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Indian home loan rates in April 2026 vary by lender, with major banks offering starting rates around 7.1 to 8 percent, making housing finance a key tool for buyers
Home loan interest rates vary across lenders, starting from around 7.10% and going up to nearly 12%.
Home Loan Rate Comparison In April 2026: Buying one’s own house or flat is culturally linked to financial success in India. There is a growing appetite among Indian consumers to own a home even at an early stage of career, with individuals and families actively looking to invest in residential properties. Home loans, thanks to their affordability, availability, and flexibility, have become a popular and important tool for consumers to fulfil their aspiration of owning a house or flat.
A major factor that needs to be considered in a home loan is interest rate. Different lenders offer different interest rates on home loans depending on amount and maturity, credit score, and RBI’s repo rate.
| Name of Lender | Interest Rates (p.a.) | |
| State Bank of India | 7.25% – 8.70% | |
| HDFC Bank | 7.20% onwards | |
| ICICI Bank | 7.45% onwards | |
| Axis Bank | 8.00% – 11.90% | |
| Bank of India | 7.10% – 10.00% | |
| Canara Bank | 7.15% – 10.00% | |
| Punjab National Bank | 7.20% – 9.10% | |
| IDBI Bank | 7.35% onwards | |
| Federal Bank | 7.30% – 9.75% | |
| Bajaj Housing Finance | 7.15% onwards | |
(Source Paisabazaar.com)
April 12, 2026, 3:42 PM IST
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