Home Loans in Bangalore

Compare Home Loan Interest Rate Offered by Various Banks & HFCs in Bangalore

Name of Lender	Loans Up to Rs. 30 Lakh	Loans Above Rs. 30 Lakh to Rs. 75 Lakh	Loans Above Rs. 75 Lakh
State Bank of India	7.50%-8.70% p.a.	7.50%-8.70% p.a.	7.50%-8.70% p.a.	Check Eligibility
HDFC Bank Limited	8.15% p.a. onwards	8.15% p.a. onwards	8.15% p.a. onwards	Check Eligibility
Bajaj Housing Finance	7.49% p.a. onwards	7.49% p.a. onwards	7.49% p.a. onwards	Check Eligibility
ICICI Bank	8.00% p.a. onwards	8.00% p.a. onwards	8.00% p.a. onwards	Check Eligibility
Axis Bank	8.35%-11.90% p.a.	8.35%-11.90% p.a.	8.35%-11.90% p.a.	Check Eligibility
Federal Bank	9.15% p.a. onwards	9.15% p.a. onwards	9.15% p.a. onwards	Check Eligibility
Punjab National Bank	7.55% - 9.35% p.a.	7.50% - 9.25% p.a.	7.50% - 9.25% p.a.	Check Eligibility
Kotak Mahindra Bank	8.20% p.a. onwards	8.20% p.a. onwards	8.20% p.a. onwards	Check Eligibility
Canara Bank	7.50%-10.25% p.a.	7.45% – 10.25% p.a.	7.40% – 10.15% p.a.	Check Eligibility
IDFC FIRST Bank	8.85% p.a. onwards	8.85% p.a. onwards	8.85% p.a. onwards	Check Eligibility
IDBI Bank	7.75% p.a. onwards	7.75% p.a. onwards	7.75% p.a. onwards	Check Eligibility
RBL Bank	8.20% p.a. onwards	8.20% p.a. onwards	8.20% p.a. onwards	Check Eligibility
Tata Capital Housing Finance	7.99% p.a. onwards	7.99% p.a. onwards	7.99% p.a. onwards	Check Eligibility
PNB Housing Finance	8.25% - 11.50% p.a.	8.25% - 11.50% p.a.	8.25%-12.35% p.a.	Check Eligibility
Sammaan Capital (Formerly known as Indiabulls Housing Finance)	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards	Check Eligibility
India Shelter Home Loan	10.00% - 24.00% p.a.	10.00% - 24.00% p.a.	10.00% - 24.00% p.a.	Check Eligibility
L&T Finance Limited	8.65% p.a. onwards	8.65% p.a. onwards	8.65% p.a. onwards	Check Eligibility
Godrej Housing Finance	8.55% p.a. onwards	8.55% p.a. onwards	8.55% p.a. onwards	Check Eligibility
Home First Finance	11.90% - 15.00% p.a.	11.90% - 15.00% p.a.	11.90% - 15.00% p.a.	Check Eligibility
Easy Home Finance	8.99% - 18.00% p.a.	8.99% - 18.00% p.a.	8.99% - 18.00% p.a.	Check Eligibility
Piramal Capital Housing Finance	9.50% p.a. onwards	9.50% p.a. onwards	9.50% p.a. onwards	Check Eligibility

Note: Last Updated on 9 July 2025 

Home Loan Features

• Interest rates of home loans in Bangalore start from 7.25% p.a.
• Tenures can go up to 30 years
• LTV ratio: Up to 90% of the property cost based on the home loan amount
• Home loan balance transfer (HLBT) of existing home loans from bank/HFC to other bank/HFCs at lower interest rates
• Top-up facility to existing home loan borrowers to meet their personal requirements
• New home loan applicants and those exercising HLBT can avail home loan overdraft option to ensure higher liquidity and interest cost savings
• Many banks offer pre-approved home loans to their existing customers having good credit profile
• No pre-payment charges for home loans availed at floating interest rates

Income Requirements of Home Loan in Bangalore:  At least Rs 15,000 p.m. for salaried applicants; can be more for some Banks/NBFCs

Eligibility Criteria of Home Loans in Bangalore

• The applicant should be an Indian Resident, NRI, PIO. Some banks and HFCs also offer home loans to NRI and PIO applicants, branded as NRI Home Loan.
• Minimum Age- 21 years; Maximum Age- Up to 70 years when loan matures
• Job Profile: Salaried (government and corporate employees)/Self-Employed Professional (Doctors, CS, lawyers, CA, architect, consultant, engineer)/Self-Employed Non-Professional (contractor, trader, commission agent)
• Work experience: At least 3 years
• CIBIL/Credit score of 730 and above have higher chances of availing home loan and at lower interest rates

Also Check Home Loan Eligibility Criteria

Documents Required for Home Loans in Bangalore

For Salaried Applicants

• Aadhaar card, voter ID, driving license, PAN card, passport, for KYC
• Income Proof: Salary slips for last 3 months, Bank statement for past 6 months with salary credits, ITR/Form-16
• Bank statement showing repayment history
• Employment contract
• Own contribution proof
• Property related documents
• Processing fee cheque

Additional Documents for Self-Employed Applicants

• Recent Form 26AS
• Business profile
• Memorandum and Articles of Association of the company
• Balance sheet and profit & loss account statement for last 3 years
• Income Proof: ITR with income computation for past 3 years
• Savings account statement of individual for last 6 months and current account statement of business entity

Also Check Home Loan EMI Calculator