Market rates
Market Rates – October 2026
Indicative ranges compiled from publicly listed bank and NBFC rates. Your offer depends on your profile and the lender's policy.
| Loan | Rate p.a. | Processing fee | Tenure |
|---|---|---|---|
| Home Loan Usually 0.25–1% · Up to 30 yrs | 7.15% onwards | Usually 0.25–1% | Up to 30 yrs |
| Loan Against Property Usually 1–3% · Up to 15 yrs | ~9.00%–17.00% | Usually 1–3% | Up to 15 yrs |
| Personal Loan 0.5%–5% · 1–6 yrs | 8.75%–30%+ | 0.5%–5% | 1–6 yrs |
| Business Loan Up to 5% · 1–8 yrs | 9.50%–28%+ | Up to 5% | 1–8 yrs |
| Working Capital Annual renewal fee · 12-month limit | Linked to EBLR/MCLR | Annual renewal fee | 12-month limit |
| Machinery Loan | Quoted per case | — | — |
*Indicative market ranges from publicly listed rates of banks and NBFCs, October 2026. Rates and fees are set by each lender, depend on your credit profile and change often. GST applies on fees. Lenders may levy foreclosure (business loans up to ~4–5% of outstanding; nil for individuals on floating-rate loans), bounce and penal charges. Money World adds no fee. Lender names shown for market reference only and are not necessarily our partners.
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| Type | Processing fee | Foreclosure | Loan amount | Tenure | As of | Source | |||
|---|---|---|---|---|---|---|---|---|---|
| Home Loan | LIC Housing Finance | HFC | 7.15% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | State Bank of India | PSU Bank | 7.25% – 8.70% | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | Bank of India | PSU Bank | 7.35% – 10.25% | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | Canara Bank | PSU Bank | 7.40% – 10.00% | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | Federal Bank | Private Bank | 7.40% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | HDFC Bank | Private Bank | 7.45% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | Bajaj Housing Finance | HFC | 7.45% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | Punjab National Bank | PSU Bank | 7.45% – 9.10% | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | State Bank of India | PSU Bank | 7.50% – 8.80% | Low (not stated) | Nil for individuals (floating) | — | Up to 30 yrs | Oct 2026 | Link |
| Home Loan | Punjab & Sind Bank | PSU Bank | 7.55% – 10.70% | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | Axis Bank | Private Bank | 7.55% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | ICICI Bank | Private Bank | 7.70% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | Tata Capital Housing Finance | HFC | 7.75% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | Godrej Housing Finance | HFC | 7.75% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | IDBI Bank | Private Bank | 7.75% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | IDFC FIRST Bank | Private Bank | 7.80% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | L&T Finance | NBFC | 7.80% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Home Loan | Home First Finance | HFC | 8.00% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Personal Loan | Mahindra Finance | NBFC | 8.00% – 25.00% | 2% or ₹5,000, lower | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Home Loan | Sammaan Capital | HFC | 8.75% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Personal Loan | Bank of Maharashtra | PSU Bank | 8.75% – 13.55% | Up to 1% (max ₹10,000) | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | Union Bank of India | PSU Bank | 8.75% – 12.55% | Up to 1% (max ₹7,500) | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Loan Against Property | Central Bank of India | PSU Bank | 8.90% – 12.25% | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Home Loan | RBL Bank | Private Bank | 9.00% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Loan Against Property | Tata Capital | NBFC | 9.00% – 17.00% | Up to 3% (non-refundable) | Nil for individuals & MSEs (business use); others 4–6% | — | — | 2026 | Link |
| Loan Against Property | PNB Housing Finance | HFC | 9.00% – 15.00% | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Loan Against Property | HDFC Bank | Private Bank | 9.05% – 13.50% | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Loan Against Property | State Bank of India | PSU Bank | 9.20% – 10.75% | — | — | — | — | Oct 2026 | Link |
| Loan Against Property | IDFC FIRST Bank | Private Bank | 9.25% onwards | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Home Loan | ICICI Home Finance | HFC | 9.30% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Business Loan | Kotak Mahindra Bank | Private Bank | 9.50% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Loan Against Property | L&T Finance | NBFC | 9.50% onwards | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Loan Against Property | UCO Bank | PSU Bank | 9.50% – 11.25% | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Loan Against Property | Bank of India | PSU Bank | 9.60% – 11.85% | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Personal Loan | Punjab & Sind Bank | PSU Bank | 9.60% – 13.85% | 0.5–1% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Loan Against Property | LIC Housing Finance | HFC | 9.70% – 12.85% | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Personal Loan | Canara Bank | PSU Bank | 9.70% – 15.15% | Up to 0.5% (max ₹5,000) | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Loan Against Property | Godrej Housing Finance | HFC | 9.75% onwards | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Loan Against Property | Punjab National Bank | PSU Bank | 9.75% – 11.85% | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Personal Loan | HSBC Bank | Foreign Bank | 9.75% onwards | Up to 2% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | Central Bank of India | PSU Bank | 9.85% – 11.65% | Up to 1% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Loan Against Property | Bank of Maharashtra | PSU Bank | 9.95% – 10.95% | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Personal Loan | UCO Bank | PSU Bank | 9.95% – 13.20% | Up to 1% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | Kotak Mahindra Bank | Private Bank | 9.98% onwards | Up to 5% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Business Loan | HDFC Bank (special) | Private Bank | 9.99% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Home Loan | Piramal Capital Housing Finance | HFC | 9.99% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Personal Loan | ICICI Bank | Private Bank | 9.99% – 16.50% | Up to 2% + taxes | 3% of outstanding; nil after 24 EMIs | ₹50,000 – ₹50 L | Up to 6 yrs | Jul–Sep 2026 | Link |
| Personal Loan | Axis Bank | Private Bank | 9.99% onwards | Up to 2% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | HDFC Bank | Private Bank | 9.99% onwards | Up to ₹6,500 | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | IDFC FIRST Bank | Private Bank | 9.99% onwards | Up to 2% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | Poonawalla Fincorp | NBFC | 9.99% onwards | Up to 3% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Business Loan | L&T Finance | NBFC | 10.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Loan Against Property | Federal Bank | Private Bank | 10.00% onwards | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Personal Loan | State Bank of India | PSU Bank | 10.00% onwards | Xpress Credit 1.5% (₹1,000–₹15,000) | — | — | — | 22 Oct 2026 | Link |
| Personal Loan | Bajaj Finance | NBFC | 10.00% – 30.00% | Up to 3.93% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | Cholamandalam | NBFC | 10.00% – 28.00% | 4–6% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | HDB Financial Services | NBFC | 10.00% – 35.00% | Up to 5.90% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | Bank of Baroda | PSU Bank | 10.15% – 18.00% | Up to 2% (max ₹10,000) | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Loan Against Property | Karur Vysya Bank | Private Bank | 10.20% – 13.40% | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Loan Against Property | Union Bank of India | PSU Bank | 10.20% – 12.85% | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Personal Loan | Punjab National Bank | PSU Bank | 10.25% – 16.80% | Up to 1% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | Indian Overseas Bank | PSU Bank | 10.25% onwards | Up to 0.75% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Loan Against Property | Bank of Baroda | PSU Bank | 10.35% – 18.25% | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Personal Loan | IndusInd Bank | Private Bank | 10.35% onwards | Up to 3.5% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Home Loan | India Shelter Home Loan | HFC | 10.50% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Loan Against Property | Axis Bank | Private Bank | 10.50% – 10.95% | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Loan Against Property | ICICI Bank | Private Bank | 10.60% – 12.25% | Not stated | — | Slabs up to / above ₹1 Cr | — | Valid till 30 Sep 2026 | Link |
| Business Loan | HDFC Bank | Private Bank | 10.75% – 22.50% | Up to 2% | Charges apply after lock-in; part-pay up to 25% once | — | — | 2026 (page undated) | Link |
| Business Loan | Federal Bank | Private Bank | 10.85% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Personal Loan | Bank of India | PSU Bank | 10.85% – 16.15% | Up to 1% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | Aditya Birla Finance | NBFC | 10.99% onwards | Up to 4% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | Tata Capital | NBFC | 10.99% onwards | Up to 3.5% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | L&T Finance | NBFC | 11.00% onwards | Up to 3% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | Shriram Finance | NBFC | 11.00% onwards | Up to 5% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Business Loan | Slice Small Finance Bank | SFB | 11.10% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Home Loan | Shubham Housing Finance | HFC | 11.75% onwards | Usually 0.25–1% | Nil for individuals on floating rate (RBI) | — | Up to 30 yrs | 13 Oct 2026 | Link |
| Business Loan | FlexiLoans | NBFC / Fintech | 12.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | Godrej Capital | NBFC | 12.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | KreditBee | NBFC / Fintech | 12.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | Tata Capital | NBFC | 12.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Personal Loan | IIFL Finance | NBFC | 12.00% – 28.00% | 2–9% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | Federal Bank | Private Bank | 12.00% – 22.50% | Up to 2% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Personal Loan | Piramal Finance | NBFC | 12.14% onwards | Up to 5% | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Business Loan | HDB Financial Services | NBFC | 13.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | IDFC FIRST Bank | Private Bank | 13.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Loan Against Property | SMFG India Credit | NBFC | 13.00% onwards | Usually 1–2% | — | — | Up to 15 yrs | 24 Jun 2025 (older – verify) | Link |
| Business Loan | LendingKart | NBFC / Fintech | 13.50% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | Bajaj Finance | NBFC | 14.00% – 23.50% | Up to 4.72% incl. GST | Up to 4.72% of outstanding (term loan) | ₹2 L – ₹80 L | 12–96 months | 2026 | Link |
| Business Loan | Aditya Birla Capital | NBFC | 14.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | Axis Bank | Private Bank | 14.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | ICICI Bank | Private Bank | 14.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Personal Loan | Moneyview | NBFC / Fintech | 14.00% onwards | 2% onwards | — | — | 1–5 yrs typical | 27 Apr 2026 | Link |
| Business Loan | Poonawalla Fincorp | NBFC | 15.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | IndusInd Bank | Private Bank | 15.99% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | Indifi | NBFC / Fintech | 18.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | Hero Fincorp | NBFC | 19.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | NeoGrowth | NBFC | 19.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | Kinara Capital | NBFC | 24.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | Protium | NBFC | 26.00% onwards | Up to 5% (market) | Up to 4% (market) | Up to ₹1 Cr | — | 15 Oct 2026 | Link |
| Business Loan | IIFL Finance | NBFC | Up to 28.00% | Up to 5% (market) | — | — | — | 15 Oct 2026 | Link |
Market rates compiled from public lender information. Lender names are for reference and do not imply a partnership unless marked 'Partner'.
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