	Filter Interest rate 7–9%39–12%1	Filter Benchmark EBLR1Repo rate linked1Floating rate2 Matches any selected option	Filter Maximum finance ₹25 lakh–₹1 crore1	Filter Maximum tenure Up to 1 year11–5 years15–10 years2Above 10 years1		Filter Eligibility Salaried2Self-employed / business2Senior citizen1NRI2 Matches any selected option	Filter Processing fee Nil / no fee1Percentage-based fee3Flat rupee fee3Fee has a maximum cap3GST / tax additional2 Matches any selected option	Filter Prepayment / closure No penalty / charge1
IB Home EnrichIndian Bank	8.15% to 8.70% p.a. floating for IB Home Enrich in Indian Bank's current personal-segment rate table dated 14 August 2026.	The current IB Home Enrich rate row is labelled floating but does not identify a named benchmark or spread.	₹1 lakh minimum and ₹10 lakh maximum.	Maximum repayment period 10 years. Holiday period lasts until repairs/renovation is complete or three months from disbursement, whichever is earlier holiday-period interest must be serviced monthly.	The page does not state a rupee minimum-income amount. It requires steady income and at least three years of confirmed service/experience after the proposed , NTHP must be at least 40% where annual income is up to ₹15 lakh, or at least 30% and ₹6 lakh annual take-home pay where income is above ₹15 lakh.	Resident individual or owner of a residential dwelling with current title/tax evidence salaried, business, professional, self-employed and pensioner applicants with steady income and at least three years of confirmed service/experience. Entry age 18, maximum entry age 65 and maximum exit age 70.	1% of loan amount, minimum ₹5,000 and maximum ₹15,000 nil for takeover cases under the shared Home Improve/Home Enrich schedule.	Value awaiting review
IB Home ImproveIndian Bank	8.15%–9.55% p.a. floating for IB Home Improve in Indian Bank's current personal-segment rate table dated 14 August 2026.	The IB Home Improve row is labelled floating but the current official table does not identify a named benchmark or spread.	Up to 36 times gross monthly income, subject to a maximum of ₹3 crore (₹300 lakh). Spouse or adult-child income may be included where the page's conditions are met.	Maximum 120 months with no holiday period.	No separate rupee minimum is published. Take-home-pay eligibility is stated to be the same as the applicable Indian Bank Home Loan scheme.	Existing resident or non-resident Indian Bank Home Loan borrowers, including staff, and prospective Home Loan borrowers who are salaried, professional or business class. Take-home-pay rules follow the applicable Home Loan scheme.	1% of the loan amount, minimum ₹5,000 and maximum ₹15,000 under the current Indian Bank personal-segment processing-fee schedule is recovered separately.	Nil prepayment charges.
SBI Repair and Renovation Home LoanState Bank of India	7.25%–8.55% on Home Loan (TL) rate card rates are based on score. The card does not print '% p.a.'. ↓	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.	Up to ₹1 crore	Up to 20 years	Value awaiting review	At least 5 years after first purchase or construction and minimum CIBIL score 650	0.35% of the loan amount minimum ₹5,000 and maximum ₹15,000 for salaried customers, or minimum ₹5,000 and maximum ₹18,000 for non-salaried customers, plus .	No pre-payment penalty

Home improvement loans