Eligo is India's independent civic information platform for government schemes — not affiliated with any government body.
India's transparent, independent directory for housing credit. Documenting 60 verified home loans from Public Sector Banks, Major Private Banks, and Housing Finance Companies (HFCs). We disclose the critical fine-print: property title approvals, MODT stamp duty charges, pre-EMI vs full-EMI terms, and government PMAY CLSS interest subsidies.
Eligible first-time home buyers in urban areas can receive up to ₹2.67 Lakh upfront interest subsidy directly credited into their loan account, reducing the monthly EMI burden.
Lender:AU Small Finance Bank
Up to ₹2 Crore home loan at 8.90% – 11.00% with Up to 25 years tenure.
Lender:Aadhar Housing Finance Ltd.
Up to ₹30 Lakh home loan at 9.50% – 12.50% with Up to 25 years tenure.
Lender:Aavas Financiers Ltd.
Up to ₹35 Lakh home loan at 9.50% – 12.00% with Up to 25 years tenure.
Lender:Aptus Value Housing Finance India Ltd.
Up to ₹30 Lakh home loan at 9.50% – 12.00% with Up to 20 years tenure.
Lender:Axis Bank Ltd.
Up to ₹35 Lakh home loan at 8.85% – 9.75% with Up to 30 years tenure.
Lender:Axis Bank Ltd.
Up to ₹30 Lakh home loan at 8.70% – 9.45% with Up to 30 years tenure.
Lender:Axis Bank Ltd.
Up to ₹10 Crore home loan at 8.55% – 9.35% with Up to 30 years tenure.
Lender:Bank of India
₹50 Lakh to ₹20 Crore home loan at 8.40% – 9.05% with Up to 30 years tenure.
Lender:Bajaj Housing Finance Ltd.
Up to ₹15 Crore home loan at 8.50% – 9.35% with Up to 32 years tenure.
Lender:Bank of India
Up to ₹10 Crore home loan at 8.45% – 9.30% with Up to 30 years tenure.
Lender:Bank of Maharashtra
Up to ₹10 Crore home loan at 8.40% – 9.20% with Up to 30 years tenure.
Lender:Bank of Baroda (BOB)
₹10 Lakh to ₹10 Crore home loan at 8.60% – 9.40% with Up to 30 years tenure.
Lender:Bank of Baroda (BOB)
Up to ₹5 Crore home loan at 8.40% – 8.90% with Up to 30 years tenure.
Lender:Bank of Baroda (BOB)
Up to ₹20 Crore home loan at 8.40% – 9.20% with Up to 30 years tenure.
Lender:Canara Bank
Up to ₹10 Crore home loan at 8.40% – 9.25% with Up to 30 years tenure.
Lender:Canara Bank
Up to ₹25 Lakh home loan at 8.75% – 9.60% with Up to 10 years tenure.
Lender:Central Bank of India
Up to ₹5 Crore home loan at 8.45% – 9.25% with Up to 30 years tenure.
Lender:Federal Bank
Up to ₹15 Crore home loan at 8.55% – 9.40% with Up to 30 years tenure.
Lender:Godrej Housing Finance
Up to ₹10 Crore home loan at 8.55% – 9.45% with Up to 30 years tenure.
Lender:HDFC Bank Ltd.
Up to ₹50 Crore home loan at 8.50% – 9.40% with Up to 30 years tenure.
Lender:HDFC Bank Ltd.
Up to ₹10 Crore home loan at 8.65% – 9.50% with Up to 30 years tenure.
Lender:HDFC Bank Ltd.
Up to ₹50 Lakh home loan at 9.25% – 11.50% with Up to 20 years tenure.
Lender:Home First Finance Company India Ltd.
Up to ₹40 Lakh home loan at 9.25% – 11.75% with Up to 25 years tenure.
Lender:ICICI Bank Ltd.
Up to ₹2 Crore home loan at 8.65% – 9.50% with Up to 30 years tenure.
Lender:ICICI Bank Ltd.
Up to ₹50 Lakh home loan at 8.75% – 9.75% with Up to 20 years tenure.
Lender:ICICI Bank Ltd.
Up to ₹30 Crore home loan at 8.50% – 9.35% with Up to 30 years tenure.
Lender:IDFC FIRST Bank
Up to ₹10 Crore home loan at 8.55% – 9.50% with Up to 30 years tenure.
Lender:India Shelter Finance Corporation Ltd.
Up to ₹35 Lakh home loan at 9.50% – 12.25% with Up to 20 years tenure.
Lender:Indian Bank
Up to ₹10 Crore home loan at 8.40% – 9.20% with Up to 30 years tenure.
Lender:Indian Overseas Bank (IOB)
Up to ₹10 Crore home loan at 8.45% – 9.30% with Up to 30 years tenure.
Lender:IndusInd Bank
Up to ₹5 Crore home loan at 8.60% – 9.60% with Up to 30 years tenure.
Lender:Kotak Mahindra Bank
Up to ₹10 Crore home loan at 8.50% – 9.25% with Up to 30 years tenure.
Lender:LIC Housing Finance Ltd. (LIC HFL)
Up to ₹5 Crore home loan at 8.50% – 9.40% with Up to 30 years tenure.
Lender:LIC Housing Finance Ltd. (LIC HFL)
Up to ₹2 Crore home loan at 8.50% – 9.25% with Up to 30 years (or age 80) tenure.
Lender:LIC Housing Finance Ltd. (LIC HFL)
Up to ₹15 Crore home loan at 8.40% – 9.25% with Up to 30 years tenure.
Lender:Ministry of Housing and Urban Affairs (MoHUA)
Central interest subsidy of 6.5% on home loans up to ₹6 Lakh for Economically Weaker Section urban households.
Lender:Ministry of Housing and Urban Affairs (MoHUA)
Central interest subsidy of 6.5% on home loans up to ₹6 Lakh for Low Income Group households earning ₹3L–₹6L.
Lender:Ministry of Housing and Urban Affairs (MoHUA)
4% interest subvention on home loans up to ₹9 Lakh for Middle Income Group families earning ₹6L–₹12L.
Lender:Ministry of Housing and Urban Affairs (MoHUA)
3% interest subvention on home loans up to ₹12 Lakh for Middle Income Group families earning ₹12L–₹18L.
Lender:Punjab National Bank (PNB)
₹20 Lakh to ₹5 Crore home loan at 8.50% – 9.30% with Up to 30 years tenure.
Lender:PNB Housing Finance Ltd.
Up to ₹10 Crore home loan at 8.50% – 9.50% with Up to 30 years tenure.
Lender:PNB Housing Finance Ltd.
Up to ₹35 Lakh home loan at 8.75% – 10.25% with Up to 30 years tenure.
Lender:Punjab National Bank (PNB)
Up to ₹10 Crore home loan at 8.45% – 9.30% with Up to 30 years tenure.
Lender:Punjab National Bank (PNB)
₹10 Lakh to ₹5 Crore home loan at 8.65% – 9.45% with Up to 30 years tenure.
Lender:Punjab National Bank (PNB)
Up to ₹5 Crore home loan at 8.40% – 9.00% with Up to 30 years tenure.
Lender:Piramal Capital & Housing Finance
Up to ₹5 Crore home loan at 8.75% – 10.50% with Up to 30 years tenure.
Lender:Punjab & Sind Bank
Up to ₹5 Crore home loan at 8.50% – 9.35% with Up to 30 years tenure.
Lender:RBL Bank Ltd.
Up to ₹5 Crore home loan at 8.65% – 9.65% with Up to 30 years tenure.
Lender:Repco Home Finance Ltd.
Up to ₹2 Crore home loan at 8.75% – 10.50% with Up to 25 years tenure.
Lender:State Bank of India (SBI)
₹20 Lakh to ₹10 Crore home loan at 8.65% – 9.45% with Up to 30 years tenure.
Lender:State Bank of India (SBI)
Up to ₹10 Crore home loan at 8.40% – 9.05% with Up to 30 years tenure.
Lender:State Bank of India (SBI)
Up to ₹15 Crore home loan at 8.75% – 9.65% with Up to 10 years tenure.
Lender:State Bank of India (SBI)
Up to ₹50 Crore home loan at 8.40% – 9.25% with Up to 30 years tenure.
Lender:State Bank of India (SBI)
Up to ₹5 Crore home loan at 8.40% – 8.95% with Up to 30 years tenure.
Lender:State Bank of India (SBI)
Up to ₹20 Lakh home loan at 8.50% – 9.15% with Up to 15 years tenure.
Lender:Shubham Housing Development Finance Co.
Up to ₹30 Lakh home loan at 9.75% – 12.50% with Up to 20 years tenure.
Lender:Tata Capital Housing Finance Ltd.
Up to ₹10 Crore home loan at 8.60% – 9.50% with Up to 30 years tenure.
Lender:UCO Bank
Up to ₹5 Crore home loan at 8.45% – 9.30% with Up to 30 years tenure.
Lender:Union Bank of India
Up to ₹20 Lakh (Rural / Semi-Urban) home loan at 8.40% – 9.10% with Up to 30 years tenure.
Lender:Union Bank of India
Up to ₹10 Crore home loan at 8.40% – 9.25% with Up to 30 years tenure.
Most private banks and housing finance companies advertise low floating interest rates that require pristine CIBIL scores (≥750). Crucially, almost all home loan approvals are strictly conditional on the property having clear municipal approvals, RERA registration, and approved building layout plans. Self-constructed homes in unapproved gram panchayat rural areas or unauthorized urban colonies are routinely rejected or shifted to high-interest NBFC loans (11%–15%). Always ensure clear property title chain (minimum 13–30 years search) before paying non-refundable bank processing fees.