Best Home Loan Interest Rates 2026

Looking for the lowest EMI for your dream home? Interest rates vary significantly between lenders based on your credit score, loan amount, and employment type. Use our comparison table below to find the best home loan interest rates in India for May 2026.

Best Rates Today

As of May 2026, the lowest home loan interest rates start at 8.40% p.a. (SBI & HDFC Bank) for borrowers with CIBIL scores above 750.

Most banks offer a 0.05% - 0.10% concession for women borrowers and salaried individuals.

Bank / NBFC	Interest Rate (p.a.)	Processing Fee	Action
State Bank of India (SBI)	8.40% - 9.15%	0.35% (Min ₹2k, Max ₹10k)	💰 Calculate EMI
HDFC Bank	8.45% - 9.20%	Up to 0.50%	💰 Calculate EMI
ICICI Bank	8.50% - 9.50%	0.50% - 1.00%	💰 Calculate EMI
Axis Bank	8.60% - 9.65%	Up to 1% (Max ₹10k)	💰 Calculate EMI
Kotak Mahindra Bank	8.70% - 9.40%	0.50%	💰 Calculate EMI
LIC Housing Finance	8.50% - 9.00%	10,000 + GST	💰 Calculate EMI

*Rates shown are for floating interest loans. Last updated: May 8, 2026.

About Home Loan Interest Rates

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