24 lenders with published rates · Updated periodically · No obligation

Compare NRI home loan rates across our full panel

Q: Is the lowest advertised rate what I'll actually get?

Usually not. Advertised 'onwards' rates apply to the strongest credit profiles (typically CIBIL 800+) and specific loan amounts. Your actual rate depends on income, credit score, loan amount, and country of residence.

Every bank and NBFC we work with, in one table — rates, fees, and tenure, grouped by lender type so you can see how public sector, private, international, and housing finance options actually stack up.

All 24

PSU Banks

Private Banks

International Banks

NBFCs / HFCs

⚠ Rates pulled from public disclosures across multiple sources (Sep 2026) — several conflict source to source, which is normal in this market, but means every figure below needs your direct lender confirmation before publishing. Rows marked "Ask advisor" had no reliable public rate found.

Public Sector Banks

Lender	Rate (p.a.)	Processing Fee	Max Tenure	Apply
SBI	7.55% – 8.70%*	0.35%*	30 yrs	Apply Now
Bank of Baroda	7.55% – 9.25%*	0.25%*	30 yrs	Apply Now
Punjab National Bank	7.55% onwards*	Up to 1%*	30 yrs	Apply Now
Union Bank of India	7.55% – 12.65%*	0.50%*	30 yrs	Apply Now

Private Sector Banks

Lender	Rate (p.a.)	Processing Fee	Max Tenure	Apply
HDFC Bank	7.90% onwards*	0.50%*	30 yrs	Apply Now
ICICI Bank	7.65% onwards*	Ask advisor*	30 yrs	Apply Now
Axis Bank	8.00% – 9.10%*	Up to 1%*	30 yrs	Apply Now
Kotak Mahindra Bank	7.60% onwards*	Up to 2%*	30 yrs	Apply Now
Federal Bank	7.55% – 10.75%*	Ask advisor*	30 yrs	Apply Now
RBL Bank	9.25% – 11.50%*	1%*	25 yrs	Apply Now
IDFC FIRST Bank	8.75% onwards*	Up to 3%*	30 yrs	Apply Now
Yes Bank	9.40% – 10.25%*	2%*	35 yrs	Apply Now
Karnataka Bank	7.55% – 11.72%*	0.25%*	30 yrs	Apply Now

International Banks

Lender	Rate (p.a.)	Processing Fee	Max Tenure	Apply
HSBC	7.70% – 12.50%*	1% or ₹10,000*	25 yrs	Apply Now

NBFCs / Housing Finance Companies

Lender	Rate (p.a.)	Processing Fee	Max Tenure	Apply
PNB Housing Finance	7.55% onwards*	Up to 0.25%*	30 yrs	Apply Now
Bajaj Housing Finance	7.55% onwards*	Ask advisor*	32 yrs	Apply Now
LIC Housing Finance	7.55% onwards*	0.25%*	30 yrs	Apply Now
ICICI Home Finance	7.55% onwards*	0.25% – 0.50%*	30 yrs	Apply Now
Godrej Housing Finance	7.65% onwards*	Up to 3%*	30 yrs	Apply Now
Aditya Birla Housing Finance	7.75% onwards*	Up to 1%*	30 yrs	Apply Now
Tata Capital Housing Finance	8.80% onwards*	Up to 2%*	30 yrs	Apply Now
Shriram Housing Finance	8.41% onwards*	0.50%*	30 yrs	Apply Now
Sammaan Capital	8.75% onwards*	Up to 1%*	30 yrs	Apply Now
L&T Finance / Housing	8.75% – 12.50%*	1%*	25 yrs	Apply Now

*Rates and fees shown are indicative, sourced from public lender/aggregator disclosures as of September 2026, and typically apply to the strongest credit profiles at specific loan amounts. Figures vary by source and change frequently — always confirm directly with the lender before quoting to a client or publishing live. 7 panel lenders with no reliable public rate at time of writing (IndusInd Bank, Standard Chartered, DBS Bank, Aavas Financiers, Poonawalla Housing Finance, Muthoot Housing Finance, Fedbank Financial Services) are omitted from this table — they remain part of the 31-lender panel and appear on the Our Lenders page.

Why the "lowest rate" isn't always the right answer

The lowest advertised rate usually applies to a narrow slice of applicants — high credit score, specific loan amount, salaried resident-style documentation. As NRIs ourselves in this business, we match your actual profile — income type, country, credit history — against which of these lenders is realistically likely to approve you at a competitive rate, not just which one has the lowest number on their homepage.

FAQ

Common questions on comparing lenders

Why do rates differ between banks and NBFCs for the same loan? +

Banks generally borrow at lower cost and pass on lower starting rates, especially PSU banks. NBFCs and HFCs often price slightly higher but compensate with more flexible income documentation, useful for NRIs with non-standard payslip formats.

Is the lowest advertised rate what I'll actually get? +

Usually not. Advertised "onwards" rates apply to the strongest credit profiles (typically CIBIL 800+) and specific loan amounts. Your actual rate depends on income, credit score, loan amount, and country of residence.

Should I choose the lowest rate or the lowest processing fee? +

Neither in isolation — compare total cost over your expected holding period, including processing fees, prepayment charges, and how quickly the lender can process an NRI file remotely.

Not sure which lender fits your profile?

Tell us your income, country, and loan amount — we'll match you to the right lender on this panel.