Compare home loan interest rates and see your real EMI
Rates from 12 banks, including SBI, HDFC Bank, ICICI Bank, Axis Bank and PNB, side by side. Every number links to the bank's own page, so you always know it is current.
Bank of Maharashtra costs ₹9,29,367 less interest than HDFC Bank over 20 years, about ₹3,872 less every month.
Lowest starting rates this month
From each bank's official website, checked 1 Nov 2026.
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81% of your first year's EMIs is interest
On ₹50 lakh at 8.5% over 20 years. The interest share falls every year, so extra payments in the early years save the most.
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Common questions
Which bank has the lowest home loan interest rate?
Among the banks we checked on 2026-11-01, Bank of Maharashtra advertises the lowest starting rate at 7.25% a year. Your own rate depends on your credit score and income.
What is the EMI on a ₹50 lakh home loan for 20 years?
About ₹39,519 a month at 7.25% and ₹43,391 at 8.5%.
Are these rates guaranteed?
No. They are the starting rates each bank publishes for its best borrowers. Most people are offered a higher rate, so use them to shortlist banks, then ask for a quote.
How often are the rates updated?
An automated check re-reads every bank's official page each week, and each rate shows the date it was checked.