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Compare interest rates, loan amounts, LTV ratio and processing speeds across India's top lenders

State Bank of India Logo
State Bank of India
India's Most Trusted Lender
Public Sector
4.8 / 5
INTEREST RATE
7.25% p.a. onwards
MAX LTV
90%
MAX LOAN
₹20 Cr
PROCESSING
3-5 Working Days
  • Lowest interest rates starting from 7.25% p.a.
  • Fast loan approval within 3-5 working days
  • Flexible repayment tenure up to 30 years
VIEW DETAILS →
HDFC Bank Logo
HDFC Bank
We Understand Your World
Private Sector
4.9 / 5
INTEREST RATE
7.30% p.a. onwards
MAX LTV
90%
MAX LOAN
₹15 Cr
PROCESSING
2-4 Working Days
  • Competitive interest rates starting from 7.30% p.a.
  • Rapid loan approval within 2-4 working days
  • Pre-approved loan offers & instant disbursal
VIEW DETAILS →
Bank of India Logo
Bank of India
Relationship Beyond Banking
Public Sector
4.6 / 5
INTEREST RATE
7.10% p.a. onwards
MAX LTV
85%
MAX LOAN
₹10 Cr
PROCESSING
3-6 Working Days
  • Interest rates starting from 7.10% p.a.
  • Loan approval within 3-6 working days
  • Concessional interest rates for women
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Bank of Baroda Logo
Bank of Baroda
India's International Bank
Public Sector
4.7 / 5
INTEREST RATE
7.20% p.a. onwards
MAX LTV
85%
MAX LOAN
₹10 Cr
PROCESSING
3-7 Working Days
  • Interest rates starting from 7.20% p.a.
  • Fast approval within 3-7 working days
  • Balance transfer option with top-up facility
VIEW DETAILS →
Central Bank of India Logo
Central Bank of India
Central to You Since 1911
Public Sector
4.5 / 5
INTEREST RATE
7.10% p.a. onwards
MAX LTV
75%
MAX LOAN
₹10 Cr
PROCESSING
3-7 Working Days
  • Interest rates starting from 7.10% p.a.
  • Loan approval within 3-7 working days
  • Minimal documentation & hassle-free processing
VIEW DETAILS →
Axis Bank Logo
Axis Bank
Dil Se Open
Private Sector
4.8 / 5
INTEREST RATE
7.30% p.a. onwards
MAX LTV
85%
MAX LOAN
₹10 Cr
PROCESSING
3-7 Working Days
  • Interest rates starting from 7.30% p.a.
  • Quick loan approval within 3-7 working days
  • 12 EMI waivers feature on timely repayments
VIEW DETAILS →
IDBI Bank Logo
IDBI Bank
Banking For All
Private Sector
4.5 / 5
INTEREST RATE
7.35% p.a. onwards
MAX LTV
80%
MAX LOAN
₹10 Cr
PROCESSING
3-5 Working Days
  • Interest rates starting from 7.35% p.a.
  • Loan approval within 3-5 working days
  • Customized loan options for self-employed
VIEW DETAILS →
Bajaj Finserv Logo
Bajaj Finserv
Leading NBFC Financial Partner
NBFC
4.7 / 5
INTEREST RATE
7.25% p.a. onwards
MAX LTV
90%
MAX LOAN
₹15 Cr
PROCESSING
2-3 Working Days
  • Flexible terms with rates from 7.25% p.a.
  • Fast approval within 2-3 working days
  • 100% digital & hassle-free processing
VIEW DETAILS →

Quick Rate Comparison

Compare interest rates & loan features side by side

Bank Sector Interest Rate Max Loan Max LTV Processing Time Rating Action
SBI Logo State Bank of India
Public Sector 7.25% p.a. ₹20 Cr 90% 3-5 Working Days 4.8 / 5 APPLY →
HDFC Logo HDFC Bank
Private Sector 7.30% p.a. ₹15 Cr 90% 2-4 Working Days 4.9 / 5 APPLY →
BOI Logo Bank of India
Public Sector 7.10% p.a. ₹10 Cr 85% 3-6 Working Days 4.6 / 5 APPLY →
BOB Logo Bank of Baroda
Public Sector 7.20% p.a. ₹10 Cr 85% 3-7 Working Days 4.7 / 5 APPLY →
CBI Logo Central Bank of India
Public Sector 7.10% p.a. ₹10 Cr 75% 3-7 Working Days 4.5 / 5 APPLY →
Axis Logo Axis Bank
Private Sector 7.30% p.a. ₹10 Cr 85% 3-7 Working Days 4.8 / 5 APPLY →
IDBI Logo IDBI Bank
Private Sector 7.35% p.a. ₹10 Cr 80% 3-5 Working Days 4.5 / 5 APPLY →
Bajaj Logo Bajaj Finserv
NBFC 7.25% p.a. ₹15 Cr 90% 2-3 Working Days 4.7 / 5 APPLY →

Why Apply For Loans Through Cred Source?

We are an authorized channel partner for India's leading banks. Get expert guidance and hassle-free loan processing at zero extra cost.

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Our dedicated bank desk ensures priority processing — reducing your loan approval time significantly.

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We compare rates across 8+ partner banks and negotiate the lowest ROI for your credit profile.

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Document collection, form filling, legal verification — we handle everything from start to disbursement.

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Frequently Asked Questions

Have questions about bank loan interest rates and approval processes? Find quick answers below.

Currently, Public Sector Banks like Bank of India (7.10% p.a.), Central Bank of India (7.10% p.a.), Bank of Baroda (7.20% p.a.), and State Bank of India (7.25% p.a.) offer some of the lowest home loan interest rates in India. Final rates depend on your CIBIL score, income profile, and loan amount.

Banks offer home loans up to ₹20 Crores or more depending on your net monthly income, existing financial obligations, property valuation, and repayment capacity. Banks usually fund 75% to 90% of the property cost (LTV ratio).

A CIBIL score of 750 or higher is considered ideal for getting quick loan approval and the lowest interest rates. Applicants with scores between 700 and 749 can also get approved, though rates may vary slightly.

Key required documents include: KYC Proof (Aadhaar Card, PAN Card), Income Proof (3-6 months pay slips or 2 years IT Returns with Computation), Bank Statements (last 6 months), and Property Documents (Sale agreement, title deeds, approved construction plan).

Private banks & NBFCs (like HDFC, Axis, Bajaj Finserv) typically process and approve loans within 2 to 4 working days, while Public Sector Banks (SBI, BOI, BOB, CBI) take about 3 to 7 working days.

Floating interest rates are generally 1.0% to 2.5% lower than fixed rates and allow zero prepayment penalty for individual borrowers. Floating rates are ideal when repo rates are stable or expected to decrease.

Yes! Self-employed individuals, business owners, and professionals can apply with 2-3 years of audited financials, ITR, GST returns, and 6-12 months of active business bank account statements.

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