Why Choose CityMoney for Home Loans?
CityMoney simplifies your home loan journey by bringing together offers from 10+ leading banks and NBFCs on a single platform. Compare interest rates, processing fees, and EMIs side by side — then apply with minimal paperwork in minutes.
Quick Sanction
Get in-principle approval within 24 hours of document submission.
Lowest Interest Rates
Compare rates from 7.15% p.a. across all top lenders instantly.
Minimal Documentation
Paperless process with digital KYC and e-signature support.
Flexible Tenure
Repay over 5 to 30 years with EMI options that suit your budget.
Expert Advisors
Dedicated loan experts guide you at every step of the process.
Transparent Comparison
No hidden fees — compare all costs including processing charges.
Top Banks for Home Loan – April 2026
Compare interest rates, loan amounts, and fees from leading lenders to find the best deal for you.
State Bank of India Home Loan
Lowest RateInterest Rate
7.25% – 8.45%
Loan Amount
₹5L – ₹40Cr
EMI Per Lakh
₹1,992 – ₹2,049
Processing Fees
Up to 1%
Canara Bank Home Loan
NIL Pre-paymentInterest Rate
7.15% – 10%
Loan Amount
₹10L – ₹50L
EMI Per Lakh
₹1,987 – ₹2,125
Processing Fees
Up to 1%
Punjab National Bank Home Loan
NIL Pre-paymentInterest Rate
7.20% – 10.95%
Loan Amount
₹1L – ₹5Cr
EMI Per Lakh
₹1,990 – ₹2,172
Processing Fees
Up to 1%
Bank of Baroda Home Loan
NIL Pre-paymentInterest Rate
7.45% – 10.2%
Loan Amount
₹10L – ₹10Cr
EMI Per Lakh
₹2,001 – ₹2,135
Processing Fees
Up to 1%
Bank of India Home Loan
Interest Rate
7.10% – 12.65%
Loan Amount
₹5L – ₹7.5Cr
EMI Per Lakh
₹1,985 – ₹2,257
Processing Fees
Up to 1% + GST
HDFC Bank Home Loan
PopularInterest Rate
7.90% – 13.2%
Loan Amount
₹1L – ₹10Cr
EMI Per Lakh
₹2,023 – ₹2,286
Processing Fees
Up to 1.5%
ICICI Bank Home Loan
Quick ApprovalInterest Rate
8.50% – 11.2%
Loan Amount
₹3L – ₹5Cr
EMI Per Lakh
₹2,052 – ₹2,184
Processing Fees
Up to 2%
Axis Bank Home Loan
Interest Rate
8.35% – 14%
Loan Amount
₹1L – ₹5Cr
EMI Per Lakh
₹2,044 – ₹2,327
Processing Fees
Up to 1% or ₹10,000+
Kotak Mahindra Bank Home Loan
Interest Rate
7.70% – 13.3%
Loan Amount
₹10L – ₹10Cr
EMI Per Lakh
₹2,013 – ₹2,291
Processing Fees
Up to 2%
IDFC FIRST Bank Home Loan
Interest Rate
8.85% – 10.5%
Loan Amount
₹1L – ₹10Cr
EMI Per Lakh
₹2,069 – ₹2,149
Processing Fees
Up to 3.5%
LIC Housing Finance Home Loan
NIL Pre-paymentInterest Rate
7.50% – 11%
Loan Amount
₹1L – ₹15Cr
EMI Per Lakh
₹2,004 – ₹2,174
Processing Fees
Up to 1% + GST
Bajaj Housing Finance Home Loan
Fast DisbursalInterest Rate
8.25% – 13%
Loan Amount
₹5L – ₹5Cr
EMI Per Lakh
₹2,040 – ₹2,276
Processing Fees
Up to 2%
Home Loan EMI Calculator
Estimate your monthly instalment before you apply. Adjust sliders to see live results.
Calculate Your EMI
Get an instant estimate — no registration required
₹50,00,000
8.50%
20 Years
Monthly EMI
₹43,391
Principal Amount₹50,00,000
Total Interest Payable₹54,13,840
Total Payment₹1,04,13,840
Frequently Asked Questions
What is the minimum credit score required for a home loan? ▼
Most lenders prefer a CIBIL score of 750 or above for home loan approval at the best rates. Scores between 650–750 may still qualify with some lenders but could attract higher interest rates. CityMoney can match you with lenders based on your actual score.
How much home loan can I get on my salary? ▼
Typically, lenders approve a home loan of 50–60 times your monthly net salary. For example, with a salary of ₹50,000/month you may be eligible for a loan of up to ₹25–30 lakhs. Use our eligibility calculator above for a more personalised estimate.
What is the maximum tenure for a home loan? ▼
Most banks and NBFCs offer home loan tenures of up to 30 years. A longer tenure reduces your EMI but increases the total interest paid. Use the EMI calculator above to find the right balance for your situation.
Can I get a home loan for an under-construction property? ▼
Yes, most banks offer home loans for under-construction properties. The loan is disbursed in tranches as construction progresses. During this period, you typically pay only the interest (pre-EMI) until the full loan amount is disbursed.
What documents are required to apply for a home loan? ▼
Generally you will need: identity proof (Aadhaar/PAN), address proof, last 3 months' salary slips, 6 months' bank statements, Form 16, property documents, and passport-size photographs. Self-employed applicants will also need ITR filings and business proof.
Is there a tax benefit on home loan EMIs? ▼
Yes. Under Section 24(b) of the Income Tax Act, you can claim a deduction of up to ₹2 lakh per year on home loan interest for a self-occupied property. Additionally, under Section 80C, you can claim up to ₹1.5 lakh per year on principal repayment.