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FinancialCalcIndia

Loan Comparison Tool

Compare loan offers from different banks to find the best rates and terms for your needs.

Loan Parameters
Adjust the parameters below to see loan offers that match your requirements.
₹1 Lac₹1 Cr
1 year30 years
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8 Home Loan Offers

SBI

SBI

(4.6)
1876 reviews
Recommended

Interest Rate

8.78%

Range: 8.40% - 9.15%

Monthly EMI

₹17,706

Total Interest

₹22,49,471

Processing Fee

₹7,000

Details

Special Offers

Additional 0.05% discount for women borrowers

Prepayment Penalty

NIL for floating rate loans

Punjab National Bank

Punjab National Bank

(4.1)
543 reviews

Interest Rate

8.78%

Range: 8.40% - 9.15%

Monthly EMI

₹17,706

Total Interest

₹22,49,471

Processing Fee

₹7,000

Details

Special Offers

Additional 0.05% discount for women borrowers

Prepayment Penalty

NIL for floating rate loans

Bank of Baroda

Bank of Baroda

(4.2)
876 reviews

Interest Rate

8.82%

Range: 8.45% - 9.20%

Monthly EMI

₹17,770

Total Interest

₹22,64,809

Processing Fee

₹8,000

Details

Special Offers

Special rates for government employees

Prepayment Penalty

NIL for floating rate loans

HDFC Bank

HDFC Bank

(4.5)
1245 reviews
Recommended

Interest Rate

8.88%

Range: 8.50% - 9.25%

Monthly EMI

₹17,834

Total Interest

₹22,80,172

Processing Fee

₹10,000

Details

Special Offers

0.05% rate discount for women applicants

Prepayment Penalty

NIL for floating rate loans

IDFC First Bank

IDFC First Bank

(4.4)
654 reviews

Interest Rate

8.88%

Range: 8.50% - 9.25%

Monthly EMI

₹17,834

Total Interest

₹22,80,172

Processing Fee

₹10,000

Details

Special Offers

0.05% rate discount for women applicants

Prepayment Penalty

NIL for floating rate loans

Axis Bank

Axis Bank

(4.3)
987 reviews

Interest Rate

8.93%

Range: 8.55% - 9.30%

Monthly EMI

₹17,898

Total Interest

₹22,95,559

Processing Fee

₹10,000

Details

Special Offers

Rate benefits for high credit score customers

Prepayment Penalty

NIL for floating rate loans

ICICI Bank

ICICI Bank

(4.4)
1089 reviews

Interest Rate

8.97%

Range: 8.60% - 9.35%

Monthly EMI

₹17,962

Total Interest

₹23,10,970

Processing Fee

₹10,000

Details

Special Offers

Rate discount for high credit score customers

Prepayment Penalty

NIL for floating rate loans

Kotak Mahindra Bank

Kotak Mahindra Bank

(4.3)
765 reviews

Interest Rate

9.03%

Range: 8.65% - 9.40%

Monthly EMI

₹18,027

Total Interest

₹23,26,405

Processing Fee

₹10,000

Details

Special Offers

Rate benefits for high credit score customers

Prepayment Penalty

NIL for floating rate loans

How to Choose the Right Loan
Important factors to consider when comparing loan offers

Beyond Interest Rates

While interest rates are important, don't forget to consider these factors:

  • Processing fees and other charges
  • Prepayment penalties and foreclosure charges
  • Loan tenure flexibility
  • Customer service and digital experience
  • Special offers and discounts
  • Loan approval time and documentation requirements

Tips for Better Loan Terms

Here are some strategies to get better loan terms:

  • Maintain a good credit score (750+)
  • Compare multiple lenders before deciding
  • Negotiate with your existing bank for better rates
  • Consider balance transfer options for existing loans
  • Opt for a shorter loan tenure if affordable
  • Make a larger down payment to reduce loan amount

Frequently Asked Questions