TitanFin

Top 10 Home Loans - July 2026

Curated picks across Banks, NBFCs, and Small Finance Banks

1

Bank of Maharashtra

Maha 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

min ₹2,950 to max ₹29,500 (incl. GST)

Recommendation

Top Home Loan as of June 2026. Maximum Exit Age is 75. Less Interest Rate for Low Credit Score as well. High Moratorium, suitable for large projects. Best Bet!!

Calculate transfer savings at 7.10% →
2

Bank of India

BOI Star 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

min ₹1,770 to max ₹23,600 (incl. GST)

Recommendation

Low credit score friendly. Very less processing fee. Better than SBI.

Calculate transfer savings at 7.10% →
3

Central Bank of India

Cent Home Loan

Bank
Interest Rate7.10% to 9.75%

Max Loan Amount

No upper limit

Max Tenure

30 years

Max Age

75 years

Processing Fee

min ₹5,900 to max ₹23,600 (incl. GST)

Recommendation

Low interest rates and high moratorium of 48 months. Suitable for large projects. But min credit score is 700

Calculate transfer savings at 7.10% →
4

Indian Overseas Bank

IOB 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

min ₹2,950 to max ₹29,500 (incl. GST)

Recommendation

Best interest rates for best profiles. Choosy approvals but great product.

Calculate transfer savings at 7.10% →
5

Indian Bank

IB HL

Bank
Interest Rate7.15% to 8.55%

Max Loan Amount

No upper limit

Max Tenure

30 years

Max Age

70 years

Processing Fee

min ₹1,770 to max ₹5,900 (incl. GST)

Recommendation

Very competitive interest and very less processing fee. Approval may be challenging but still a great loan product

Calculate transfer savings at 7.15% →
6

LIC Housing Finance

LIC 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

min ₹2,999 (incl. GST) - no maximum limit

Recommendation

Private NBFC. Quicker and easier approval. Low credit scores possible. Best rate in NBFCs for good borrowers.

Calculate transfer savings at 7.15% →
7

State Bank of India

SBI Home Loan

Bank
Interest Rate7.25% to 8.55%

Max Loan Amount

No upper limit

Max Tenure

30 years

Max Age

70 years

Processing Fee

min ₹5,900 to max ₹17,700 (incl. GST)

Recommendation

Biggest bank in India. Very trustworthy. Sanction may not be easy. Higher interest for category

Calculate transfer savings at 7.25% →
8

Bajaj Finance

Bajaj Finance HL

NBFC
Interest Rate7.35% to 9.65%

Max Loan Amount

No upper limit

Max Tenure

32 years

Max Age

67 years

Processing Fee

min ₹2,999 to max ₹99,999 (incl. GST)

Recommendation

Highest tenure in the group. Sanction of all borrower categories. Higher quantum possible. Interest may increase with more loan

Calculate transfer savings at 7.35% →
9

Tamilnadu Grama Bank

TNGB HL

RRB
Interest Rate7.40% to 7.55%

Max Loan Amount

Maximum 1 crore

Max Tenure

30 years

Max Age

60 years

Processing Fee

min ₹354 to max ₹99,999 (incl. GST)

Recommendation

Lower interest rate even for low credit score. Operates mostly in rural areas. Suitable for quantum less than 50 lakhs. Exit age is just 60

Calculate transfer savings at 7.40% →
10

IndusInd Bank

IndusInd HL

Private
Interest Rate7.50% to 9.10%

Max Loan Amount

No upper limit

Max Tenure

30 years

Max Age

70 years

Processing Fee

min ₹2,950 to max ₹99,999 (incl. GST)

Recommendation

Lowest interest in Private banks. Tough sanctions. Low service areas. Last preference

Calculate transfer savings at 7.50% →
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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.