Home Loans
Explore India's largest collection of unbiased home loan reviews. All home loan reviews are unpaid and the rating provided by us is completely objective. Compare the pros, cons, special features and various fees associated with home loans.
Canara Bank Housing Loan
Interest Rate
From 8.5 to 11.25 depending on the cibil score of the applicant.
Maximum Loan Tenure
Up to 30 years or up to 75 years of age of the borrower, whichever is earlier.
Maximum Loan Amount
No upper limit.
Fixed / Floating
Floating rate.
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Union Home
Interest Rate
8.5% to 10.75%
Maximum Loan Tenure
30 years for purchase, however, for repair or renovation of residential unit is 15 years
Maximum Loan Amount
No upper limit for home purchase.
Fixed / Floating
Floating.
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Union Awas
Interest Rate
8.5% to 10.75%
Maximum Loan Tenure
30 years for purchase, however, for repair or renovation of residential unit is 15 years
Maximum Loan Amount
For purchase/construction, maximum loan amount up to INR 20 Lakhs for semi-urban areas and up to INR 15 Lakhs for rural areas.
For repairs/improvement, maximum loan amount up to INR 10 Lakhs for semi-urban areas and INR 5 Lakhs rural areas.
Fixed / Floating
Floating.
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Union Roof Top Solar
Interest Rate
9.30% to 9.80%
Maximum Loan Tenure
The maximum quantum of loan per individual is 75% of Project Cost (as per MNRE approved dealer) or INR 10.00 lakh whichever is lower subject to repayment capacity of borrower.
Maximum Loan Amount
Maximum repayment period for the loan is 10 years, including a moratorium of not exceeding 3 months
Fixed / Floating
Floating
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Kotak Home Loan
Interest Rate
Salaried: Beginning from 8.70%
Self-employed: Beginning from 8.75%
Maximum Loan Tenure
25 years.
Maximum Loan Amount
No upper limit.
Fixed / Floating
Floating
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LIC Home Loan
Interest Rate
8.9%
LIC Housing Prime Lending Rate: 15.95%
Maximum Loan Tenure
For Salaried: upto 30 years
For self-employement: 25 years
Maximum Loan Amount
15 crore
Fixed / Floating
both
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Piramal Capital and Housing Finance Limited
Interest Rate
11%
Retail Prime Lending Rate (RPLR) 19.92% p.a (effective September 1, 2022)
Maximum Loan Tenure
30 years
Maximum Loan Amount
5 crore
Fixed / Floating
Adjustable / Floating Rate Loan: PLR 20.50% p.a. (effective January 06, 2023)
Fixed Rate Loan: 10-24% p.a
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Punjab National Bank Housing Finance(PNBHFL)
Interest Rate
50% per annum for salaried & 8.55% self-employed individuals.
Maximum Loan Tenure
30 years
Maximum Loan Amount
2 crore
Fixed / Floating
Floating
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Home Loan
Interest Rate
Home Loan to Self Employed Customers starting at 8.75%* rate of interest.
Salaried Applicants: Interest rates 8.60% onwards.
Maximum Loan Tenure
25 years
Maximum Loan Amount
7.5 crore
Fixed / Floating
Floating
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Kotak Mahindra Bank Home Renovation Loan
Interest Rate
Salaried individuals: 8.49 % to 9.00 %
Self-employed individuals: 8.55 % to 9.10 %
Maximum Loan Tenure
15 Years
Maximum Loan Amount
No cap.
Fixed / Floating
Floating
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Kotak Mahindra Bank Home Loan
Interest Rate
Salaried individuals: 8.75 % to 9.35 %
Self-employed individuals: 8.80 % to 9.60 %
Maximum Loan Tenure
20
Maximum Loan Amount
No cap.
Fixed / Floating
Floating
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Kotak Mahindra Bank Bank Transfer Home Loan
Interest Rate
Salaried individuals: 8.75 % to 9.35 %
Self-employed individuals: 8.80 % to 9.60 %
Maximum Loan Tenure
20
Maximum Loan Amount
No cap.
Fixed / Floating
Floating
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Credit Risk Guarantee Fund Scheme For Low Income Housing
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
25 years
Rs. 8 lakhs
Cashback Rate
Not specified
Canara Bank Housing Loan
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
Up to 30 years or up to 75 years of age of the borrower, whichever is earlier.
No upper limit.
Cashback Rate
From 8.5 to 11.25 depending on the cibil score of the applicant.
Union Home
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
30 years for purchase, however, for repair or renovation of residential unit is 15 years
No upper limit for home purchase.
Cashback Rate
8.5% to 10.75%
Union Awas
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
30 years for purchase, however, for repair or renovation of residential unit is 15 years
For purchase/construction, maximum loan amount up to INR 20 Lakhs for semi-urban areas and up to INR 15 Lakhs for rural areas.
For repairs/improvement, maximum loan amount up to INR 10 Lakhs for semi-urban areas and INR 5 Lakhs rural areas.
Cashback Rate
8.5% to 10.75%
Union Roof Top Solar
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
The maximum quantum of loan per individual is 75% of Project Cost (as per MNRE approved dealer) or INR 10.00 lakh whichever is lower subject to repayment capacity of borrower.
Maximum repayment period for the loan is 10 years, including a moratorium of not exceeding 3 months
Cashback Rate
9.30% to 9.80%
Kotak Home Loan
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
25 years.
No upper limit.
Cashback Rate
Salaried: Beginning from 8.70%
Self-employed: Beginning from 8.75%
Bajaj Housing Finance Limited Home Loan
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
40 years.
15 crore
Cashback Rate
Starting from 8.50%
LIC Home Loan
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
For Salaried: upto 30 years
For self-employement: 25 years
15 crore
Cashback Rate
8.9%
LIC Housing Prime Lending Rate: 15.95%
ICICI Home Finance
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
25 years
75 lakh
Cashback Rate
9.20% onwards
Piramal Capital and Housing Finance Limited
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
30 years
5 crore
Cashback Rate
11%
Retail Prime Lending Rate (RPLR) 19.92% p.a (effective September 1, 2022)
Punjab National Bank Housing Finance(PNBHFL)
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
30 years
2 crore
Cashback Rate
50% per annum for salaried & 8.55% self-employed individuals.
Indiabulls Home loans
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
30 years
5 crore
Cashback Rate
8.75% onwards
Bajaj Finserv Home Loan
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
30 years
10 crore
Cashback Rate
8.70% onwards
Housing Loans to Individual (IHL)
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
30 years
10 crore
Cashback Rate
Prevaling card rate
Apna Ghar Yojana (Individual Housing Loan)
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
30 years
3 crore
Cashback Rate
Variable rate: 8.45%
Home Loan
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
25 years
7.5 crore
Cashback Rate
Home Loan to Self Employed Customers starting at 8.75%* rate of interest.
Salaried Applicants: Interest rates 8.60% onwards.
Kotak Mahindra Bank Home Renovation Loan
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
15 Years
No cap.
Cashback Rate
Salaried individuals: 8.49 % to 9.00 %
Self-employed individuals: 8.55 % to 9.10 %
Kotak Mahindra Bank Home Loan
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
20
No cap.
Cashback Rate
Salaried individuals: 8.75 % to 9.35 %
Self-employed individuals: 8.80 % to 9.60 %
Kotak Mahindra Bank Bank Transfer Home Loan
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
20
No cap.
Cashback Rate
Salaried individuals: 8.75 % to 9.35 %
Self-employed individuals: 8.80 % to 9.60 %
Federal Bank House Warming Loan
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Maximum Loan Tenure
Maximum Loan Limit
Interest Rate
Forex Rate
5 Years
Maxium INR 2 Lakhs
Cashback Rate
Home loan interest rate + 2%
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