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Loan Information

Loan Calculator

The results of this loan payment calculator are for comparison purposes only. They will be a close approximation of actual loan repayments if available at the terms entered, from a financial institution. This is being provided for you to plan your next loan application. To use, enter values for the Loan Amount, Number of Months for Loan, and the Interest Rate (e.g. 7.25), and click the Calculate button. Clicking the Reset button will clear entered values.

Calculator Form

Loan Information

Buying your first home can seem intimidating, especially when faced with many different loan types. Don't worry. Use this list to compare and narrow down the choices to know which is the best.

Bank Name Floating Interest rate Per lac EMI Processing Fee Prepayment Charges % Change in last 6 mths
SBI - State Bank Of India 9.85% (For Women), 9.90% (For Others) Rs.955 (For Women), Rs.958 (For Others) Up to 25 lacs : 0.25% of loan amount minimum Rs.1000/-
25-75 lacs : Rs.3,250/-
75 & above : 5,000/-
Nil 1.45%
ICICI Bank 9.85% (For Female), 9.90% (For Others) Rs.955 (For Female), Rs.958 (For Others) 0.50% of loan amount upto 1 crore N.A 1.44%
HDFC Ltd TruFixed Plus Loan: 9.95% - 10.45% (Fixed for 2-3yrs)
10.05% - 10.55% (Fixed for 10yrs)
else 9.90% - 10.40%
TruFixed Plus Loan: Rs.961 - Rs.995 (Fixed for 2-3yrs)
Rs.968 - Rs.1001 (Fixed for 10yrs)
else Rs.958 - Rs.992
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 1.98%
HSBC Bank 9.95% - 10.15%(for Salaried)
10.10% - 10.30% (for SelfEmployed)
Rs.962 - Rs.975 (for Salaried)
Rs.972 - Rs.985 (for SelfEmployed)
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 Nil N.A
LIC Housing Scheme 1: Up to 3 cr 9.90( Fixed for 2 years)
Scheme 2: Up to 75 lacs : 10.25% (Fixed for 5 years)
Scheme 3: Above 75 lacs : 10.50%( Fixed for 5 years)
Rs.972 (Fixed for 2 yrs) Up to 50 lacs : 10,000 +(Service tax)
50 lacs & above : 15,000 +(service tax)
No Processing fees for Women (till 31 March 2014)
Nil No Change
AXIS Bank 9.90% - 10.45% Rs.991 (Fixed for 20yrs), else Rs.974 (For Salaried)
Rs.1008 (Fixed for 20 yrs), else Rs.991 (For SelfEmployed)
Upto 1% of the loan amount subject to minimum of Rs.10,000/- Nil 0.49%
IDBI 10% - 10.15% Rs.965 - Rs.975 NIL If Balance Transfer then 2% Otherwise Nil 0.97%
PNB Housing Finance 9.95% (for salaried)
10.50% (For SEMP)
Rs.961 (for salaried)
Rs.998 (For SEMP)
0.5% NIL No Change
Punjab National Bank 10% Rs.965 NIL NIL 2.43%
Standard Chartered 10.10% Rs.971 Rs.5500/- + Service tax NIL 1.55%
Citibank 10.15% - 10.20% Rs.974 - Rs.978 0.25% (For Salaried)
0.5% (For Self Employed)
NIL No Change
Deutsche Bank 10.50% Rs.998 12000 + Service Tax Nil N.A
DHFL 9.90% Rs.958 upto 30 Lacs - Rs. 5000 + Doc Charges + Taxes
above 30 lacs & upto 75 lacs - Rs. 10000 + Doc Charges + Taxes
above 75 lacs - Rs. 20000 + Doc Charges + Taxes
NIL 2.46%
India Bulls 9.90% Rs.958 Below 10lacs: 10,000 + 14%(Service tax)
10 - 25 lacs: 7500 + 14%(Service tax)
Above 25 lacs: 0.50%
NIL 2.46%
Federal Bank 10.20% - 10.35% Rs.978 - Rs.988 0.50% of the limit sanctioned with a minimum of 3,000+ST, maximum of 7,500+ST N.A No Change
Allahabad Bank 10.25% Rs.982 upto 30 lacs: 0.60% of the loan amount subject to max. Rs.12000
30 lacs - 75 lac: 0.45% of the loan amount subject to max. Rs.24000
above 75 lacs - 300 lacs: 0.35% of the loan amount subject to max. Rs.60000
above 300 lacs: 0.25% of the loan amount subject to max. Rs.70000
NIL N.A
Central Bank of India 10.25% Rs.982 0.50% of the loan amount subject to maximum of Rs.20,000/- Nil 2.38%
Corporation Bank 10.25% Rs.982 0.50% of Loan amount (Max.Rs.50,000/-) Nil 2.38%
Bank of India 9.95% Rs.961 0.25% of loan amount Min.Rs.1,000 and Max. Rs.20,000/- Nil 2.45%
Union Bank of India 10% Rs.965 N.A NIL 2.5%
United Bank of India 10% Rs.965 0.50% of the loan amount minimum. Minimum: Rs.1000/-
Maximum: Rs.10,000/-
N.A
UCO Bank 9.95% Rs.961 0.5% of the loan amount, minimum Rs.1500/- & maximum Rs. 15000/- NIL 2.45%
Bank of Baroda 10% Rs.965 0.25% of loan amount Min.Rs.1, 000 and Max. Rs.20,000/- N.A. 2.43%
Canara Bank 10.20% Rs.978 2.51%
Oriental Bank of Commerce 10.25% Rs.982 NIL NIL No Change
Kotak Bank 10.25% Rs.982 0.25% - 0.5% 2% on Balance transfer else NIL 4.65%
Dena Bank 10.25% Rs.982 0.50% of sanctioned limit Nil 0.48%
First Blue Home Finance 10.25% (for Salaried / SEP), 10.75% (For Self Employed) (Upto 25Lacs), Then 10.75% (for Salaried / SEP), 11.25% (For Self Employed) Rs.982 (for Salaried / SEP), Rs.1015 (For Self Employed) Salaried: Up to 30 lacs :7300
30 - 75 lacs : 11800
75 lacs & above : 15,000 + service tax(12.36%)
Nil N.A
Vijaya Bank 10.30% Rs.985 N.A N.A N.A
Syndicate Bank 10.25% Rs.982 upto Rs.25 lacs - 0.125% (Min Rs 500 - Max Rs 2500)
26 lacs to 75 lacs - 0.125% (Max.Rs.3250/-)
above Rs.75 lacs - Rs.5000/-
N.A 2.38%
Indian Overseas Bank 10.25% Rs.982 A flat rate of 0.58% of the loan amount- maximum of Rs. 10,190/- There is no hidden charge. This is subject to change from time to time without prior intimation. N.A N.A
Development Credit Bank 11.50% Rs.1066 1% Nil N.A
State Bank of Travancore 10.25%-10.50% Rs.982 - Rs.998 upto Rs.25,000 - Nil
Rs.25,000 above to Rs.2 lacs - Rs.500/-
Rs.2 lacs above- 0.50% of the loan amount maximum Rs.10000/-
NIL N.A
Bank of Maharastra 10.55% (Upto 25Lacs), Then 10.75% Rs.1001 (Upto 25Lacs), Then Rs.1015 0.25% of the loan amount (subject to maximum of Rs.25000/-) Nil 1.44% (Upto 25Lacs), Then 3.36%
Tata capital Housing Finance ltd 10.15% - 10.60% (Salaried)
10.25% - 11% (SEP/SENP)
Rs.975 - Rs.1005 (Salaried), Rs.982 - Rs.1032 (SEP/SENP) 0.5 to 1% off the loan amount. N.A N.A
Dhanalakshmi Bank 11.50% - 11.75% Rs.1066 - Rs.1084 1% + service tax N.A
Indian Bank 10.25% Rs.982 0.25% of loan amount with a maximum of Rs.20,000 Nil 0.49%