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Confused between two bank offers? Don't just compare EMI. Use this tool to visualize the total interest difference and discover which option is actually cheaper over the long run.
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By choosing Loan A over Loan B, you save ₹37,818in total interest over 20 years.
₹158
₹37,818
A 0.5% rate difference can translate to major long-term savings. Always compare total repayment, not just EMI, and review fees and reset terms before finalizing a lender.
A lower EMI isn't always better. Sometimes a longer tenure reduces monthly payment but significantly increases total interest paid.
Compare major lenders side-by-side using the latest values available in the tool.
Compare interest rate, processing fees, prepayment terms, and total repayment. This gives a more reliable decision than EMI alone.
Detailed side-by-side comparisons of home loan interest rates, processing fees, approval timelines, and hidden charges. Updated for 2026.
Compare State Bank of India and HDFC Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare State Bank of India and ICICI Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare State Bank of India and Axis Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare State Bank of India and Kotak Mahindra Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare State Bank of India and Punjab National Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare State Bank of India and Bank of Baroda home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare State Bank of India and LIC Housing Finance home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare State Bank of India and Bajaj Finserv home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare State Bank of India and IDFC First Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare HDFC Bank and ICICI Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare HDFC Bank and Axis Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare HDFC Bank and Kotak Mahindra Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare HDFC Bank and Punjab National Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare HDFC Bank and Bank of Baroda home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare HDFC Bank and LIC Housing Finance home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare HDFC Bank and Bajaj Finserv home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare HDFC Bank and IDFC First Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare ICICI Bank and Axis Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare ICICI Bank and Kotak Mahindra Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare ICICI Bank and Punjab National Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare ICICI Bank and Bank of Baroda home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare ICICI Bank and LIC Housing Finance home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare ICICI Bank and Bajaj Finserv home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare ICICI Bank and IDFC First Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Axis Bank and Kotak Mahindra Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Axis Bank and Punjab National Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Axis Bank and Bank of Baroda home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Axis Bank and LIC Housing Finance home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Axis Bank and Bajaj Finserv home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Axis Bank and IDFC First Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Kotak Mahindra Bank and Punjab National Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Kotak Mahindra Bank and Bank of Baroda home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Kotak Mahindra Bank and LIC Housing Finance home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Kotak Mahindra Bank and Bajaj Finserv home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Kotak Mahindra Bank and IDFC First Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Punjab National Bank and Bank of Baroda home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Punjab National Bank and LIC Housing Finance home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Punjab National Bank and Bajaj Finserv home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Punjab National Bank and IDFC First Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Bank of Baroda and LIC Housing Finance home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Bank of Baroda and Bajaj Finserv home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Bank of Baroda and IDFC First Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare LIC Housing Finance and Bajaj Finserv home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare LIC Housing Finance and IDFC First Bank home loan rates, eligibility criteria, and real customer approval rates.
View ComparisonCompare Bajaj Finserv and IDFC First Bank home loan rates, eligibility criteria, and real customer approval rates.
View Comparison💡 Pro Tip: PSU banks (SBI, PNB, BOB) typically offer lower long-term rates, while private banks (HDFC, ICICI, Axis) provide faster approvals and digital convenience. Choose based on your priority.
This is the real cost of the loan. Always aim for the lowest total interest, not just the lowest EMI.
Some banks offer low rates but charge high processing fees (up to 1%). Factor this into your decision.
Ensure your loan has zero foreclosure charges so you can pay it off early if you have extra cash.
For home loans, ensure the rate is linked to the Repo Rate for transparency and fairness.