Loan rates, from each bank's own page
Repo-linked lending rates, MCLR and published loan rates, re-read every day. No referral fees.
- Every rate from the bank's own page, with a link to it
- No referral fees, no ads, no “apply now”
- Checked 15 Nov 2026
- 15 banks read so far
Repo-linked lending rates
Floating home loans and most new retail loans are priced from this rate. It moves when the RBI changes the repo rate. Lowest first.
| Bank | Rate | Bank's name for it | How it is made up | Effective from |
|---|---|---|---|---|
| BoB | 8.15% | BRLLR | Repo 5.50% + 2.65% | 8 Oct 2026 |
| SBI | 8.15% | EBLR | Plus CRP and BSP | 15 Oct 2026 |
| Indian | 8.20% | RBLR | Not stated | 8 Oct 2026 |
| Canara | 8.25% | RLLR | Not stated | 9 Oct 2026 |
| Union | 8.25% | EBLR (Repo Rate Linked) | Not stated | 8 Oct 2026 |
| Maharashtra | 8.30% | RLLR | Not stated | Not stated |
| IOB | 8.35% | Repo Linked Lending Rate (RLLR) | Not stated | 8 Oct 2026 |
| PNB | 8.35% | RLLR | Not stated | 8 Oct 2026 |
| Central | 8.50% | RBLR | Repo 5.50% + 3.00% | 9 Oct 2026 |
Lowest published rate by loan
From the 9 banks whose loan rates we read so far. The lowest rate goes to the best-placed borrowers.
| Loan | From | Bank | Banks read |
|---|---|---|---|
| Home loan | 7.25% | Central | 8 |
| Loan against property | 8.90% | BoB | 6 |
| Car loan | 7.70% | Maharashtra | 7 |
| Two-wheeler loan | 9.10% | Central | 6 |
| Gold loan | 8.75% | Central | 3 |
| Education loan | 6.95% | Central | 6 |
| Personal loan | 10.00% | Maharashtra | 7 |
1-year MCLR
Loans taken between 2016 and 2019, and many business loans, reset on the 1-year MCLR.
What would the EMI be?
Starts at the lowest repo-linked rate above. Change it to the rate you are offered.
Prepayments, rate changes and the full schedule →
An estimate on a reducing balance with monthly instalments. It leaves out processing charges and insurance, and a floating rate will change over the loan's life.
How we collect loan rates
From the bank's own pages. Every figure is read from the lending-rate page the bank publishes, and links back to it. Benchmarks are re-read every day.
A published rate is not an offer. Banks set your rate from your credit score, income, the loan amount and the property or vehicle. We show the range the bank publishes; "7.60% onwards" means the bank gave no top figure.
Benchmark plus spread. A floating loan's rate is the bank's benchmark (its repo-linked rate, or MCLR for older loans) plus a spread fixed when you borrow. When the benchmark moves, your rate moves with it at the next reset.
The EMI is worked out on a reducing balance with monthly instalments: EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1), where r is the yearly rate ÷ 12 and n the number of months. It leaves out processing charges and insurance.
No referral fees. We don't take loan applications or get paid by lenders, so the order is the order.
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