Best Home Loans in India — March 2026

6 offers from 17+ lenders. Updated today.

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6 results
Stat

State Bank of India

★ 4.6 (15,670)

Interest Rate

8.4% - 10.15%

Loan Amount

₹500K — ₹1000L

Tenure

60 — 360 months

Processing Fee

0.35%

Check Eligibility
Lowest rates No prepayment penalty Tax benefits
423 applied today
HDFC

HDFC Bank

★ 4.5 (13,450)

Interest Rate

8.35% - 9.65%

Loan Amount

₹300K — ₹1000L

Tenure

12 — 360 months

Processing Fee

0.50%

Check Eligibility
Fast processing Balance transfer Top-up loan
389 applied today
ICIC

ICICI Bank

★ 4.4 (9,870)

Interest Rate

8.4% - 9.85%

Loan Amount

₹500K — ₹500L

Tenure

12 — 360 months

Processing Fee

0.50%

Check Eligibility
Doorstep service Online tracking Insurance bundled
267 applied today
Kota

Kotak Mahindra Bank

★ 4.3 (4,560)

Interest Rate

8.65% - 9.4%

Loan Amount

₹500K — ₹500L

Tenure

12 — 240 months

Processing Fee

0.50%

Check Eligibility
Competitive rates Digital process Overdraft facility
145 applied today
Bank

Bank of Baroda

★ 4.2 (5,670)

Interest Rate

8.4% - 10.65%

Loan Amount

₹200K — ₹1000L

Tenure

36 — 360 months

Processing Fee

0.25%

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Low processing fee Government backed Wide network
178 applied today
Punj

Punjab National Bank

★ 4.1 (4,320)

Interest Rate

8.45% - 10.25%

Loan Amount

₹200K — ₹500L

Tenure

12 — 360 months

Processing Fee

0.35%

Check Eligibility
Special rates for women Government bank Tax benefits
134 applied today

Everything You Need to Know About Home Loans

Home loans in India offer competitive rates starting from 8.35% with tenures up to 30 years. With government incentives and tax benefits, owning a home has never been more accessible.

Tax Benefits on Home Loans

  • Section 80C: Deduction up to ₹1.5 lakh on principal repayment.
  • Section 24: Deduction up to ₹2 lakh on interest paid.
  • Section 80EEA: Additional ₹1.5 lakh for first-time buyers (stamp value up to ₹45 lakh).

Frequently Asked Questions

What is the minimum credit score for a home loan?
Most lenders require a minimum credit score of 650-700 for home loans. However, some NBFCs and fintechs may approve loans with scores as low as 600, albeit at higher interest rates. Check your free credit score on JaldiMoney to know where you stand.
How long does approval take?
Many lenders now offer instant or same-day approval for pre-approved customers. For new applications, approval typically takes 1-7 days depending on the lender and loan type.
Does comparing on JaldiMoney affect my credit score?
No. Comparing offers on JaldiMoney does not trigger a hard inquiry on your credit report. Your score is only affected when you formally apply with a specific lender.
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