Home Loan Interest Rates in India: Comprehensive Guide by Vizzve Financials
When it comes to financing your dream home, choosing the right home loan with the best interest rate is critical. Vizzve Financials not only offers competitive home loan interest rates but also provides a detailed comparison of rates from leading banks and NBFCs in India.
This guide covers everything you need to know about home loan interest rates and the best options available.
What Affects Home Loan Interest Rates?
Home loan interest rates depend on several factors, such as:
- 1.Applicant’s Credit Score: A higher credit score (750+) generally fetches lower interest rates.
- 2.Loan Amount: Larger loans may have slightly different rates based on policies.
- 3.Loan Tenure: Interest rates may vary for short-term vs. long-term loans.
- 4.Type of Interest Rate: Fixed or floating interest rates affect the EMI differently.
Benefits of Choosing Vizzve Financials for Home Loans
At Vizzve Financials, we simplify the home loan process:
- Competitive Rates: Starting at just 8.30% per annum.
- Expert Consultation: Personalized advice to choose the best plan.
- Flexible Repayment Tenure: Options ranging from 5 to 30 years.
- Transparent Processing: No hidden charges or surprises.
Current Home Loan Interest Rates in India
Here is the list of banks and NBFCs offering home loans with their respective interest rates (as of January 2025):
| Lender | Interest Rate (per annum) | Processing Fee |
|---|---|---|
| State Bank of India (SBI) | 8.50% - 9.05% | 0.35% of the loan amount |
| HDFC Bank | 8.40% - 8.90% | ₹3,000 - ₹5,000 |
| ICICI Bank | 8.50% - 9.10% | ₹3,500 or 0.50% of the loan |
| Axis Bank | 8.55% - 9.15% | ₹10,000 or up to 1% of the loan |
| Punjab National Bank (PNB) | 8.45% - 8.95% | 0.35% of the loan amount |
| Kotak Mahindra Bank | 8.40% - 8.70% | ₹3,000 - ₹6,000 |
| LIC Housing Finance | 8.65% - 9.25% | 0.25% of the loan amount |
| Bajaj Finserv (NBFC) | 8.75% - 9.50% | 1.00% of the loan amount |
| Tata Capital (NBFC) | 8.85% - 9.75% | ₹5,000 - ₹10,000 |
| Aditya Birla Finance | 8.80% - 9.60% | ₹10,000 |
| Indiabulls Housing Finance | 8.95% - 9.85% | 0.50% of the loan amount |
How Vizzve Financials Can Help You
At Vizzve Financials, we assist you in comparing home loan options and selecting the one that best suits your financial needs. Our dedicated team ensures that you get the lowest interest rates and smooth loan approval.
Why Choose a Home Loan Now?
With interest rates at historic lows, now is the perfect time to invest in real estate. Whether you're a first-time homebuyer or upgrading to a larger property, Vizzve Financials has you covered.
Contact Vizzve Financials
🌐 Website: www.vizzve.com
📞 Customer Care: +91-8449844958
- Home loan interest rates in India
- Best home loan lenders
- Compare home loan interest rates
- Vizzve Financials home loan
- Lowest home loan rates in 2025
- Home loan EMI calculator
- Home loan NBFC vs Bank