Buying a home? Check the latest home loan interest rates in February 2026

home loan

• Home loan rates vary widely across banks and HFCs.
• Compare rates, charges, and terms before choosing a lender.
• Lowest rates apply to top creditworthy applicants only.

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Planning to take a home loan? Banks and housing finance companies across the country provide a wide range of interest rates tailored to different borrower profiles. Since lenders vary in their rates and loan terms, comparing your options carefully is crucial to choosing the most suitable deal.

Here’s a list of the home loan rates currently offered by various financial institutions.

Public Sector Banks

Bank of India's interest rate is between 7.10 per cent and 10.25 per cent.

Bank of Maharashtra's interest rate is between 7.10 per cent and 9.90 per cent.

Central Bank of India's interest rate is between 7.10 per cent and 9.15 per cent.

Indian Overseas Bank's interest rate starts from 7.10 per cent onwards.

Union Bank of India's interest rate is between 7.15 per cent and 9.50 per cent.

UCO Bank's interest rate is between 7.15 per cent and 9.25 per cent.

Indian Bank's interest rate is between 7.15 per cent and 9.55 per cent.

Here is a list curated of home loans offered by public sector banks by Paisabazaar.com:

Private Sector Banks

ICICI Bank's interest rate starts from 7.45 per cent onwards.

HSBC Bank's interest rate starts from 7.45 per cent onwards.

Federal Bank's interest rate is between 7.50 per cent and 9.50 per cent.

Kotak Mahindra Bank's interest rate starts from 7.70 per cent onwards.

HDFC Bank's interest rate starts from 7.75 per cent onwards.

South Indian Bank's interest rate starts from 7.80 per cent onwards.

Tamilnad Mercantile Bank's interest rate is between 7.90 per cent and 9.30 per cent.

Axis Bank's interest rate is between 8.00 per cent and 11.90 per cent.

Here is a list curated of home loans offered by private sector banks by Paisabazaar.com:

Housing Finance Companies (HFCs)

LIC Housing Finance's interest rate starts from 7.15 per cent onwards.

Bajaj Housing Finance's interest rate starts from 7.15 per cent onwards.

ICICI Home Finance's interest rate starts from 7.50 per cent onwards.

PNB Housing Finance's interest rates start at 7.50 per cent.

Tata Capital's interest rate starts from 7.50 per cent onwards.

Godrej Housing Finance's interest rate starts from 7.60 per cent onwards.

Aditya Birla Capital's interest rates start at 7.75 per cent.

Here is a list curated of home loans offered by Housing finance companies by Paisabazaar.com:

What borrowers should compare

The advertised ‘starting from’ rate applies only to the most creditworthy applicants. Before choosing a lender, borrowers should evaluate the actual rate offered after their credit assessment, along with processing charges, and the reset cycle for floating rates.