MoneyMust

Home Loan Loans

Benchmark 72 products from 9 lenders. Unbiased interest rate bands and processing fee breakdowns.

MONEYAI
"Current market benchmark for Home Loan loans starts at 7.15%...."
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Showing 12 of 13 products

LIC

LIC HFL Home Loan

LIC

Starting Rate

7.15%

Proc. Fee

1.5%

Max Amount

₹1 Cr

Pros

Quick disbursal
Competitive interest rates

Cons

Requires high credit score
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HDFC Bank

HDFC Home Loan

HDFC Bank

Starting Rate

7.2%

Proc. Fee

1.5%

Max Amount

₹1 Cr

Pros

Quick disbursal
Competitive interest rates

Cons

Requires high credit score
View Details
bajaj-finserv

Bajaj Housing Finance Home Loan

bajaj-finserv

Starting Rate

7.35%

Proc. Fee

1.5%

Max Amount

₹1 Cr

Pros

Quick disbursal
Competitive interest rates

Cons

Requires high credit score
View Details
ICICI Bank

ICICI Bank Home Loan

ICICI Bank

Starting Rate

7.5%

Proc. Fee

1.5%

Max Amount

₹1 Cr

Pros

Quick disbursal
Competitive interest rates

Cons

Requires high credit score
View Details
Axis Bank

Axis Bank Home Loan

Axis Bank

Starting Rate

8%

Proc. Fee

1.5%

Max Amount

₹1 Cr

Pros

Quick disbursal
Competitive interest rates

Cons

Requires high credit score
View Details
SBI

SBI Home Loan

SBI

4.8

"The benchmark for home loans in India. SBI offers some of the lowest rates with absolute transparency, though the application process can be slower than private banks."

Starting Rate

8.4%

Proc. Fee

0.35%

Max Amount

₹10 Cr

Pros

Low interest rates
No hidden charges

Cons

Slow processing time
Stringent documentation
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SBI

SBI Home Loan Balance Transfer

SBI

4.6

"The default choice for refinancing an expensive home loan to a lower rate."

Starting Rate

8.4%

Proc. Fee

0.35%

Max Amount

₹10 Cr

Pros

Among the lowest takeover rates
Zero prepayment penalty

Cons

Documentation heavy takeover process
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HDFC Bank

HDFC Bank Home Loan Balance Transfer

HDFC Bank

4.5

"Best when you want a top-up loan bundled with the balance transfer."

Starting Rate

8.45%

Proc. Fee

0.5%

Max Amount

₹10 Cr

Pros

Top-up loan alongside transfer
Digital takeover tracking

Cons

Fee higher than SBI
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bajaj-finserv

Bajaj Finserv Home Loan

bajaj-finserv

Starting Rate

8.5%

Proc. Fee

1.5%

Max Amount

₹1 Cr

Pros

Quick disbursal
Competitive interest rates

Cons

Requires high credit score
View Details
ICICI Bank

ICICI Bank Home Loan Balance Transfer

ICICI Bank

4.3

"Efficient takeover process for salaried borrowers with strong credit."

Starting Rate

8.5%

Proc. Fee

0.5%

Max Amount

₹5 Cr

Pros

Quick sanction for salaried
Doorstep pickup of documents

Cons

Needs 720+ score for best rate
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HDFC Bank

HDFC Bank Plot Loan

HDFC Bank

4.3

"Convenient when you want plot purchase and construction in one loan."

Starting Rate

8.75%

Proc. Fee

0.5%

Max Amount

₹10 Cr

Pros

Composite loan (plot + construction)
Fast approval on approved layouts

Cons

Only for approved/DTCP layouts
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LIC

LIC Housing Finance Plot Loan

LIC

4.0

"Practical plot loan route for self-employed buyers with informal income."

Starting Rate

8.85%

Proc. Fee

0.5%

Max Amount

₹5 Cr

Pros

Accepts lower credit scores
Flexible income documentation

Cons

Slower processing than banks
View Details

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