Kotak Mahindra Bank
For resident Indian citizens, Kotak Mahindra Bank offers a variety of personalized home loan programs to choose from. Customers who want to take out a home loan from the bank can take advantage of a variety of benefits, including no processing fees, in-home service, easy documentation, and home loan insurance, among others. Employed persons between 18 and 60 years old, as well as self-employed workers between 18 and 65 years old, who earn a minimum income of 15,000 rupees per month, can apply for a home loan from Kotak Mahindra Bank. To pay your EMI monthly payments based on your mortgage amount, the applicable interest rate is an important factor to consider. So, check out the Kotak Mahindra Bank home loan interest rates, which are valid until November 8, 2021.
Special rate of balance transfer (employees and self-employed)
Segment | Amount of the loan | Effective interest rate |
---|---|---|
Employee | Any loan amount | from 6.50% |
Self employed | Any loan amount | 6.60% from |
Employee – Without balance transfer
Amount of the loan | Effective interest rate |
---|---|
Any loan amount | 6.50% – 7.10% |
Self-employed – No balance transfer
Amount of the loan | Effective interest rate |
---|---|
Any loan amount | 6.65% – 7.25% |

National Bank of India
The country’s largest lender, State Bank of India, currently offers credit score linked home loans with an interest rate starting at 6.70% for a loan amount of up to Rs 30 lakhs. The interest rate is also applicable to cases of loans with balance transfer and SBI has also waived the processing fees and the occupancy interest premium for home loan clients as part of its festive offers. . A borrower can now get a home loan for any amount at as low as 6.70% thanks to the festive incentives. On Rs 75 lakh of the loan amount with a term of 30 years, the deal saves 45 basis points and the bank also offers an interest rate of 6.90% for borrowers with a credit rating of 700-750 and 6.80% for a credit score of 751 -800.

HDFC Bank
For a limited time, HDFC Bank grants a home loan at an interest rate starting at 6.70% for loans up to Rs. 30 lakh for women (professional employees / self-employed) with a credit score of 730 and more under the special housing loan program. The price (s) indicated is in effect from May 03, 2021.
SPECIAL HOME LOAN RATES
Home / HIL / HEL / Refinancing / Field loans | ||
---|---|---|
Up to 30 lakes | Interest rate for employees | Interest rate for self-employed workers |
Women | 6.75 to 7.25 | 6.75 to 7.25 |
Others | 6.80 to 7.30 | 6.80 to 7.30 |
30.01 Lakes – 75 Lakes | % | % |
Women | 7.00 to 7.50 | 7.00 to 7.50 |
Others | 7.05 to 7.55 | 7.05 to 7.55 |
75.01 Lakes and above | % | % |
Women | 7.10 to 7.60 | 7.10 to 7.60 |
Others | 7.15 to 7.65 | 7.15 to 7.65 |
ARHL LOANS ON THE SLAB
Up to 30 lakes | Interest rate for employees | Interest rate for self-employed workers |
---|---|---|
Women | 6.95 to 7.45 | 6.95 to 7.45 |
Others | 7.00 to 7.50 | 7.00 to 7.50 |
30.01 Lakes – 75 Lakes | % | % |
Women | 7.20 to 7.70 | 7.20 to 7.70 |
Others | 7.25 to 7.75 | 7.25 to 7.75 |
75.01 Lakes and above | % | % |
Women | 7.30 to 7.80 | 7.30 to 7.80 |
Others | 7.35 to 7.85 | 7.35 to 7.85 |
TRU FIXED LOANS – 2 YEARS ON THE SLAB
Up to 30 lakes | Interest rate for employees | Interest rate for self-employed workers |
---|---|---|
Women | 7.40 to 7.90 | 7.40 to 7.90 |
Others | 7.45 to 7.95 | 7.45 to 7.95 |
30.01 Lakes – 75 Lakes | % | % |
Women | 7.55 to 8.05 | 7.55 to 8.05 |
Others | 7.60 to 8.10 | 7.60 to 8.10 |
75.01 Lakes and above | % | % |
Women | 7.65 to 8.15 | 7.65 to 8.15 |
Others | 7.70 to 8.20 | 7.70 to 8.20 |
Complementary loans | Applicable interest rate |
---|---|
Top-up loans for existing customers | 7.60 to 8.10 |
Rates applicable to top-up loans with balance transfer | Identical to HL tiles |

Interest rates on mortgage loans from the National Bank of Punjab
The Punjab National Bank also offers an interest rate starting at 6.70% on home loans above Rs 50 lakh. As part of its Festival Bonanza 2021 offer, PNB is offering 0% processing fees / initial fees and documentation fees. PNB has indicated on its website that it offers “full exemption from initial / processing fees and documentation costs (from 01.09.2021 to 31.12.2021)” on home loans and mortgages on real estate (PNB my mortgage). The bank also offers this offer on its car loan, Insta vehicle loan (for the car), its combined PNB loan program, its personal loan, its personal loan to retirees and its gold loan.