Indian Home Loan Interest Rates

Bank Name	Floating Interest rate	Processing Fee	Prepayment Charges	Apply
State Bank Of India	10.50%(special scheme up to 30-9-2012) , than 10.75%	5,000 + service tax (Upto 30lacs), 10,000 + service tax (above 30lacs)	Nil
ICICI Bank	Scheme I :10.50% (Fixed 1 yr) Scheme II : 10.75% (Fixed 2yrs) Scheme III : 10.75% (Fixed 3yrs), then 10.50%	0.50% of loan amount upto 1 crore	N.A
HDFC Ltd	10.50%	0.5% or maximum 10,000+service tax (12.36%)	No prepayment charges shall be payable for partial or full prepayments irrespective of the source
HSBC Bank	10% to 13%	INR 10,000 plus service tax & cess	1% of the loan amount applied for, subject to a minimum of Rs 10000 plus service tax. This fee is payable on application and is not refundable
LIC Housing	Scheme I : 10.40% Scheme II : 10.70% (Fixed for 3 yrs), 11.15% (Fixed for 5 yrs)	Up to 30 lacs : 10,000 + (Service tax) 30 - 50 lacs : 15,000 + (service tax) 50 lacs - 1Cr : 20,000 + (service tax) 1Cr & above : 20,000 + (service tax)	Nil
AXIS Bank	Scheme I : 11.75% (Fixed for 20 yrs) Scheme II : 10.75%	Rs.5515 (Upto 30Lacs), Then 10,000 + Service Tax	2% (For Scheme I) Nil (For Scheme II)
IDBI	10.75% - 11.75% (Upto 25Lacs), Then 11%-12%	Up to 1%of loan amount (Rs 2500 to be collected at login and balance at the time of sanction )	If Balance Transfer then 2% Otherwise Nil
ING Vysya	10.75%	5000 + 12.36% (service tax) (Upto 20Lacs) 5000 + 12.36% (service tax) (Above 20Lacs)	If 25% of outstanding amount is paid every year -No Penalty , otherwise 2% of outstanding amount
Standard Chartered	10.40% (Upto 25Lacs), Then 10.65%	Rs.7500/- + Service tax	NIL
DHFL	11.50%	NIL	If 25% of outstanding amount is paid every year -No Penalty , otherwise 2% of outstanding amount
Citibank	10.50% - 11.25%	0.50%	after 3 yrs no prepayment charges
Deutsche Bank	10.75%	10000 + Service Tax	up to 90% no charges after that 2.5%
India Bulls	10.50% (Upto 25Lacs), Then 10.75%	upto 30lacs - 2,500 + 12.36% (service tax) above 30lacs to 1.5Cr - 5,000 + 12.36%(service tax) Above 1.5Cr - 10,000 + 12.36%(service tax)	NIL
Allahabad Bank	12.50%	0.50% of loan amount, Maximum Rs. 10,000/-	N.A
Bank of Maharastra	10.80% (Upto 25 lacs) then 11%	Nil (Upto 25Lacs) 0.50% (Max Rs 50,000/-) (25lacs & above)	N.A
Central Bank of India	10.50%	0.50 % of loan amount, maximum Rs.20,000/-	N.A
Corporation Bank	10.85% (Upto 25Lacs), then 11.50%	NIL	Upto 30 lacs 0.40% 30-75 lacs : 0.50% 75 lacs & above : 0.60%
Bank of India	10.50%	For loans upto Rs.30 lacs One time @ 0.55% of loan amount min. Rs. 3000/- and max. Rs.10000/- For Loan over Rs.30 Lacs upto Rs.50 lacs � One time flat Rs.15,000/- For Loan over Rs.50 Lacs upto Rs.1.00 crore � One time flat Rs.20,000/-	2.25% of outstanding loan amount.
Union Bank of India	11.50%	0.25% of loan amount subject to a maximum of Rs.15000/- plus service tax as applicable	0.50% of the loan amount subject to maximum of Rs. 15,000
United Bank of India	10.95% (upto 25 lacs) then 12.10%	0.50% of the loan amount	N.A
UCO Bank	12.25% - 12.75%	-	N.A
Bank of Baroda	11.50%	N.A	N.A
Canara Bank	11.75%
Oriental Bank of Commerce	11.40%	NIL	0.5% of the loan amount or maximum Rs.12,500/-
Kotak Bank	11.25%( for Salaried), 11.50%( for Self Employed)	0.25% - 0.5%	2% of Principal Outstanding + 2% on amount prepaid in last 12 months
Dena Bank	10.75% 11.25% (fixed)	N.A	N.A
Punjab National Bank	10.75%
First Blue Home Finance	10.50% (for Salaried / SEP), 11% (For Self Employed) (Upto 25Lacs), Then 10.75% (for Salaried / SEP), 11.25% (For Self Employed)	Salaried - 0.5% or 6000 whichever is less plus doc charges plus taxes (upto 25 lacs), 0.5% or 10000 whichever is less plus doc charges plus taxes (25-75 lacs), 0.5% or 15000 whichever is less plus doc charges plus taxes (above 75 lacs). Self Employed - 0.5% plus doc charges plus taxes.	Nil
Vijaya Bank	11.30%	N.A	N.A
Syndicate Bank	10.75% (Upto 25 Lacs), Then 11.50%	N.A	N.A
Indian Overseas Bank	11.25%	N.A	N.A
Reliance	11.5%	0.75% of loan amount + Service Tax	0.5% of loan amount
Federal Bank	10.73%	2% on the balance outstanding or DP whichever is higher for credit limit above 2 lac	0.50% of the limit sanctioned with a minimum of 1000/-
PNB Housing Finance	10.75%	0.5%	NIL
Development Credit Bank	11.50%	0.5%	If 25% of outstanding amount is paid within 3 years - No Penalty , otherwise 2% of outstanding amount
State Bank of Travancore	11.25%	Nil	2% of the outstanding loan amount
Tata capital Housing Finance ltd	10.75%	0.5 to 1% off the loan amount.	N.A
Dhanalakshmi Bank	12.50% (Uto 25Lacs), then 12.75%	NIL	25% of outstanding loan amount is paid every financial year without charges.
Indian Bank	11%	1) 0.25 % on Loan amount (Non refundable) (to be remitted at the time of submission of application) 2) 0.32 % on Loan amount (at the time of acceptance of sanction)	1) No pre-closure charges, if loan is closed out of own funds. 2) 2% on Balance outstanding or applicable Drawing Limit whichever is higher, if loan is closed by way of take over by another Bank / Financial Institution.