| 1. SBI (State Bank of India) | 8.40% – 10.15% | Up to 30 yrs | 0.35% (Max ₹10,000) | Lowest rate for salaried borrowers |
| 2. HDFC Ltd | 8.50% – 10.75% | Up to 30 yrs | Up to 0.5% | Flexible tenure & top-up loans |
| 3. ICICI Bank | 8.50% – 10.50% | Up to 30 yrs | Up to 0.5% | Fast digital processing |
| 4. Axis Bank | 8.60% – 10.50% | Up to 30 yrs | ₹10,000 or 0.5% | Custom EMI and step-up options |
| 5. Bank of Baroda | 8.40% – 10.25% | Up to 30 yrs | NIL – 0.50% | Competitive for government employees |
| 6. PNB | 8.50% – 10.60% | Up to 30 yrs | Up to 0.35% | Additional discount for women borrowers |
| 7. Union Bank of India | 8.50% – 10.30% | Up to 30 yrs | Up to 0.5% | Fast approval with good credit score |
| 8. Canara Bank | 8.55% – 10.35% | Up to 30 yrs | NIL – 0.50% | Suitable for low-income borrowers |
| 9. IDFC First Bank | 8.75% – 10.50% | Up to 30 yrs | Up to ₹10,000 | Pre-approved top-up option |
| 10. Kotak Mahindra Bank | 8.60% – 10.25% | Up to 20 yrs | ₹10,000 or 0.5% | Attractive balance transfer option |
| 11. Federal Bank | 8.60% – 10.40% | Up to 30 yrs | Up to 0.5% | Simple documentation |
| 12. IndusInd Bank | 9.00% – 11.25% | Up to 30 yrs | 0.5% | Flexible interest rates |
| 13. Indian Bank | 8.50% – 10.25% | Up to 30 yrs | Up to 0.50% | Lower rates for pensioners |
| 14. UCO Bank | 8.60% – 10.40% | Up to 30 yrs | 0.25% – 0.5% | Suitable for government salaried |
| 15. Central Bank of India | 8.50% – 10.25% | Up to 30 yrs | Up to 0.5% | Budget-friendly EMI plans |
| 16. Bank of India | 8.55% – 10.30% | Up to 30 yrs | NIL – 0.5% | Free property insurance on select plans |
| 17. LIC Housing Finance | 8.65% – 10.75% | Up to 30 yrs | Up to 0.50% | Ideal for senior citizens |
| 18. Bajaj Housing Finance | 8.50% – 10.25% | Up to 30 yrs | Up to 0.5% | Quick sanction in 24 hours |
| 19. Tata Capital | 9.00% – 11.50% | Up to 30 yrs | Up to 1% | Low-doc loans for self-employed |
| 20. Piramal Housing Finance | 9.25% – 11.75% | Up to 30 yrs | Up to 1% | High loan eligibility |
| 21. PNB Housing Finance | 8.75% – 10.90% | Up to 30 yrs | Up to 1% | Easy transfer of existing loans |
| 22. Aditya Birla Housing | 9.00% – 11.75% | Up to 30 yrs | Up to 1% | Flexible for NRI borrowers |
| 23. IIFL Home Loans | 8.95% – 11.50% | Up to 25 yrs | 1% | Ideal for affordable housing segment |
| 24. India Bulls Housing | 9.00% – 11.50% | Up to 30 yrs | Up to 1% | Fast approval for salaried customers |
| 25. Aavas Financiers | 9.25% – 12.00% | Up to 20 yrs | Up to 1% | Serves rural & semi-urban borrowers |
| 26. Shubham Housing | 10.00% – 14.00% | Up to 20 yrs | Up to 1.5% | Income assessment-based loans |
| 27. Reliance Home Finance | 9.25% – 11.50% | Up to 20 yrs | Up to 1.5% | Suitable for Tier 2/3 cities |
| 28. DHFL (now part of Piramal) | 9.50% – 12.00% | Up to 30 yrs | 1% | Focus on lower-middle segment |
| 29. Hero Housing Finance | 9.25% – 11.75% | Up to 25 yrs | Up to 1% | Digitally enabled process |
| 30. Capri Global Housing | 9.50% – 12.50% | Up to 20 yrs | 1% | Ideal for self-employed and MSMEs |
