2025–2026 RBI & Tax Compliant
Home Loan Affordability Calculator
Discover the maximum loan amount you qualify for based on your net monthly salary and existing obligations.
Input Parameters
₹100,000
₹
₹10,000
₹
8.5 %
%
20 Yrs
Yrs
50 %
%
ESTIMATED RESULT
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Updated dynamically
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Download on Google PlayCurrent Home Loan Rates in India (2026)
Compare live floating home loan interest rates and processing fees from top Indian lenders:
| Bank / Lender | Interest Rate (% p.a.) | Processing Fee |
|---|---|---|
| State Bank of India (SBI) | 8.50% – 9.65% | 0.35% of loan amount (Min ₹2,000, Max ₹10,000) + GST |
| HDFC Bank | 8.70% – 9.80% | 0.50% of loan amount or ₹3,000 (whichever is higher) + GST |
| ICICI Bank | 8.75% – 9.75% | 0.50% - 1.00% of loan amount + GST |
| Axis Bank | 8.75% – 9.65% | Up to 1% of loan amount (Min ₹10,000) + GST |
| Bank of Baroda | 8.40% – 10.60% | NIL (under festive offer) / 0.25% + GST |
| Punjab National Bank (PNB) | 8.45% – 10.25% | 0.35% of loan amount (Min ₹2,500, Max ₹15,000) + GST |
Frequently Asked Questions
FOIR stands for Fixed Obligation to Income Ratio. Most Indian banks restrict your total monthly loan commitments (existing EMIs + new home loan EMI) to 40%–55% of your net monthly take-home salary.
You can add a working co-applicant (spouse, parents), clear existing credit card/personal loans, choose a longer tenure (up to 30 years), or show additional rental/dividend income.