Your home loan, ranked across every lender.
Secured against property, up to 30-year tenure & ₹10 Cr. Compare 8 live offers, model your exact EMI, and see your pre-approved limit instantly.
75% cap. Hint: keep LTV ≤ 75% (banks fund 75–90%) — stamp duty & registration (~5–7% of value) aren’t financeable, so budget them as down payment.
Repo-linked — EMI may change as the RBI repo rate moves.
Within your FOIR headroom — this EMI fits a typical income band comfortably.
8 home loan offers
| Lender | Rate (p.a.) | EMI · ₹40.0 L | Fee | Max | |
|---|---|---|---|---|---|
 State Bank of IndiaPre-approved No prepayment charge | 8.40% | 0.35% | ₹10.00 Cr | ||
 Bank of BarodaPre-approved Baroda Konnect loan | 8.40% | 0.5% | ₹10.00 Cr | ||
 HDFC BankPre-approved Instant e-sanction | 8.45% | 0.5% | ₹10.00 Cr | ||
 Kotak MahindraInstant Fully digital | 8.45% | 0.5% | ₹7.00 Cr | ||
 LIC Housing Lowest fee · 0.25% | 8.50% | 0.25% | ₹15.00 Cr | ||
 ICICI BankBalance transfer Top-up available | 8.50% | 0.5% | ₹5.00 Cr | ||
 Axis BankNo foreclosure Nil foreclosure | 8.55% | 0.5% | ₹5.00 Cr | ||
 PNB HousingBalance transfer BT at 8.75% | 8.75% | 0.5% | ₹5.00 Cr |
EMIs shown for ₹40.0 L over 20 years. Rates are indicative, subject to credit assessment, and revised periodically by each lender.
Plan your home loan
Model EMI with property value & LTV.
OpenYour FOIR-based sanction limit, instantly.
OpenSort every offer by rate, EMI or fee.
OpenHow much to fund vs. borrow on your property.
Open₹2L interest (24b) + ₹1.5L principal (80C).
OpenShift to a lower rate and shorten your tenure.
OpenHow to get a home loan
Enter property value and loan amount — see LTV, EMI and tax savings update live.
We rank 8 home-loan lenders by rate, EMI and fees on your numbers.
Upload income & property papers; track sanction to disbursal in one place.
Trusted by homebuyers across India
“The LTV and tax-saving breakdown made the numbers finally make sense. Sanctioned in a week.”
“Ranked every lender on my actual property value. Picked a repo-linked rate with no prepay penalty.”
“Switched lenders and shortened my tenure by three years. The comparison did the hard part.”
Home Loan FAQs
The lowest here is 8.4% p.a. (SBI / Bank of Baroda). Home-loan rates are usually floating and track the RBI repo rate, so your EMI can change over the tenure.