Home Loan Interest Rate of all Banks 2025
Home Loan Interest Rate of all Banks 2025 Fixed vs Floating Rates : Floating rates tend to start a little lower but can vary over time depending on benchmark rates (repo / MCLR etc.). Fixed rates give more stability (predictable EMIs) but are often higher. Credit Score / CIBIL : Better credit often gives better rate brackets. Loan Amount & Tenure : Higher amounts or longer tenures might attract higher spreads or different slabs. Processing Fees / Other Charges : Be careful of upfront charges, legal fees, etc., which add to overall cost. Banks Starting Interest Rate (p.a.) Processing Fees Kotak Mahindra Bank 7.99% p.a. onwards 2% of the loan principal amount + GST (Zero fee for online applications) Union Bank of India 7.45% p.a. onwards 0.50% of the loan amount with a maximum of Rs.15,000 + GST Bank of Baroda 7.45% p.a. onwards Min: Rs.8,500; Max: Rs.25,000 Central Bank of India 7.35% p.a. onwards...