Top 10 Home Loans - September 2026

Curated picks across Banks, NBFCs, and Small Finance Banks

1

Bank of India

Bank of India Home Loan

Bank
Interest Rate7.10% to 10.00%

Max Loan Amount

No upper limit

Max Tenure

30 years

Max Age

70 years

Processing Fee (incl. GST)

₹1,770 – ₹23,600

Recommendation

- Lowest interest rate - Home loan for low credit and no credit score - Very less processing fee - BOI Smart HL (OD) Scheme

2

Bank of Maharashtra

Bank of Maharashtra Home Loan

Bank
Interest Rate7.10% to 9.15%

Max Loan Amount

No upper limit

Max Tenure

30 years

Max Age

75 years

Processing Fee (incl. GST)

₹2,950 – ₹29,500

Recommendation

- High Moratorium of 48 months. Good for under construction properties - Max age at 75. Elder borrowers friendly - CIBIL score less than 600 possible and low interest rates

3

Central Bank of India

Central Bank of India Home Loan

Bank
Interest Rate7.10% to 8.75%

Max Loan Amount

No upper limit

Max Tenure

30 years

Max Age

75 years

Processing Fee (incl. GST)

₹5,900 – ₹23,600

Recommendation

- High Moratorium of 48 months - Elder borrowers friendly - Low CIBIL not friendly - min 700 score

4

Indian Overseas Bank

Indian Overseas Bank Home Loan

Bank
Interest Rate7.10% to 8.20%

Max Loan Amount

No upper limit

Max Tenure

30 years

Max Age

70 years

Processing Fee (incl. GST)

₹2,950 – ₹29,500

Recommendation

- Gen Next home loan offers 20% more finance for people under 45 years - High moratoirum of 48 months

5

Indian Bank

Indian Bank Home Loan

Bank
Interest Rate7.15% to 8.55%

Max Loan Amount

No upper limit

Max Tenure

30 years

Max Age

70 years

Processing Fee (incl. GST)

₹1,770 – ₹5,900

Recommendation

- Lowest Processing fee - Competitve interest rate

6

LIC Housing Finance

LIC Housing Finance Home Loan

NBFC
Interest Rate7.15% to 9.50%

Max Loan Amount

No upper limit

Max Tenure

30 years

Max Age

65 years

Processing Fee (incl. GST)

₹2,999 – no limit

Recommendation

- Low CIBIL score friendly - May lend more based on case

7

SBI

SBI HL

Bank
Interest Rate7.25% to 8.55%

Max Loan Amount

No upper limit

Max Tenure

30 years

Max Age

70 years

Processing Fee (incl. GST)

₹5,900 – ₹17,700

Recommendation

- HL Maxgain (OD) Scheme - NRI Schemes

8

Bajaj Finance

Bajaj Finance Home Loan

NBFC
Interest Rate7.35% to 9.65%

Max Loan Amount

No upper limit

Max Tenure

32 years

Max Age

67 years

Processing Fee (incl. GST)

₹2,999 – no limit

Recommendation

- Lower interest rates - Very high repayment tenure 32 years - Best in private - Higher quantum possible

9

Tamilnadu Grama Bank

Tamilnadu Grama Bank Home Loan

RRB
Interest Rate7.40% to 7.55%

Max Loan Amount

Maximum 1 crore

Max Tenure

30 years

Max Age

60 years

Processing Fee (incl. GST)

₹5,900 – no limit

Recommendation

- No cap on proc fee. 0.60% of loan amount. Expensive - Irrespective of CIBIL interest rate is capped at 7.55%. Low CIBIL friendly

10

IndusInd Bank

IndusInd Bank Home Loan

Private
Interest Rate7.50% to 9.10%

Max Loan Amount

No upper limit

Max Tenure

30 years

Max Age

70 years

Processing Fee (incl. GST)

₹2,950 – no limit

Recommendation

- Not at all recommended

Already have a home loan?

Check whether your own bank already offers you a lower rate, then compare what a transfer would actually save you.

Every lender we track

Interest rates by CIBIL band, processing fees, tenure and age limits for each of the major lenders we compare.

Disclaimer

The information presented on this page is for general informational purposes only and does not constitute financial advice, endorsement, or recommendation of any lender, loan product, or financial institution. Interest rates, processing fees, loan amounts, and other terms are indicative, subject to change at the discretion of the respective lenders, and may vary based on individual eligibility, credit profile, and applicable regulations at the time of application. TitanFin does not guarantee the accuracy, completeness, or timeliness of the information provided herein. Borrowers are strongly advised to conduct their own due diligence, consult a qualified financial advisor, and carefully review all terms and conditions of any loan product before making a borrowing decision. Lending decisions are solely at the discretion of the respective financial institutions.