	Filter Interest rate Below 7%27–9%19–12%2	Filter Benchmark EBLR2RLLR2Repo rate linked1 Matches any selected option	Filter Maximum finance ₹5–₹25 lakh1	Filter Maximum tenure 1–5 years25–10 years2Above 10 years2	Filter Minimum income Above ₹1 lakh3	Filter Eligibility Women2 Matches any selected option	Filter Processing fee Nil / no fee2Percentage-based fee1Flat rupee fee2Fee has a maximum cap1GST / tax additional1 Matches any selected option	Filter Prepayment / closure No penalty / charge1
Bank of Maharashtra PMAY-U 2.0 Home LoanBank of Maharashtra	Underlying Bank of Maharashtra floating housing rates currently span 7.00%-9.65% p.a. eligible 2.0 households receive 4% subsidy on the first ₹8 lakh for up to 12 years.	8.05% with the applicable housing-loan spread subsidy is calculated separately at 4% on the first ₹8 lakh.	Maximum eligible home loan ₹25 lakh maximum house value ₹35 lakh maximum carpet area 120 sq m.	4% subsidy on the first ₹8 lakh for up to 12 years eligibility requires a loan tenure longer than five years. The page does not publish a separate maximum contractual home-loan tenure.	up to ₹3 lakh above ₹3 lakh to ₹6 lakh above ₹6 lakh to ₹9 lakh annual household income. ↓	Value awaiting review	Current standard housing schedule: processing 0.25% of loan amount, maximum ₹25,000 account handling 0.10%, minimum ₹500 and maximum ₹11,000, excluding .	Nil for floating-rate non-business retail loans to individuals.
PNB PMAY-U 2.0 Home LoanPunjab National Bank	Applicable PNB home-loan rate the 2.0 page does not publish a separate . Eligible beneficiaries receive a 4% interest subsidy on the first ₹8 lakh, subject to scheme limits.	PNB is 8.35% effective 8 October 2026. The 2.0 page does not publish a product-specific spread or final borrower rate.	Up to ₹25 lakh, subject to and repayment capacity eligible property value for subsidy is up to ₹35 lakh.	Up to age 70 or 30 years including moratorium, whichever is earlier minimum five years is required to receive the subsidy.	Income ceilings: up to ₹3 lakh annual household income above ₹3 lakh up to ₹6 lakh above ₹6 lakh up to ₹9 lakh.	Value awaiting review	Value awaiting review	Value awaiting review
SBI Aashray Home LoanState Bank of India	Starts at + 10 basis points, based on does not publish a single Aashray all-in rate on this page.	published is 7.90% + + , effective 15 December 2025. Aashray adds 10 basis points based on / are not specified for an individual borrower here.	Up to ₹20 lakh	Value awaiting review	Gross annual household income up to ₹6,00,000.	Resident Indian family must not own a pucca house anywhere in India gross annual household income up to ₹6,00,000 satisfactorily maintained bank account or history for at least 24 months entry age 21–60 first-home purchase/construction with carpet area up to 60 sq m no house allotment under a Central, State, UT or local-government housing scheme in the previous 20 years.	No processing fee	Value awaiting review
SBI PMAY-U 2.0 Home LoanState Bank of India	directs applicants to the live Home Loan card-rate page no separate numeric 2.0 rate is published on this product page. ↓	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Loan up to ₹25 lakh, project cost up to ₹35 lakh and maximum interest subsidy ₹1.80 lakh	Value awaiting review	Gross annual household income up to ₹9 lakh	Value awaiting review	No processing fee up to a loan amount of ₹8 lakh thereafter the regular home-loan fee applies	Value awaiting review

Government-subsidized home loans