Home Loan EMI
by Bank — India 2026
Bank-specific home loan EMI calculators, current interest rates, eligibility, and tax benefits for the top Indian lenders.
SBI
Public sector8.50%–9.65%
Interest rate range · June 2026
SBI uses EBLR (External Benchmark Lending Rate) linked to RBI Repo Rate — rate transmission is among the fastest in India.
HDFC Bank
Private bank8.75%–9.95%
Interest rate range · June 2026
Post the HDFC Ltd merger (July 2023), all retail home loans are now booked on HDFC Bank's balance sheet — same underwriting team as the legacy HDFC Ltd home loan unit. Service quality and approval speed unchanged.
ICICI Bank
Private bank8.75%–9.85%
Interest rate range · June 2026
ICICI iMobile / Internet Banking allows fully digital home loan application + sanction within 48 hours for pre-approved customers — among the fastest in India.
Bajaj Housing Finance
Housing Finance Company8.50%–14.00%
Interest rate range · June 2026
Bajaj Housing Finance IPO (Sep 2024) is among India's largest HFC listings. As a listed NBFC-HFC, its rates track NHB borrowing cost + spread (vs banks which use EBLR / repo).
