Home Loan
Buy, build or transfer a home loan. Compare published rates, eligibility and documents from SBI Bank, HDFC Bank, ICICI Bank, Aditya Birla Capital (ABFL).
- Interest from
- 7.50%*
- Loans from
- ₹1L
- Tenure up to
- 30 yrs
Compare lenders
Home Loan from India’s leading lenders
Published rates and limits. The bank decides the final rate, amount and fees for each customer.
SBI Bank
Public sector bank
- Interest
- 7.50%* p.a. onwards (w.e.f. 15.10.2026)
- Amount
- Based on income, repayment capacity and property value (RBI LTV limits)
- Tenure
- Up to 30 years
- Processing fee
- Negotiable
- Interest charged on daily reducing balance
- No hidden charges
- No pre-payment penalty
- Interest concession for women borrowers
HDFC Bank
Private sector bank
- Interest
- 8.00% – 13.45% p.a.
- Amount
- Based on income and property value (not published as a fixed limit)
- Tenure
- Up to 30 years
- Processing fee
- Negotiable
- Repo-linked floating rates
- Tenure up to 30 years
- Balance transfer, top-up, renovation and extension loans
- PMAY (U) 2.0 interest subsidy scheme
ICICI Bank
Private sector bank
- Interest
- 8.50% p.a. onwards
- Amount
- Up to ₹10 crore
- Tenure
- Up to 30 years
- Processing fee
- Negotiable
- Loans up to ₹10 crore
- Tenure up to 30 years
- Top-up, step-up, land and pre-approved home loans
- Balance transfer available
Aditya Birla Capital (ABFL)
NBFC · Aditya Birla Group
- Interest
- 7.75% – 20.00% p.a.
- Amount
- ₹5 lakh – ₹25 crore (RBI LTV: 90% up to ₹30 lakh, 80% up to ₹75 lakh, 75% above)
- Tenure
- Up to 30 years
- Processing fee
- Negotiable
- Loans up to ₹25 crore
- Tenure up to 30 years
- No prepayment charges listed under key features (confirm at sanction)
- Products for first-time buyers (Pragati range)
Partner commission
Variable payout, as agreed with each bank or NBFC
Source: Aditya Birla Capital Home Loan*Rates as published on the lenders’ websites on 24 Oct 2026; subject to change. Approval, rate and fees are at the lender’s sole discretion.
Highlights
- Home loans from SBI Bank (7.50%* p.a. onwards), Aditya Birla Capital (ABFL, 7.75%* onwards), HDFC Bank (8.00%* onwards) and ICICI Bank (8.50%* onwards)
- Repayment up to 30 years
- Processing fee: negotiable
- Loans up to ₹25 crore (ABFL) and ₹10 crore (ICICI Bank)
- Balance transfer, top-up, plot and renovation loans available
- Tax benefits under Section 24(b) & 80C (old tax regime)
Who can apply
- Resident Indians (NRI home loans are separate products)
- Age: SBI Bank 18–70 years; ICICI Bank 20–65 (salaried), 21–70 (self-employed); ABFL 21 up to 60 (salaried) / 70 (self-employed) at loan end
- Salaried and self-employed customers with stable, regular income
- Credit score: ICICI Bank asks for 700+ (750+ ideal); SBI Bank and HDFC Bank price by credit score
- Property with clear title and approved plan
Documents
KYC
- PAN card
- Aadhaar card
- Passport-size photographs
Income
- Salary slips & Form 16, or ITR for self-employed
- Bank statements
Property
- Sale agreement / allotment letter
- Title documents chain
- Approved building plan
- Own contribution receipts
Note
- The bank decides the final document list for each customer
For partners
How you earn with this product
- 1
Refer a customer who needs a home loan, in under 2 minutes
- 2
The bank or NBFC checks the customer and decides the loan
- 3
Commission is variable: it depends on the lender and the product, and is credited to your wallet when the loan is disbursed
- 4
Withdraw to your bank account anytime (min ₹100)
Selling tips
- • Target customers paying rent who could own a home with a similar EMI.
- • Customers on an old, higher rate can save through a balance transfer to a repo-linked loan.
- • Under-construction buyers need a bank that has approved the project: check with the builder.
- • RBI caps the loan-to-value ratio, so customers need their own contribution (usually 10–25%).
EMI calculator
Monthly EMI
₹24,266
- Principal
- ₹20,00,000
- Total interest
- ₹9,11,862
- Total payable
- ₹29,11,862
Indicative only. The bank decides the final rate and EMI.