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Compare rates from 21+ lenders side-by-side. Model EMI impact. Save lakhs over your tenure.
Market-low starting from 7.1% p.a.
Current Home Loan Rates
Indicative starting rates — Oct 2026
Rates are indicative. Actual offer depends on credit profile & income.
Live data
Top 6 lenders by starting home loan rate — Oct 2026.
Rates are indicative. Actual offer varies by credit score, LTV, income, and lender policy.
Free tools
Every calculator you need — from EMI to retirement — built for India.
Know your exact monthly repayment and total interest for a home, car or personal loan — before you apply.
Project the long-horizon wealth your monthly investments can build, and see how invested amount and returns add up.
Savings
Estimate FD maturity with compound interest breakdown.
Tax
Compare old vs new regime impact on your take-home pay.
Savings
Track tax-free maturity of 15-year PPF contributions.
Loans
Model affordability and tenure before you apply.
Investing
Plan systematic withdrawals to generate regular income.
Retirement
Calculate the corpus you need to retire comfortably.
The process
From first benchmark to final shortlist, without a single sales call.
See starting rates from 21+ lenders sorted and ranked in one place.
View rate tableEnter your amount, tenure, and rate. See how 0.25% changes total repayment.
Open EMI calculatorPick any two lenders — get rate gap, lifetime saving, fees, and borrower fit.
Compare banksHead-to-head
The most-researched rate comparisons this month.
Bank of Maharashtra
7.1%
Bank of India
7.1%
Rate gap
Level
Bank of Maharashtra
7.1%
Central Bank of India
7.1%
Rate gap
Level
Bank of India
7.1%
Central Bank of India
7.1%
Rate gap
Level
Bank of Maharashtra
7.1%
Canara Bank
7.15%
Rate gap
0.05%
Research library
Plain-English explainers on loans, tax, investing and retirement in India.
Why Fincado
We don't sell loans. We research them. Our only job is to make sure you walk into a bank negotiation with better data than the bank has.
We earn from ads, not loan referrals. Every ranking is based purely on rate data.
Rates are reviewed every month so you never rely on stale benchmarks.
PSU vs private, MCLR vs EBLR, floating vs fixed — we cover the nuances that matter in India.
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Banks, HFCs & NBFCs
On a ₹50L / 20Y example
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Market-low 7.1% available now
Most borrowers never negotiate. The ones who do — and use data to back their ask — consistently get better terms.
