Explore home loan interest rates of the leading banks in India in September 2025. Also, find out how to calculate your house loan interest rate, different types of home loans, how to apply, and the factors that influence your interest rate. Public sector banks’ home loan rates According to data provided by Paisabazaar.com (as of November 6), state-owned lenders like Union Bank of India, Bank of India, Indian Overseas Bank, Central Bank of India and Bank of Maharashtra provide the most affordable house loans, with rates starting at 7.35% per year. Meanwhile, the home loan interest rates of State Bank of India and Punjab National Bank currently start at 7.50%. Further, Canara Bank and UCO Bank offer home loan interest rates ... Compare top home loan rates for November 2025, starting from 7.35% p.a. Find the best offers from leading banks/NBFCs and apply online with ease. Understanding Home Loan Interest Rates A home loan interest rate is the percentage charged by a lender on the amount borrowed to finance the purchase of a home. This rate determines the cost of borrowing and directly impacts on the monthly EMIs (Equated Monthly Installments) that a borrower has to pay. Home loan interest rates in India generally range from 7% to 9% annually, but they can vary depending on factors like the borrower’s credit score, loan amount, tenure, the type of interest ...
