Home Loan Comparison Tool · India · April 2026

Compare home loans
from 8 banks.

Enter your income, EMIs, age, tenure and property details. Get instant eligibility calculation using the exact FOIR method that Indian banks use — with correct processing fees and CIBIL adjustments.

7.45%

Lowest rate (Apr 2026)

Partner banks

FOIR

Exact bank formula used

30s

Instant result

Starting Rates · April 2026 ↻ UPDATED

Bank	Rate p.a.	Proc. Fee
Bank of Baroda PSU	7.45%	0.50%
PNB PSU	7.50%	0.25%
LIC Housing Finance PSU	7.50%	0.30%
HDFC Bank PVT	7.75%	0.50%
SBI PSU	8.25%	0.35%
Axis Bank PVT	8.35%	0.50%
ICICI Bank PVT	8.50%	0.50%
Kotak Mahindra PVT	8.70%	0.40%

Income & Obligations

💰 Monthly Income (Net Take-Home)

₹

↩ Existing Monthly EMIs (all loans)

₹

Personal Details

👤 Your Age (years)

yrs

⏱ Loan Tenure 20 yrs

5 yrs 30 yrs

Property & Loan Details

🏠 Property Value ₹60L

₹10L ₹5Cr

🏦 Loan Required ₹45L

₹5L ₹60L

Employment Type

Salaried Govt / Private / MNC

Self-Employed Business / Freelance

CIBIL Credit Score

300–549 Very Poor

550–649 Poor

650–699 Fair

700–749 Good

750–900 Excellent

Exact score:

out of 900 Excellent

📊

Your Profile Summary

What you've entered — reflected in all calculations

LIVE

Monthly Income

₹80,000

Net take-home

Existing EMIs

₹0

All current loans

Age / Tenure

32 yrs / 20 yrs

Retirement cap: 60 yrs

Property Value

₹60L

Market value

Loan Required

₹45L

Desired amount

CIBIL Score

760 — Excellent

Credit band

🧮

Live Eligibility Calculation

Updates as you type · FOIR method · Best available rate

LIVE

Max Eligible Loan

—

Income-based cap (50% FOIR)

Est. Monthly EMI

—

At 7.45% p.a. (best rate)

LTV Ratio

—

Loan ÷ Property Value

Total Interest (est.)

—

Full tenure at best rate

Fixed Obligation-to-Income Ratio (FOIR) —

0% 25% 50% cap 75% 100%

Max EMI capacity (50% of ₹0) —

Minus existing EMIs —

Available for home loan EMI —

Effective tenure (age cap at 60) —

LTV cap (90% of property value) —

⚠ These are indicative figures. Actual bank offers depend on your complete credit profile, employment verification and property appraisal.

📋

Bank Rate & Fee Reference — April 2026

Starting rates before CIBIL and employment adjustments

Bank	Rate	Fee %	FOIR	Min CIBIL
Bank of Baroda PSU	7.45%	0.50% ₹5K–₹20K	50%	650
Punjab National Bank PSU	7.50%	0.25% ₹2K–₹15K	50%	650
LIC Housing Finance PSU	7.50%	0.30% ₹3K–₹15K	55%	660
HDFC Bank PVT	7.75%	0.50% ₹3K–₹25K	55%	700
SBI Home Loan PSU	8.25%	0.35% ₹2K–₹10K	50%	650
Axis Bank PVT	8.35%	0.50% ₹5K–₹25K	50%	700
ICICI Bank PVT	8.50%	0.50% ₹3K–₹30K	55%	700
Kotak Mahindra Bank PVT	8.70%	0.40% ₹5K–₹20K	50%	720

ℹ CIBIL adjustments: Score 750+ = base rate · Score 700–749 = +0.20 to 0.35% · Score 650–699 = +0.40 to 0.50% · Below 650 = higher premium or ineligible. Self-employed add 0.20–0.35% extra.

Documents Checklist

Everything you
need to apply.

Standard documents required by all major Indian banks and HFCs. Keep self-attested copies ready before your branch visit.

Pro Tips

✓ Self-attest every photocopy — sign and date each copy.
✓ Carry originals for verification; banks return them same day.
✓ For joint loans: co-applicant needs a full set too.
✓ Property documents take the longest — start now.
✓ CIBIL 750+ unlocks best rates across all banks.
✓ Clear existing EMIs before applying if FOIR > 45%.
✓ Processing fee is paid upfront — non-refundable if loan rejected.
✓ Add GST @ 18% on top of all processing fees quoted.

Compare home loansfrom 8 banks.

Compare home loans
from 8 banks.