayment
  • Annual Tax Benefits: Claim tax deduction on the principal and interest components of your housing loan under Sections 80C, 24b and 80EEA of the Income Tax Act
  • Interest Subsidy under PMAY: First-time homebuyers can save up to Rs. 2.67 lakh on home loan interest through Pradhan Mantri Awas Yojana (Urban) Credit Linked Subsidy Scheme
  • Home Balance Transfer Facility:  In home loan balance transfer, you can refinance your existing home loan to another lender offering lower interest rate or better loan terms
  • Top-up Loan Facility: In top-up loan facility, you can borrow additional sum over and above your existing home loan and use it for any personal or business purposes

Home loan interest rate starts at 6.65% p.a. It varies across lenders and loan schemes. Home loan rates depend on several factors such as credit score of the applicant, quantum of the loan, repayment capacity of the applicant and tenure.

Compare latest home loan interest rates

Lenders

Lowest Interest Rate

Processing Fees (exclusive of GST)

Kotak Mahindra Bank

6.65%*

Zero processing fees till 31.03.2021

State Bank of India

6.70%*

Zero processing fees till 31.03.2021

HDFC Bank

6.70%

Up to 0.5% of loan amount or Rs. 3,000, whichever is higher

ICICI Bank

6.80%

Up to 2% of loan amount or Rs. 20,000, whichever is higher

Union Bank of India

6.80%

0.50% of the loan amount (Max. Rs. 15,000)

Punjab National Bank

6.80%

Full waiver of upfront / processing fees and documentation charges during PNB New Year Bonanza-2021 from 01.01.2021 to 31.03.2021

Bank of Baroda

6.85%

0.25% – 0.50% of loan amount (Min. Rs. 8,500 & Max. Rs. 25,000)

Central Bank of India

6.85%

0.50% of loan amount (Max. Rs. 20,000)

Axis Bank

6.90%

Up to 1% of the loan amount (Min. Rs. 10,000)

Bajaj Finserv

6.90%

For salaried individuals: Up to 0.80% of loan amount
For self-employed individuals: Up to 1.20% of loan amount

Canara Bank

6.90%

0.50% (Min. Rs. 1,500; Max. Rs. 10,000)

LIC Housing Finance

6.90%

As applicable

Punjab & Sind Bank

6.90%

Full waiver on processing charges during the Festival Campaign Period

Tata Capital Housing Finance

6.90%

0.20% – 0.50% of loan amount

UCO Bank

6.90%

0.5% of the loan amount (Min. Rs. 1,500; Max. Rs. 15,000)

IDBI Bank

6.90%

For Inward Balance Transfer and PMAY Cases: Nil
For Other Home Loan Cases:
Up to Rs. 35 lakh: Rs. 3,500 to Rs. 7,500
Above Rs. 35 lakhs and up to Rs. 75 lakh: Rs. 6,000 to Rs. 10,000
Above Rs. 75 lakh and up to Rs. 125 lakh: Rs. 10,000 to Rs. 16,000
Above Rs. 125 lakh: Rs. 10,000 to Rs. 20,000

Bank of India

6.95%

Nil processing fees till 31.03.2021

IDFC First Bank

7.00%

Up to Rs. 10,000 (additional premium is charged based on risk profile)

Indian Overseas Bank

7.05%

Up to 0.50% of loan amount (Max. Rs. 25,000)

PNB Housing Finance

7.35%

Up to 1% of loan amount (Min. Rs. 10,000)

Federal Bank

7.65%

0.50% of loan amount (Min. Rs. 10,000; Max. Rs. 45,000)

Standard Chartered Bank

7.99%

0.50% to 1% of loan amount

Fullerton Grihashakti

7.99%

Up to 3% of loan amount

Karnataka Bank

8.06%

Up to 0.25% of loan amount

IIFL

8.45%

Up to 2% of loan amount

Indiabulls Housing Finance

8.65%

Up to 2% of loan amount

DHFL

8.75%

Salaried/Self Employed Professional – 0.5% of loan amount (Min. Rs. 2,500)
Self Employed Non Professional – Net PAT: 0.5%, Others: 1.0% of loan amount

YES Bank

8.95%

2% of loan amount or Rs. 10,000, whichever is higher

Aditya Birla Housing Finance Ltd.

9.00%

Up to 1% of loan amount

India Shelter Finance Corp. Ltd.

12.00%

2% – 3% of loan amount

Home Loan Interest Rates for all banks as of 5th March 2021.
The housing loan interest rates in the table are subject to change anytime without prior notice.
*The Kotak Mahindra Home Loan special rate is applicable till March 31, 2021.
*The SBI home loan interest rate given in the table is applicable till March 31, 2021.
**To calculate Home Loan EMI, the loan tenure is assumed as 30 years.

Types of Home Loan Interest Rates

Lenders offer home loans either at fixed interest rates or floating interest rates. 

1. Fixed Rate Home Loan: In case of fixed rate home loans, the rate of interest applicable at the time of loan disbursal remains same throughout the loan period. And because of the unchanged interest rate, the loan EMIs also remain constant.

Pros

  • Since the home loan rate remains constant, you will know exactly how much interest you have to pay for the loan, helping you plan out finances well in advance
  • Again, since the rate remains the same throughout the loan tenure, you will be shielded if any time, during the loan tenure, the lending rates rise

Cons

  • The interest rate for fixed rate home loans is usually 1% - 2.5% higher than the interest rate for floating rate home loan
  • At any time during the loan tenure if the lending rates fall, the fixed interest rate will remain unchanged, giving you no benefit of the reduced EMIs

2. Floating Rate Home Loan: In case of floating rate home loan, the interest rate is subject to change as per the change in the linked benchmark rate as published by the lender (such as Repo Rate) which in turn is dependent on several factors such as RBI policies and other external factors.

Pros

  • Floating interest rate home loans are cheaper as compared to fixed interest rate home loans
  • RBI mandates no prepayment or foreclosure charges for individuals borrowing a floating rate home loan

Cons

  • The only problem with a floating rate home loan is that its EMIs change with the change in the interest rate, which can create difficulty in planning expenses in advance

Both types of home loan interest rates have their own list of pros and cons. When it comes to choosing between fixed and floating interest rates on home loans, pick the one that suits your needs the best.

Read: Comparison of fixed and floating interest rate

Anyone looking for a home loan would want to avail it at the lowest rate possible as it will help them save considerably on the overall interest outgo. Given below is the table of top banks offering lowest interest rates in India:

Lender

Lowest Interest Rate

EMI/Lakh*

Kotak Mahindra Bank

6.65%

Rs. 642

State Bank of India

6.70%

Rs. 645

HDFC Bank

6.70%

Rs. 645

ICICI Bank

6.80%

Rs. 651

Union Bank of India

6.80%

Rs. 651

Punjab National Bank

6.80%

Rs. 651

Bank of Baroda

6.85%

Rs. 655

Central Bank of India

6.85%

Rs. 655

Axis Bank

6.90%

Rs. 659

Bajaj Finserv

6.90%

Rs. 659

*To calculate Home Loan EMI, the loan tenure is assumed as 30 years.
Note: Interest Rates offered by Banks, NBFCs and HFCs are subject to change as per the directives of RBI and lenders’ discretion

Knowing your home loan EMI in advance can help you plan your finances beforehand and avoid financial hassles in future. To help you calculate your home loan EMI in seconds, Paisabazaar.com brings you a free-of-cost home loan EMI calculator. The home loan calculator is easy to use as it requires only loan amount, interest rate and loan tenure to give you accurate results.

To get an idea about how home loan EMIs are calculated, take a look at the table below:

Loan Amount

Interest Rate

EMI for 10-years loan tenure (Rs.)

EMI for 20-years loan tenure (Rs.)

EMI for 30-years loan tenure (Rs.)

30 lakh

6.70%

34,370

22,721

19,358

50 lakh

7.70%

59,874

40,893

35,648

70 lakh

8.70%

87,540

61,636

54,819

1 crore

9.70%

1,30,495

94,523

85,548

 

Banks and Housing Finance Companies (HFCs) offer home loans for different purposes. So before applying for any type of home loan, assess your requirements in order to get a suitable home loan scheme. Some of the types of home loans available are as follows:

  • Home Purchase Loan: It is the most common type of home loan availed usually to buy ready-to-move-in properties, under construction properties and pre-owned homes/resale properties. As per RBI guidelines, lenders can offer loan-to-value (LTV) ratio of up to 75-90% of the property value
  • Composite Loan: It is a perfect financing solution for individuals who want to buy a plot of land either for investment or for building a house. In this type of home loan, the first disbursement is made towards the purchase of plot. The subsequent payments depend on the stages of construction of the house
  • Home Construction Loan: This type of home loan is available for individuals who want funds for the construction of a house. The loan is granted only if you own a plot of land and plan to construct a house on it. Just as in composite loan, here too the disbursement depends on the stages of construction of the house
  • Home Improvement Loan: The can be availed to fund home renovation and home repairing expenses of the existing house. The interest rate for this loan is same as that for a regular home loan. However, its loan tenure is shorter than the regular home loan
  • Home Extension Loan: It is for those who require funds to add more space to their abode. Under this loan type, financial institutions usually lend 75-90% of the construction estimate, depending on the loan amount and LTV ratio
  • Bridge Loan: It is a short-term home loan and is suitable for individuals who wish to buy a new house with the sale proceeds of the existing home. The loan helps in covering the gap between the purchase of a new house and the sale of an existing house
  • Interest Saver Loan: It is similar to home loan overdraft facility. In this, the borrowers’ home loan account is linked to their bank account. Any amount deposited in the bank account over and above the EMI amount is used as prepayment towards the loan, thus, saving on the interest amount
  • Step Up Loan:  Yet another type of home loan in which borrowers pay lower EMIs during the initial years of the loan tenure. However, there is a provision of increasing the EMI amount over time. This makes the loan affordable for young professionals who just start their career

Suggested Read: Joint Home Loan

Home loan eligibility differs across lending institutions and loan schemes. However, common set of housing loan eligibility criteria is given below:

  • Nationality: Indian Residents, Non Resident Indians (NRIs) and Persons of Indian Origin (PIOs)
  • Credit Score: Preferably 750 and above
  • Age Limit: 18 - 70 years
  • Work Experience: At least 2 years (for salaried)
  • Business Continuity: At least 3 years (for self-employed)
  • Minimum Salary: At least Rs. 25,000 per month (varies across lenders & locations)
  • Loan amount: Up to 90% of property value

Suggested Read: Tips to Improve home loan eligibility

Home loan application forms usually have a checklist of documents that applicants need to submit to their lenders. These documents are usually same for all lenders; however, a few specific requirements may vary depending on the chosen loan scheme, purpose of the loan and individual credit profile.

Some of the common documents required for getting a home loan are:

  • Duly filled in and signed home loan application form
  • Passport size photographs, as required
  • Proof of Identity: Copy of any one (PAN Card, Passport, Aadhaar Card, Voter’s ID Card and Driving License)
  • Proof of Age: Copy of any one (Aadhaar Card, PAN Card, Passport, Birth Certificate, 10th Class Mark-sheet, Bank Passbook and Driving License)
  • Proof of Residence: Copy of any one (Bank Passbook, Voter’s ID, Ration Card. Passport, Utility Bills (Telephone Bill, Electricity Bill, Water Bill, Gas Bill) and LIC Policy Receipt
  • Proof of Income for Salaried: Copy of Form 16, latest payslips, IT returns (ITR) of past 3 years and investment proofs (if any)
  • Proof of Income for Self Employed: Details of ITR  of past 3 years, Balance Sheet and Profit & Loss Account Statement of the Company/Firm, Business License Details and Proof of Business Address
  • Property-related Documents: NOC from Society/Builder, detailed estimate of the cost of construction of the house, registered sale deed, allotment letter and an approved copy of the building plan

Note: The above list is indicative and your lender might ask for additional documents.

Must Read: The complete checklist of the home loan documents required

Besides the interest amount, there are several other fees and charges that your lender might levy from the time of applying for the home loan till you repay it entirely. Here are some of the costs associated with a home loan:

Application Fee is charged by lenders to cover all the preliminary expenses that they bear for conducting verification.

Processing Fee covers the cost of credit appraisal and depends on the borrowers’ credit profile, income and the home loan scheme. Also, not all lenders levy processing fee.

Administrative fee is charged by those lenders who split the processing fee into two parts. The part charged after the loan sanction is known as the administration fee. Citibank is one of the banks to levy administrative fee.

Foreclosure/Prepayment Charges are levied when a borrower prepays the home loan either fully or partially before the end of loan tenure. Earlier, lenders used to charge prepayment penalties and foreclosure charges on home loan. But RBI banned lenders from charging individuals with prepayment penalties on floating rate home loans. As far as fixed rate home loans are concerned, some lenders levy these charges.

Repayment Mode Related Charges are levied when borrowers request their lenders to change their existing repayment mode during the loan tenure. The fee usually goes up to Rs. 500 per instance (swap) and varies from one lender to another.

Rate conversion/switching fees are charged when borrowers request their lenders to switch or reduce their existing interest rates due to various reasons. The fee varies from one lender to another and usually goes up to 2% of the outstanding principal amount.

CERSAI Charges (Central Registry of Securitisation Asset Reconstruction and Security Interest) is central online security interest registry of India. Potential lenders visit CERSAI website to check whether the pledged property is not claimed by some other lender. For this process, the lenders pay a nominal fee, which they later collect from borrowers.

Overdue Charges on EMI are levied when a borrower misses or delays timely payment of loan EMIs. It attracts penal interest rates on the outstanding dues or overdue instalment over the prevailing loan interest rates. Therefore, borrowers must pay loan EMIs on time.

EMI Bounce Charges are levied when you fail to make timely loan payment due to insufficient funds in your bank account. Lenders usually levy Rs. 500 on such defaults which may vary from one lender to another.

Legal Fee is usually included in the processing fee but some lenders charge it separately when they engage firms to scrutinise borrowers’ legal documents.

Franking Fee, commonly referred to as stamp duty fee, is a tax levied by the state government on any form of monetary transaction involving the transfer of rights of a property. The amount varies from one state to another, and depends on state laws, type of property, etc.

Read AlsoUnderstanding Stamp Duty and Registration Charges

At Paisabazaar.com, you can easily compare eligible home loan offers and apply for it in just three simple steps.

Step 1: Enter details such as property cost, employment status, your name, email ID, date of birth, PAN and residence pincode.

Step 2: View best home loan offers by top banks and housing finance companies, sorted on the basis of your chances of approval. Compare interest rate, processing fees, EMI and maximum loan amount on different home loan offers. Select the loan offer that suits you the best and fill out any additional details that may be required.

Step 3: Get an instant conditional e-Approval from the lender. Furthermore, our home loan experts will guide you through the documentation process required for home loan processing and disbursal.

Once you have submitted your online home loan application on Paisabazaar.com, your chosen lender will receive your loan request. Subsequently, the lender’s representative will call you to verify the application details and take the home loan process forward.

Read Also: Home Loan Process

  • Rate of Interest: Some home loan providers charge fixed and some floating rate of interest on home loans. Fixed interest rates are considered ideal for loans with shorter tenure, while floating is suitable for loans with longer tenure. Some lenders even offer hybrid home loans in which the borrower can enjoy the benefit of both fixed and floating interest rates
  • Loan Disbursal Time: The time for home loan disbursal varies from one bank to another. It usually takes around 10-15 days for loan processing and disbursal. Choose a home loan provider which takes lesser time and does not cause unnecessary delays in home loan processing
  • Loan Eligibility: Home loan eligibility criteria vary across lenders and home loan schemes. It is determined by the borrower’s age, income, work profile and stability, credit history, etc. . Always use home loan eligibility calculator to be sure about your home loan eligibility
  • Hidden Charges: Loan providers levy a number of additional charges, such as the processing fee, prepayment or foreclosure charge, etc. It is best to read the fine print before making the final choice so that you do not end up feeling pick-pocketed when such charges are levied
  • Terms and Conditions: When choosing a home loan, terms and conditions pertaining to repayment, prepayment, loan transfer, etc. must also be taken into account

Home loan prepayment is when a borrower prepays his/her home loan partly before the end of the loan tenure. Loan prepayment helps in reducing the loan principal amount, which subsequently reduces the EMI amount. If the borrower has no issues with continuing with the on-going EMI amount, he/she can request his/her lender to reduce the loan tenure instead of reducing the loan EMI.

Read Also: 5 Smart Ways to Pre-Pay Your Home Loan

Home loan foreclosure, on the other hand, is when a borrower fully repays the home loan in a single payment instead of paying in instalments before the end of loan tenure.

Earlier, lenders used to charge prepayment penalties and foreclosure charges on floating rate home loans. But now RBI has mandated all lenders to not levy loan foreclosure and prepayment charges on floating rate housing loans when individuals pre-close the loan. However, on fixed rate home loans, some lenders still levy these charges.

Q. Which bank is best for home loan?

A. Some of the most popular banks offering home loans in India are HDFC Bank, SBI, PNB, ICICI Bank, Bank of Baroda, Axis Bank and Canara Bank. However, the best home loan for you would be the one that matches your needs. Therefore, to get the best bank for home loan first analyse your requirements. Also, when comparing home loan offers don’t jump for the offer that offers lowest interest rate, rather check on the entire deal. Besides the interest rate, pay attention to other parameters such as loan repayment and prepayment policies, processing fees, etc.

To make your search for home loan easier, we have listed a few banks and HFCs along with their offered home loan interest rates and processing fee. Compare home loan rates.

Q. Are there any tax benefits of a home loan?

A. Yes. Both the loan principal amount and the interest paid towards loan repayments provide tax benefits under Section 80C`, Section 24(b) and Section 80EE of the IT Act respectively.

Q. Can I get a home loan for the entire property value?

A. No. Banks usually keep a 20% margin when providing individuals with a home loan. This means that the lender may agree to provide you with 80% of the property value as a home loan, while you will have to shell out the rest 20% by yourself. In some cases, the lender can agree to provide you with up to 90% of the property value as a home loan.

Q. Who can co-sign a home loan with me? Can my friend co-sign a home loan for a flat?

A. Your family members like father, mother, siblings, etc. can co-sign a home loan with you. Other than that your spouse or adult children can also be co-signatories in case you are applying for a home loan. In India, as per existing rules, your friend cannot co-sign a loan as he/she is not a blood relative or otherwise related to you.

Q. How many people can co-sign a home loan with me?

A. At present, up to 7 people can co-sign a home with the primary applicant. However, all of them need to be blood- relatives of the family member.

Q. What are the reasons for home loan rejection?

A. Factors that can play a crucial role in home loan rejection are mentioned below:

  • Bad or low credit score
  • Incorrect personal details in credit report
  • Rejection of loan by other banks
  • Unstable income
  • Age factor
  • Location of the property
  • Poor repayment capabilities

Q. How to avoid home loan rejection?

A. The below mentioned steps can prove to be beneficial to avoid home loan rejection:

Credit Score: It is advisable to maintain a credit score of 750 and above to have a good chance of your application being approved. Banks & Financial Institutions rely on credit score before approving your home loan to check your credibility and loan repayment history. So, you should always maintain your credit score to avoid home loan rejection.

Insufficient Income: Banks and financial institutions look into your monthly income to see if you will be able to repay your equated monthly instalments (EMIs) or not. It is always advisable to take a home loan with EMI not more than 40% of your monthly income. Lenders have certain minimum income and employment requirements which play an important role in the loan-approval process. Make sure that you meet all the requirements before you apply for a home loan.

Too many applications for home loan in a short span of time: If you apply for a home loan from different lenders, it indicates banks and financial institutions that you are short of credit and need to apply to several sources to fill the gap. Lenders think that you will not be able to repay your loan, which leads to rejection of your home loan application.

Existing loan portfolio: Currently, if you have a number of loans to repay, then your lender might think that you will not be able to take on another EMI on your existing income, which will lead to your home loan rejection. So, it is better to apply for a home loan once you have paid off a few of your other loans to reduce your EMI burden.

Q. How to improve home loan eligibility

A. Potential home loan borrowers can enhance their home loan eligibility in the following ways:

Improve your credit score: A good credit score improves your chances of loan approval so that you can avail a home loan at lower interest rates and better terms. Paying your bills on time and maintaining credit utilisation ratio below 40% are some of the ways to improve and maintain your credit score.

Pay higher down payments: Financial institutions lend 75-90% of the property value. This implies that the remaining 10-25% of the property value has to be contributed as down-payment by borrowers. To increase your home loan eligibility, make higher contribution towards your home loan down payment. Doing so will lower your LTV ratio; thus, improving your home loan eligibility.

Add an earning co-applicant: Add an earning co-applicant with good credit history and satisfactory repayment capacity to increase your home loan eligibility. Joint home loan might even help you get higher loan amount and concession on your home loan interest rates (if the co-applicant is a woman).

Q. How home loan EMI is calculated?

A. Equated Monthly Instalment (EMI) is the amount that you repay each month against your home loan principal amount and its interest amount. So, while calculating the home loan EMI, both the principal amount and the accrued interest on the loan is taken into consideration.

Q. Are there any prepayment charges in case of a home loan?

A. In case of a floating rate home loan, lenders don't charge a pre-payment penalty as per RBI directives however a penalty may be applied in case of prepayment of a fixed-rate home loan.

Q. What is home loan balance transfer?

A. Home loan balance transfer is a facility that allows home loan borrowers to transfer their outstanding home loan to a new lender for lower interest rate or better loan terms. Almost all lenders offer the home loan transfer facility to their customers. Paying your loan EMIs regularly is one of the factors that help you enjoy loan transfer facility. But before going for home loan balance transfer, carry out a cost-benefit analysis. Calculate the difference between the interest rates offered by the two lenders, the amount of the loan left unpaid and the remaining tenure.

Home loan balance transfer is not an ideal option if the outstanding loan amount is low, if only a few repayment years are remaining or the difference in the interest rate is leading to negligible savings. Also, do not forget to consider processing fee charges, which the new lender would be charging for balance transfer.

Must Read: Top 10 Banks for Home Loan Balance Transfer.

Have more queries? Visit our home loan FAQs page.

HDFC reduces its home loan interest rates by 5 bps

04 March 2021: Housing Development Finance Corporation (HDFC) on Wednesday reduced home loans interest rates by 5 basis points, which changed its home loan rate from 6.80% to 6.75% with effect from 04 March 2021.

Kotak Mahindra Bank reduces home loan interest rate to 6.65% till March 31

02 March 2021: Kotak Mahindra Bank has reduced its home loan rate by 10 basis point (bps) from 01 March 2021. Customers can get Kotak Mahindra Home Loan starting at 6.65% per annum, which currently is the lowest in the home loan lending market. The bank says that this special rate that is applicable till March 31, 2021, across all loan accounts for both salaried and self-employed individuals. The Kotak Mahindra home loan rate of interest is linked to borrowers’ credit score and the Loan to Value (LTV) ratio.

SBI offers home loan at the low interest rate of 6.70% p.a.

01 March 2021: The State Bank of India (SBI) has reduced its housing loan interest rate from 6.80% to 6.70%. For loans of up to Rs 75 lakh, home loan interest rates will start at 6.70 percent. Whereas, for loans in the range of Rs 75 lakh to Rs 5 crore, the interest rate charged will be 6.75 percent onwards. India’s largest public sector bank is also giving 100% waiver on home loan processing fees till 31 March 2021. The interest concession that SBI is offering is based on the loan amount and CIBIL score of the borrower. Hence, to get SBI home loan at its lowest interest rate, applicants must ensure that they have good repayment history.

SBI home loan interest rate at its lowest, no processing fee till Mar ’21 

28 February 2021: The State Bank of India (SBI) has waived off processing fee on its floating rate home loans till March 31, 2021. SBI offers housing loans at 6.80% per annum.

Canara Bank reduces its MCLR

09 February 2021: Following HDFC Bank, Canara Bank also has decided to cut its Marginal Cost of Funds based Lending Rate (MCLR). The public sector bank has reduced its MCLR by 0.1% for one day and one month. So the revised Canara Bank MCLR rate for one month is 6.7%. Apart from the MCLR for three months and six months is 6.95% and 7.30%, respectively. And lastly, the Canara bank MCLR for one year is 7.35%.

HDFC Bank reduces its MCLR

08 February 2021: HDFC Bank has decided to cut its Marginal Cost of Funds based Lending Rate (MCLR). HDFC Bank’s overnight MCLR is at 6.85%. Its one-month and three-month MCLR stands at 6.9% and 6.95%, respectively. For six-month and one year, the bank’s MCLR is 7.05% and 7.2%, respectively. And lastly, for two years and three years, the bank’s MCLR stands at 7.3% and 7.4%, respectively.

DCHF slashes interest rates to 6.75%

08 February 2021: Delhi Cooperative Housing Finance Corporation Limited (DCHF) has cut its housing loan interest rates from 7.45% to 6.75%. The corporation has taken this step after the Delhi Government reduced circle rates on properties by 20% for a period of six months. The corporation is also planning to launch an attractive housing loan package for middle class and weaker sections in the near future.

Union Budget 2021: Additional tax benefits on home loans

03 February 2021: In Union Budget 2021, Nirmala Sitharaman, Finance Minister of India, announced additional tax benefits of up to Rs.1.5 lakh on home loan interest. Currently, under Section 24 (1) of the Income Tax Act, taxpayers can claim tax deductions of up to Rs. 2 lakh on home loan interest under certain conditions. And the new benefits would fall under Section 80 EEA of the Income Tax Act. The benefits can be claimed until 31 March 2022 as opposed to the earlier deadline, which was 31 March 2021. The new amendment will be effective from 1 April 2020.

RBI keeps its key rates unchanged 

03 February 2021: The Reserve Bank of India (RBI) in its bi-monthly monetary meeting decides to keep the repo rate unchanged. This is the fourth time in a row that the central bank has decided to keep the key rates unchanged. So after this decision, we can say that the repo rate and the reverse repo rate will continue to stand at 4% and 3.35%, respectively. State Bank of India (SBI) has waived off processing fee on its floating rate home loans till March 31, 2021. SBI offers housing loans at 6.80% per annum.

HDFC offers special home loan rates

11 January 2021: HDFC Ltd. is offering special housing loan interest rates to its new customers. The HDFC bank home loan interest rate has been reduced from 6.90% to 6.80% per annum. For any loan amount, the HDFC home loan interest rate will range from 6.80% to 7.30% per annum. The reduced home loan rates are subject to credit risk profile assessed by HDFC Ltd. It will be offered to those with credit score of 730 & above. the should also avail disbursements (part/full) on or before 31.03.2021. The special housing loan interest rates are applicable to HDFC Home Loans, including HDFC Home Improvement, HDFC Home Extension and HDFC Home Loan Balance Transfer. The housing loan rate of interest are applicable for loans under the Adjustable Rate Home Loan Scheme and are subject to change at the time of disbursement. The special rate is effective from 11th January, 2021 for login(s) and disbursement (s) (part/full) availed on or before 31st March, 2021.

SBI cuts its home loan rates by 30 bps

09 January 2021: The State Bank of India (SBI) has reduced its home loan interest rates by 30 basis points. The current home loan interest rate is 6.80% p.a. for up to Rs. 30 lakhs offered by SBI. For housing loans above Rs. 30 lakhs, the rate of interest will start from 8.95% p.a. The final home loan rate at which applicants will get the loan will depend on multiple factors including their CIBIL Score. The home loan interest concessions up to 30 bps is also available in 8 metro cities for loans up to Rs. 5 Crore. Additionally, SBI is offering interest concession of 5 bps each to women borrowers, on home loan balance transfer and to those who apply for SBI home loans through SBI YONO App and other digital channels.

ICICI Bank and IIFL Home Finance joining hands to provide affordable housing loans

30 December 2020: ICICI Bank and IIFL Home Finance are coming together to provide loans to Affordable Housing segment. They will also cater to the needs of MSMEs in the form of loans against property. The processing of loan will be taken care by IIFL Home Finance while the funding will be provided by ICICI Bank.

Bajaj Finserv has reduced its home loan interest rates

21 November 2020:  Bajaj Housing Finance Limited (BHFL) has reduced its housing loan interest rates for new customers. Home buyers can now get the loan at 6.90% per annum.

Citibank offers the lowest home loan rate

20 November 2020: Citibank is offering housing loan at the lowest interest rate of 6.75% p.a. onwards. The bank has also decided to levy no processing fee on home loans till 31 December 2020. Unlike banks who usually have linked their housing loan rates to the RBI’s repo rate, Citibank’s home loans interest rates are linked to 91-day treasury bill.

UCO Bank slashes home loan rates by 25 basis points

18 November 2020: UCO Bank has reduced its home loan interest rates by 25 basis points. After the housing loan rate reduction, the bank currently is offering home loans starting at 6.90% per annum. The new home loan rate is applicable irrespective of loan amount and occupation of the borrower. This implies that both salaried and self employed professionals can avail UCO bank home loan at the same rate of interest, which starts at 6.90% p.a.

Subsidy and Income Tax Relief for Homebuyers Under 'Aatmanirbhar' Package 3.0

12 November 2020: The Finance Minister, Nirmala Sitharaman, has talking about the stimulus measures for boosting growth. In the past, she had also shed some light on the macro-economic indicators. She had said that for boosting India’s real estate sector, the differential has been increased to 20% till 30 June, 2021. This relief is for the primary sale of residential units valued up to Rs. 2 crore.

Union Bank of India cuts home loan rate by 10 bps

31 October 2020: Union Bank of India has cut the interest rate on home loans of above Rs. 30 lakh by 10 basis points (bps) with effect from November 1, 2020. The bank has also announced further rate concession of 5 bps for women home loan borrowers. The bank now offers all home loans above Rs 30 lakh at 6.95% onwards. There will also be zero processing charges on home loans till 31 December 2020. UBI also waived legal and valuation charges up to ₹10,000 in case of take-over of home loans by it.

Bank of Baroda cuts home loan rates by 15 basis points

31 October 2020: Bank of Baroda (BoB) has reduced its lending rate, Base Repo Linked Lending Rate (BRLLR), by 15 basis points. The new Bank of Baroda home loan interest rate will be effective from 1 November 2020 and will start at 6.85% per annum.

Kotak Mahindra Bank slashes home loan rates

31 October 2020: Kotak Mahindra home loans are now available starting at 6.9% per annum. If borrowers of another bank switch the loan account to Kotak Mahindra Bank, they will be eligible to save up to Rs. 20 lakh. Additionally, women applicants can get special rates across housing loan products.

60% of HFC loans to be used for housing with no foreclosure and prepayment charges

27 October 2020: The Reserve Bank of India (RBI) has rolled out guidelines for all Housing Finance Companies (HFC). As per the RBI guidelines, the Non-banking Finance Companies (NBFC) will now have to have at least 60% of their assets (net) deployed in the business and services of providing finance for housing. Those who will not reach the ratio will have to do so by March 31, 2024.

Finance Ministry has asked lenders to waiver off interest on interest

27 October 2020: In an effort to lighten the loan burden of all borrowers amidst the COVID 19 pandemic, the Finance Ministry has issued a new set of guidelines, which includes the waiver of ‘interest on interest’ for a period of six months. The payments will be made to every small business and individual borrowers who have taken loans up to Rs. 2 crore.

The Centre has approved a scheme to grant ex-gratia payment of the difference between simple interest and compound interest to all borrowers of specified loan accounts (1 March to 31 August).

Tata Housing offers fixed home loan rates for a year

22 October 2020: Tata Housing Development Company (THDC) has announced ‘Wow is Now’ scheme for homebuyers wherein the applicants will be charged 3.99% only for a period of one year and the remaining will be taken care by the financial institution. The scheme is applicable on up to 10 projects till 20 November 2020. The scheme is launched after considering 7% p.a. interest rate from the bank as the maximum limit. The scheme will also include a gift voucher ranging from Rs. 25,000 to Rs. 8 lakh depending on the property, after the booking. The voucher would be issued after the payment of 10% of the amount and the registration of property. The campaign is extended across 10 Tata Housing projects.

Special Window for Affordable and Mid-Income Housing (SWAMIH) approves Rs. 4,197 crore worth housing projects

22 October 2020: The Special Window for Affordable and Mid-Income Housing (SWAMIH) fund has approved 33 housing projects worth Rs. 4,197 crore. These housing loan projects will result in more than 25,000 residential units being completed. The SWAMIH Investment Fund aims to finish the construction of housing projects that are RERA-registered and in mid-income category. Throughout India, the construction of more than 60,000 homes will be completed under the SWAMIH Investment Fund. These are for projects spread across tier 2 cities such as Chandigarh, Dehradun, Jaipur, Karnal, Kota, Lucknow, Nashik, Nagpur, Panipat, Surat, and Vizag. Metropolitan cities such as National Capital Region (NCR), Bengaluru, Pune, Mumbai Metropolitan Region (MMR), and Chennai will also be covered under the investment fund.

Kotak Mahindra has reduced its home loan rates by 10 bps

21 October 2020: Kotak Mahindra Bank has cut down its home loan interest rates further by 10 bps. The Kotak Mahindra home loan rate of interest now starts at 6.9% p.a.

Axis bank offers a special interest rate on home loans

21 October 2020: As part of its festive offer called ‘Dil Se Open Celebrations’, Axis Bank has announced special interest rates on its home loan products. Under this special festive offer, Axis bank home loan rates will start at 6.90% per annum.

RBI to rationalise risk weightage on housing loans

20 October 2020: The Reserve Bank of India (RBI) has decided to rationalise the risk weightage on housing loans so as to boost demands. The housing loans will attract a risk weight of 35% where LTV is less than or equal to 80%, and a risk weight of 50% where LTV is more than 80% but less than or equal to 90%. The move by RBI will give a major boost to the housing sector especially the retail housing in India.

Karnataka Vikas Grameena Bank has cut its home loan rates

20 October 2020: Amid the onset of the festive season, the Karnataka Vikas Grameena Bank (KVGB) has reduced its home loan interest rates. The revised KVGB home loan rate stands at 7.5% p.a.

An increase of 35% in housing sales expected during the upcoming festive season

16 October 2020: The festive season in India is expected to boost real estate sales by approximately 35%. Real estate builders and developers will also be announcing several attractive schemes and offers during the season to attract homebuyers. Reduced registration charges in the MMR markets, reduced stamp duty, and lower home loan interest rates are all factors that are likely to boost sales of residential units during the festive season.

Punjab & Sind Bank to revise its MCLR

16 October 2020: Punjab & Sind Bank Marginal Cost of funds based Lending Rate (MCLR) linked home loans will change with effect from 16 October 2020 as the bank has revised its MCLR. The bank’s revised 1-year MCLR is 7.70%. And the bank’s Benchmark Prime Lending Rate (BPLR) and Base Rate remain unchanged at 14% and 9.70%, respectively.

Home loans amounting Rs. 75 lakh or more is expected to be cheaper

12 October 2020: Home loans amounting Rs.75 lakhs and above are expected to be cheaper. The Reserve Bank of India (RBI) is trying to make it easier for the lenders to extend loans to this segment of borrowers. Earlier, lenders had to set aside a bigger amount of funds for higher loan amounts. This forced them to levy a higher interest rate for this segment of loans. Since the difference has been removed, the rates can now be restructured.

SBI’s special offers on home loans

11 September 2020: The State Bank of India (SBI) has announced special offers on home loans. The lender will offer borrowers applying for SBI home loans three benefits, nil processing fee, 0.10% interest concession for borrowers with a higher CIBIL score for loans above Rs. 30 lakh and less than Rs. 1 crore and lastly additional 0.5% of interest concession of the loan is applied through SBI’s YONO app.

Bank of Maharashtra and Indian Overseas cut MCLR rates

08 September 2020: Bank of Maharashtra has cut its Marginal Cost of funds based Lending Rate (MCLR) by up to 10 basis points for select tenors. The Indian Overseas Bank (IOB) has also decided to cut its MCLR by 10 basis points across all tenors with effect from September 10. Bank of Maharashtra has reduced its 1-year and 6-month MCLR to 7.30% and 7.25%, respectively. For overnight and 1-month and 3-month tenors, the lender has reduced the MCLR to 6.8%, 7% and 7.2%, respectively. The IOB has also revised its 1-year, 6-month and 3-month MCLRs to 7.55% and 7.45%, respectively.

BOB home loan rates reduced by 0.25%

08 October 2020: This festive season, Bank of Baroda (BOB) has decided to reduce its home loan rates by 0.25%. However, the revised rates will be applicable to take over cases only. Besides home loan rate cut, the public sector bank has also waived off its home loan processing fee.

HDFC reduces MCLR by 10 bps

07 September 2020: HDFC Bank has cut its Marginal Cost of funds based Lending Rate (MCLR) on home loans by 10 basis points across all tenors. The revised MCLR rates will be effective from 7 August 2020. After the latest rate cut, its overnight MCLR has reduced to 7%, one-month MCLR has decreased to 7.05%, one-year MCLR is now 7.35% and the three-year MCLR currently stands at 7.55%.

HDFC approves Rs 47k cr home loans under PMAY scheme

07 September 2020: In a regulatory filing, HDFC Ltd. revealed that it approved over Rs 47,000 crore of home loans under Pradhan Mantri Awas Yojana Credit Linked Subsidy Scheme (PMAY CLSS) to over two lakh eligible homebuyers.

PNB raises repo-linked lending rate by 15 bps

01 September 2020: Punjab National Bank has raised its repo-linked lending rate by 15 basis points to 6.8%. All new retail loans including home loans are linked to the repo rate. The increase in the repo rate will also increase the interest rate of retail loans including PNB home loan. The bank has also cut its base rate by 10 bps to 8.9%. The revised lending rates will be effective from 01 September.

Indian Bank slashes 1-year MCLR by 5 basis points

01 August 2020: Indian Bank has announced cut on one year Marginal Cost of funds based Lending Rate (MCLR) by 5 basis points. The revised one year MCLR of the bank stands at 7.3%, effective from 03 September.

Indian Bank cuts lending rates by 30 bps

01 June 2020: Indian Bank has announced cut on its Marginal Cost of funds based Lending Rate (MCLR) by 30 basis points across all tenors. The revised MCLR will be effective from 03 June. After the rate revision, the bank’s one-year MCLR will stand at 7.5%. And overnight and one-month MCLRs have been reduced to 7.2% and 7.25%, respectively.

CSB bank revises MCLR across all tenors

1 April 2020 - CSB Bank (Catholic Syrian Bank Limited) announced the revision in Marginal Cost of Funds Based Lending Rates (MCLR). The new MCLR is applicable across various tenors with effect from 1 April 2020. The bank’s revised one-year MCLR and six-month MCLR is 9.50% and 8.70%, respectively. The revised three-month, one-month and overnight MCLR of the bank is 8.60%, 8.30% and 8.20%, respectively.

SBI home loan gets cheaper from 1 April

01 April 2020 - After the Reserve Bank of India (RBI) reduced the repo rate by 75 basis points (bps), SBI has decided to pass on the entire rate cut to its borrowers whose loans are linked to external benchmark linked lending rate (EBR) as well as repo linked lending rate (RLLR). The revised rates come into effect from 1 April 2020. After the revision, the EBR has fallen to 7.05% from 7.80% per annum. And the prevailing RLLR is 6.65% instead of 7.40% per annum. After this rate, SBI home loans have become cheaper by about Rs. 52 per lakh on a 30-year loan.

PNB cuts lending rates by 75 bps

31 March 2020 - Punjab National Bank (PNB) has reduced its lending rates linked to the repo rate by 75 bps, effective from 1 April 2020. The RLLR will reduce to 7.25% from 8% from 1 April. PNB has also reduced its MCLR by 30 bps across all tenors. PNB is merging Oriental Bank of Commerce and United Bank of Indian with it from 1 April 2020.

IOB cuts lending rates by 75 bps

31 March 2020 - Indian Overseas Bank (IOB) has announced reduction of their lending rates linked to the repo rate by 75 bps, effective from 1 April 2020. The RLLR has reduced to 7.25% from 8%. IOB has also said to reduce its one year MCLR to 8.25% from 8.45%, effective from 10 April 2020.

United Bank of India cuts its MCLR by 25 bps

31 March 2020 - The United Bank of India has reduced its Marginal Cost of funds based Lending Rate by 25 basis points across all tenors. Its one-year MCLR has been revised to 7.75% from 8% from 1 April 2020.

RBI cuts repo rate by 75 basis points

29 March 2020 - From 1 April 2020, the schemes for the merger of ten state-run banks into four other banks are coming into force. The Reserve Bank of India (RBI) in separate releases announced that the branches of merging banks will operate as of the banks in which they have been merged. As per the scheme, Oriental Bank of Commerce (OBC) and United Bank of India will be merged into Punjab National Bank. The Syndicate Bank will be merged into Canara Bank; Allahabad Bank into Indian Bank and lastly, the Andhra and Corporation banks into Union Bank of India.

RBI cuts repo rate by 75 basis points

27 March 2020 - In an emergency move, to ease the economic pain caused by the COVID-19 outbreak, the Reserve Bank of India announced a generous cut of 75 basis points in the benchmark repo rate. The reverse repo rate has been slashed by 90 bps to 4% by the six-member monetary policy committee (MPC) which is headed by the RBI governor Shaktikanta Das. To revive growth and mitigate the impact of coronavirus, the central bank has maintained an accommodative stance on the policy. To incentivize credit flow, the central bank has also reduced Cash Reserve Ration (CRR) by 100 bps to 3% of the Net Demand and Time Liabilities with effect from 28 March 2020 for duration of 1 year.

SBI reduces MCLR by 15 bps

11 March 2020 - SBI has reduced its Marginal Cost of funds based Lending Rate (MCLR) by 10-15 basis points (bps) across tenors. Effective from 10 March 2020, the one-year MCLR has been reduced to 7.75% from 7.85%. Similarly, the bank’s 3-month MCLR currently stands at7.50% from 7.65%, earlier. The reduction in MCLR will impact home loan borrowers’ EMIs only when the reset date arrives. On the reset date (as mentioned in your loan agreement), the future EMIs will be charged as per the prevailing interest rate.

Union Bank of India reduces MCLR by 10 bps

10 March 2020 - The Union Bank of India reduces its Marginal Cost of funds based Lending Rate (MCLR) by 10 basis points (bps) across all tenors. The reduced MCLR will be effective from 11 March 2020 till 31 March 2020. The revised one year MCLR of Union Bank of India stands at 8%.

Yes bank home loan borrowers can now make their loan payments

10 March 2020 - Yes bank home loan borrowers can now pay their loan EMIs from other bank accounts by using Immediate Mobile Payment Service (IMPS) or National Electronic Funds Transfer (NEFT) services.

Maharashtra cuts stamp duty in Maharashtra for 2 years

06 March 2020 - To promote real estate in Maharashtra, the state government in its maiden budget announced some tax concession proposals, which included 1% stamp duty concession for the next two years and other related charges applicable on registration of documents in the areas falling under the Mumbai Metropolitan Region Development Authority (MMRDA) and Municipal Corporations of Pune, Pimpri-Chinchwad and Nagpur.

Lenders Lowest Interest Rate EMI/Lakh** Processing Fees (exclusive of GST)
Kotak Mahindra Bank 6.65%* Rs. 642 Zero processing fees till 31.03.2021
State Bank of India 6.70%* Rs. 645 Zero processing fees till 31.03.2021
HDFC Bank 6.70% Rs. 645 Up to 0.5% of loan amount or Rs. 3,000, whichever is higher
ICICI Bank 6.80% Rs. 651 Up to 2% of loan amount or Rs. 20,000, whichever is higher
Union Bank of India 6.80% Rs. 651 0.50% of the loan amount (Max. Rs. 15,000)
Punjab National Bank 6.80% Rs. 651 Full waiver of upfront / processing fees and documentation charges during PNB New Year Bonanza-2021 from 01.01.2021 to 31.03.2021
Bank of Baroda 6.85% Rs. 655 0.25% – 0.50% of loan amount (Min. Rs. 8,500 & Max. Rs. 25,000)
Central Bank of India 6.85% Rs. 655 0.50% of loan amount (Max. Rs. 20,000)
Axis Bank 6.90% Rs. 659 Up to 1% of the loan amount (Min. Rs. 10,000)
Bajaj Finserv 6.90% Rs. 659 For salaried individuals: Up to 0.80% of loan amount
For self-employed individuals: Up to 1.20% of loan amount
Canara Bank 6.90% Rs. 659 0.50% (Min. Rs. 1,500; Max. Rs. 10,000)
LIC Housing Finance 6.90% Rs. 659 As applicable
Punjab & Sind Bank 6.90% Rs. 659 Full waiver on processing charges during the Festival Campaign Period
Tata Capital Housing Finance 6.90% Rs. 659 0.20% – 0.50% of loan amount
UCO Bank 6.90% Rs. 659 0.5% of the loan amount (Min. Rs. 1,500; Max. Rs. 15,000)
IDBI Bank 6.90% Rs. 659 For Inward Balance Transfer and PMAY Cases: Nil
For Other Home Loan Cases:
Up to Rs. 35 lakh: Rs. 3,500 to Rs. 7,500
Above Rs. 35 lakhs and up to Rs. 75 lakh: Rs. 6,000 to Rs. 10,000
Above Rs. 75 lakh and up to Rs. 125 lakh: Rs. 10,000 to Rs. 16,000
Above Rs. 125 lakh: Rs. 10,000 to Rs. 20,000
Bank of India 6.95% Rs. 661 Nil processing fees till 31.03.2021
IDFC First Bank 7.00% Rs. 665 Up to Rs. 10,000 (additional premium is charged based on risk profile)
Indian Overseas Bank 7.05% Rs. 669 Up to 0.50% of loan amount (Max. Rs. 25,000)
PNB Housing Finance 7.35% Rs. 688 Up to 1% of loan amount (Min. Rs. 10,000)
Federal Bank 7.65% Rs. 709 0.50% of loan amount (Min. Rs. 10,000; Max. Rs. 45,000)
Standard Chartered Bank 7.99% Rs. 733 0.50% to 1% of loan amount
Fullerton Grihashakti 7.99% Rs. 737 Up to 3% of loan amount
Karnataka Bank 8.06% Rs. 738 Up to 0.25% of loan amount
IIFL 8.45% Rs. 765 Up to 2% of loan amount
Indiabulls Housing Finance 8.65% Rs. 779 Up to 2% of loan amount
DHFL 8.75% Rs. 786 Salaried/Self Employed Professional – 0.5% of loan amount (Min. Rs. 2,500)
Self Employed Non Professional – Net PAT: 0.5%, Others: 1.0% of loan amount
YES Bank 8.95% Rs. 801 2% of loan amount or Rs. 10,000, whichever is higher
Aditya Birla Housing Finance Ltd. 9.00% Rs. 805 Up to 1% of loan amount
India Shelter Finance Corp. Ltd. 12.00% Rs. 1,106 2% – 3% of loan amount

Home Loan Interest Rates for all banks as of 1st March 2021.
The housing loan interest rates in the table are subject to change anytime without prior notice.
*The Kotak Mahindra Home Loan special rate is applicable till March 31, 2021.
*The SBI home loan interest rate given in the table is applicable till March 31, 2021.
**To calculate Home Loan EMI, the loan tenure is assumed as 30 years.

The final interest rate charged by the bank to the customer would be based on various other factors at the discretion of the lender. The variation in home Loan Interest rates may occur on the basis of key factors such as applicant's credit score, prior lender-borrower relationship and the loan amount applied for.

Home Loan
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Home Loan

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HDFC Bank Home Loan

HDFC bank has good loan schemes with decent interest rates and are a saviour.


Posted on: Jun 22 , 2019
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Punjab National Bank Home Loan

I applied for a minimum loan of 10 lakhs at PNB and got it approved.


Posted on: May 27 , 2019