Mortgage & Real Estate Reviews

Bank of India appears at or near the top of most 2026 lowest-rate comparison tables, with quotes starting around 7.10% p.a. for well-qualified salaried borrowers -- but its smaller urban footprint means more borrowers should verify local branch service quality before committing.

Canara Bank quotes home loans from roughly 7.15%-7.20% p.a. for top-tier borrowers, with a Rs.18-lakh PMAY-linked interest subsidy scheme and up to 90% loan-to-value, making it a strong PSU alternative to SBI and Bank of Baroda.

Bank of Baroda routinely tops or near-tops comparison tables for the cheapest advertised home loan rate in India, quoted from as low as ~6.85%-7.20% for the strongest profiles, backed by a genuine PSU branch network.

A dedicated housing finance company (distinct from parent-adjacent Punjab National Bank) quoting from roughly 7.50% p.a. for the strongest profiles, with a specific Roshni scheme for informal-income, self-employed borrowers that few bank lenders match.

Kotak Mahindra Bank slots in between the cheapest PSU lenders and the pricier end of the private-bank pack, quoting from roughly 7.70%-8.50% for salaried borrowers, with a genuinely fast digital application flow.

Axis Bank is typically the most expensive of the big-four private lenders on headline home loan rate, quoting from roughly 8.15%-8.45%, and works best as a fallback or relationship-linked option rather than a rate-shopping first stop.

ICICI Bank prices home loans from roughly 7.65%-7.80% for top-tier salaried profiles, with a genuinely fast, largely paperless digital sanction process and automatic rate-transmission benefits when the repo rate moves.

LIC Housing Finance, backed by the LIC brand, consistently quotes among the lowest rates in the market -- roughly 7.10%-7.50% for salaried borrowers -- with strong pricing for women and government-employee borrowers.

Post-merger with HDFC Ltd, HDFC Bank runs India's largest private mortgage book at roughly 7.75%-8.15% for salaried applicants, trading a modestly higher entry rate than PSU banks for faster digital sanctioning.

India's largest lender runs its home loans off the repo-linked SBI RLLR, quoting 7.25%-8.70% for well-qualified salaried borrowers, backed by unmatched branch reach and a Rs.0 processing fee festive-offer cycle that recurs most years.