Loan & Credit Card Comparison
Compare interest rates, fees, and benefits across India's top banks.
Loan rates auto-updated from BankBazaar.com on 2026-10-19
| Bank | Starting Rate | Max Rate | Processing Fee |
|---|---|---|---|
| Bank of Maharashtra | 7% p.a. | 9.65% p.a. | Up to 0.25% of loan amount, subject to a maximum of Rs.25,000 |
| Central Bank of India | 7.1% p.a. | 8.75% p.a. | 0.50% of the loan amount plus taxes, subject to a maximum of Rs.20,000 |
| Union Bank of India | 7.15% p.a. | 9.35% p.a. | 0.50% of the loan amount with a maximum of Rs.15,000 + GST |
| LIC Housing Finance | 7.15% p.a. | 7.15% p.a. | 0.25% of the loan amount for loans up to Rs. 1crore, subject to a maximum of Rs. 15,000 plus GST |
| Bank of Baroda | 7.2% p.a. | 8.95% p.a. | Min: Rs.8,500; Max: Rs.25,000 |
| State Bank of India | 7.25% p.a. | 7.25% p.a. | 0.35% of the loan amount plus GST.Minimum of Rs.3000 + GST up to Rs.12,000 + GST |
| South Indian Bank | 7.25% p.a. | 7.25% p.a. | 0.50% of the loan amount plus GST, subject to a minimum of Rs. 10,000 + GST up to Rs.50,000 + GST |
| Bank of India | 7.35% p.a. | 10.25% p.a. | 0.25% of the loan amount, subject to a minimum of Rs. 1,500 up to a maximum of Rs.20,000 |
| Saraswat Bank Home Loan | 7.35% p.a. | 9.1% p.a. | Rs.2,500 to Rs.7,500 plus GST onwards |
| Federal Bank | 7.35% p.a. | 9.25% p.a. | 0.50% of the loan amount with a minimum of Rs. 10,000 and a maximum of Rs. 2 lakh |
| IDBI Bank | 7.4% p.a. | 11.9% p.a. | 0.50% of the loan amount plus applicable taxes |
| Karnataka Bank | 7.48% p.a. | 11.8% p.a. | 0.25% of loan amount (for KBL Xpress Home loan for loan amount Rs.75 lakh: Nil) |
| Punjab National Bank (PNB) | 7.5% p.a. | 9.35% p.a. | 0.35% of the loan amount, subject to a minimum of Rs.2,500 up to Rs.15,000 |
| Jammu and Kashmir Bank | 7.5% p.a. | 8.2% p.a. | 0.25% of the loan amount + GST subject to a minimum of Rs. 2000 + GST up to Rs. 50,000 + GST |
| Tata Capital | 7.5% p.a. | 7.5% p.a. | Rs.999 + GST (initial fees) |
| Kotak Mahindra Bank | 7.6% p.a. | 12% p.a. | Up to 2% of the loan principal amount + GST (Zero fee for online applications) |
| Punjab and Sind Bank | 7.6% p.a. | 11% p.a. | 0.25% of the loan amount plus taxes for loans above Rs.75 lakhs |
| Dhanlaxmi Bank | 7.65% p.a. | 7.65% p.a. | 1.00% of the loan amount, plus service tax (with a minimum of Rs.10,000 Plus service tax). |
| HDFC Home Loans | 7.75% p.a. | 13.2% p.a. | Up to 0.50% of loan amount subject to minimum Rs.4,000 |
| IDFC First Bank | 7.75% p.a. | 7.75% p.a. | Up to 3% of the overall loan amount. |
| Standard Chartered Bank | 7.99% p.a. | 7.99% p.a. | 1% of sanctioned loan amount |
| Axis Bank | 8% p.a. | 9.1% p.a. | Up to 1% of the loan amount, subject to minimum of Rs.10,000 plus applicable taxes |
| Tamilnad Mercantile Bank | 8.15% p.a. | 9.55% p.a. | 0.50% of the loan amount + GST |
| Truhome Finance | 8.5% p.a. | 21% p.a. | At NBFC’s discretion |
| Yes Bank | 8.65% p.a. | 8.65% p.a. | 1.5% of the loan amount plus GST or Rs.10,000 + GST, whichever is higher |
| GIC Housing Finance | 8.8% p.a. | 8.8% p.a. | Rs.2,500 + applicable GST |
Quick Home Loan EMI Calculator
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How to Choose the Right Financial Product
- Home Loan: Go for the lowest interest rate. Even 0.25% difference saves lakhs over 20 years. Government banks (SBI, BOB, PNB) usually offer the best rates.
- Personal Loan: Compare processing fees along with interest rates. A low rate with high processing fee may cost more overall.
- Credit Card: Pick based on your spending pattern — if you shop on Amazon, get the Amazon Pay card. If you travel, get a card with lounge access.
Use the EMI Calculator to see exactly how much you'll pay for any loan amount.
Rates are indicative and subject to change. Final rates depend on your credit score and profile. Check bank websites for the latest rates.