| Bank Name |
Interest Rate (p.a.) |
Max. Loan Amount (Approx.) |
Max. Tenure (Years) |
Processing Fees (Approx.) |
Key Eligibility Notes (General) |
| State Bank of India (SBI) |
10.30% – 15.30% |
₹35 Lakh |
7 |
Up to 1.5% + GST (waived for select profiles) |
Min. income ₹15,000, 1 year continuous service/employment. Special offers for salary account holders. |
| HDFC Bank |
10.90% – 24.00% |
₹40 Lakh |
6 |
Up to ₹6,500 |
Min. monthly salary ₹25,000 (may vary by city), salaried individuals, self-employed professionals. |
| ICICI Bank |
10.85% – 16.25% |
₹50 Lakh |
6 |
Up to 2.50% + taxes |
Salaried: Age 20-58, Min. monthly income ₹30,000, min 2 years work experience. Self-employed criteria vary. |
| Axis Bank |
10.49% – 22.00% |
₹40 Lakh |
7 |
Up to 2% + GST |
Salaried (private/public ltd., govt. employees), min. age 21, max 60 at maturity. Min. net monthly income ₹15,000 (Axis customers) / ₹25,000 (others). |
| Kotak Mahindra Bank |
10.99% – 16.99% |
₹35 Lakh |
6 |
Up to 5% + taxes |
Salaried. Min. monthly salary ₹25,000 (Kotak salary a/c holders), ₹30,000 (non-Kotak salary a/c holders). |
| IndusInd Bank |
Starting from 10.49% |
₹50 Lakh (₹5 Lakh online) |
5 |
Up to 3.5% |
Salaried and self-employed. Minimum loan amount ₹30,000. |
| IDFC FIRST Bank |
9.99% – 23.99% |
₹10 Lakh |
5 |
2% of loan amount (incl. GST) |
Salaried & Self-Employed. Age 21-60 years. Min. CIBIL score 730+. |
| Bank of Baroda |
Floating: 10.90%-18.25% Fixed: 11.25%-18.30% |
₹20 Lakh |
7 |
Up to 2% (₹1,000-₹10,000) |
Salaried (govt/PSU/Pvt), Self-employed, Pensioners. Varies by relationship with the bank and employment type. |
| Punjab National Bank (PNB) |
Floating: 10.50% – 16.05% Pensioners: 10.85% |
₹20 Lakh |
7 (Pensioners: 5) |
Up to 1% |
Salaried (defense, govt, corporate), pensioners. Rates vary significantly with CIBIL score and salary account relationship. |
| Bank of India (BOI) |
11.60% – 16.20% |
₹25 Lakh |
7 |
1% (Min ₹2,500, Max ₹15,000) |
Salaried, self-employed, pensioners. Concession for women (0.50%). |
| Union Bank of India |
10.35% – 14.45% |
₹15 Lakh (Women: ₹50 Lakh) |
5 (Women: 7) |
Up to 1% (Max ₹7,500) |
Salaried (govt/tie-up/non-tie-up), non-salaried, women professionals, pensioners. Rates vary by CIBIL score and scheme. |
| Canara Bank |
Floating: 9.95% – 14.95% Fixed: 10.40% – 15.40% |
₹10 Lakh |
7 |
Up to 0.50% (₹1,000-₹5,000) |
Salaried. Rates depend on salary tie-up with the bank and Credit Risk Grade (CIBIL). Pension loans available. |
| Indian Bank |
9.00% – 15.25% |
Up to 20x gross salary (Max ₹50 Lakh) |
7 (Pensioners: 10) |
Up to 1% (Pensioners: NIL up to ₹25,000) |
Salaried, Pensioners, Professionals, Self-employed. Varies by scheme and existing relationship with bank. |
| Bank of Maharashtra |
9.00% – 13.80% |
₹20 Lakh |
7 (Salaried), 5 (Others) |
Up to 1% (Max ₹15,000) |
Salaried (govt/PSU/reputed corporates, others), professionals, business class. Rates highly dependent on CIBIL score and employment category. |
| Central Bank of India |
Starting from 11.75% (varies) |
₹20 Lakh |
5 |
Waived up to 31.03.2025 (NIL for Defence) |
Salaried, self-employed, pensioners. Minimum net take-home pay of 50%. |
