Lenders we compare
Home loan banks in Bangalore, compared side by side
Public sector banks, private banks and housing finance companies all lend for Bengaluru homes, and their starting rates often sit within a few basis points of each other. What separates them for you is how they read your income, your CIBIL score and your property papers. Use the board below to shortlist, then read what actually moves your rate.
- banks and NBFCs we work with
- 20+
- lenders on this board
- 9
The lender board
Indicative home loan rates by lender
Sort by starting rate or tenure, filter by lender type and loan size, and tick up to three lenders to see them side by side with an illustrative EMI. Switch to the B Khata view for the lenders on our B Khata desk.
Showing 9 of 9 lenders
Tick up to 3 lenders to compare
- Axis BankPrivate bank
Indicative rate7.2% – 7.8% p.a.
₹10 lakh – ₹10 crore
Max tenure 25 years
- HDFC BankPrivate bank
Indicative rate7.2% – 7.8% p.a.
₹5 lakh – ₹10 crore
Max tenure 30 years
- ICICI BankPrivate bank
Indicative rate7.2% – 7.8% p.a.
₹5 lakh – ₹10 crore
Max tenure 30 years
- Indian BankPublic sector bank
Indicative rate7.2% – 7.8% p.a.
₹5 lakh – ₹10 crore
Max tenure 30 years
- Kotak Mahindra BankPrivate bank
Indicative rate7.2% – 7.8% p.a.
₹10 lakh – ₹10 crore
Max tenure 30 years
- LIC Housing FinanceHousing finance co.
Indicative rate7.2% – 7.8% p.a.
₹5 lakh – ₹10 crore
Max tenure 30 years
- Punjab National BankPublic sector bank
Indicative rate7.2% – 7.8% p.a.
₹5 lakh – ₹10 crore
Max tenure 30 years
- State Bank of IndiaPublic sector bank
Indicative rate7.2% – 7.8% p.a.
₹5 lakh – ₹10 crore
Max tenure 30 years
- Bandhan BankPrivate bank
Indicative rate7.5% – 7.85% p.a.
₹5 lakh – ₹10 crore
Max tenure 30 years
Three lenders are already picked. Untick one to add another.
- Starting rate
- Indicative range
Indicative ranges. Your final rate depends on your income, credit score, property and lender approval. Not an offer of credit. Last reviewed: Awaiting review.
Rates are indicative and change often. They are not an offer or a guarantee. Lenders decide the final rate, loan amount and terms. Housing Loan in Bangalore is a loan advisor, not a lender.
Beyond the rate card
What decides the rate you are actually offered
Two people can walk into the same branch on the same day and leave with different rates. These are the things a credit officer looks at, roughly in the order they matter.
Your CIBIL score
Most lenders price their best rates for the strongest credit scores, and a thin or damaged credit history can mean a higher rate or a smaller loan. Pull your own report before you apply, and dispute any loan or card that is not yours.
Tip: Avoid applying to several lenders yourself in the same month: each one runs a hard enquiry.
How you earn
Salaried borrowers with Form 16 and steady credits are the easiest to assess. Self‑employed borrowers are judged on two or three years of ITRs and bank statements, and some lenders price that profile a little higher.
Tip: If you run a business, file ITRs on time and route income through one bank account.
The property and its papers
A fully approved A Khata flat in a known project is the simplest case. B Khata, older manual records, panchayat properties and resale homes with gaps in the title chain all narrow the list of lenders, and can lower the loan amount.
Tip: Get the sale deed, EC and khata extract checked before you pay a large advance.
How much of the price you borrow (LTV)
Lenders fund only a part of the property value and the rest is your down payment. The maximum share depends on the loan size under RBI norms and on the lender's own policy. A larger down payment lowers the lender's risk and can help your rate.
Tip: Registration and stamp duty are usually not counted in the value a lender funds.
Loan amount, tenure and your age
Tenure is usually capped by your retirement age, so a 45‑year‑old salaried borrower rarely gets the longest tenure on the rate card. Some lenders also price larger loans differently from smaller ones.
Tip: Adding a younger earning co‑applicant can lengthen the tenure and raise eligibility.
Your employer and your bank relationship
Lenders keep their own lists of employer categories, and salary account holders sometimes get faster processing or a better offer from their own bank. It is worth asking, but it is rarely a reason on its own to accept a weaker offer.
Tip: Ask your salary bank for a written offer and compare it with two others.
Bank or HFC?
Bank or housing finance company: which suits your file?
Banks
Public sector and private banks
- Floating rates linked to an external benchmark such as the RBI repo rate, so cuts reach you sooner
- Usually the most competitive for salaried borrowers with clean papers
- Documentation and property norms can be stricter, especially for non‑standard Khata
- A salary or savings relationship can help
Housing finance companies & NBFCs
Regulated, but not banks
- Rates linked to the lender's own benchmark; resets can lag the repo rate
- Often more flexible on self‑employed income and some property types
- Starting rates can be a little higher for the same profile
- Useful when a bank has said no for reasons other than title
Neither type is better by default. B Khata and self‑employed files often suit a housing finance company; salaried borrowers buying A Khata homes often get their best offer from a bank.
Costs to budget for
Home loan processing fees and other charges
The interest rate is the big number, but these charges come out of your pocket before disbursal. Ask for every one of them in writing with the sanction letter.
- Processing fee
- Charged on application or sanction, usually a percentage of the loan or a flat amount, plus GST. Some lenders waive or cap it during offers.
- Legal and technical (valuation) fees
- For the lender's lawyer to check title and its engineer to value the property. These can be higher for B Khata or older properties that need more checks.
- Stamp duty on loan documents
- Karnataka charges stamp duty on the mortgage or loan documents, separate from the duty on your sale deed.
- CERSAI and franking charges
- Small statutory and documentation charges that most lenders pass on.
- Insurance offered with the loan
- Property or loan‑cover insurance is often offered at sanction. Ask whether it is optional, and compare its premium with a plain term policy.
- Conversion or switch fee
- If you later move to a lower rate with the same lender, many charge a fee for the switch. Compare it with the cost of a balance transfer.
What we do for free: eligibility check, lender comparison, file preparation and follow-up until disbursal, with no consultation fee and no file charge. What is not free: the lender's own charges above.
Lender guides
Eligibility, documents and what each lender looks for, with its indicative rates.
Choosing a home loan lender: your questions
Which bank is best for a home loan in Bangalore?
There is no single best bank. For a salaried borrower buying an A Khata flat, the large banks are often hard to beat on rate. For a self‑employed borrower, a B Khata site or a resale house with older papers, a housing finance company may be the lender that actually sanctions. The best lender is the one that approves your file at a fair rate with clear charges, which is why we compare several.
Why do so many lenders show the same rate range?
Advertised ranges cluster because lenders compete on the same benchmark. The rate you are offered inside that range depends on your CIBIL score, income type, loan amount and property. The difference between the bottom and the top of a range is real money over 20 years; try it on our EMI calculator.
What CIBIL score do I need for a home loan?
Each lender sets its own threshold, and it changes with market conditions. A higher score widens your choice of lenders and usually improves the rate; a low score or recent defaults can still be workable with some lenders, at a higher rate. Check your report first so there are no surprises.
Is it safe to take a home loan from a housing finance company?
Housing finance companies are regulated by the RBI and supervised through the National Housing Bank. Your home is the security for the loan whoever the lender is. Compare the rate, the benchmark it is linked to, and the charges before you choose.
Should I apply to several banks at once?
Not on your own. Each formal application can add a hard enquiry to your credit report, and several in a short time can make you look credit‑hungry. We check your profile against lender policies first, then apply only where your file fits.
Can I switch to another lender later if rates fall?
Yes, through a balance transfer, often with a top‑up. On floating‑rate loans to individuals there is no foreclosure charge under RBI rules, but the new lender will charge its own processing and legal fees, so the saving has to be worth it.
Want to see what a rate difference costs you? Try the home loan EMI calculator or read our B Khata home loan guide.
Shortlist in one call
Tell us your profile. We'll tell you which three lenders to approach.
Share your income type, loan amount and property area. We match them against lender policies, including B Khata, E Khata and panchayat properties, and tell you where your file is strongest before anything goes to a bank.
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