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Loan discovery · scenario estimates

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Explore loan rates, terms and estimated costs. Adjust an example, read each product’s conditions and compare up to three loans.

These catalogue records do not include verification dates. Confirm current terms with the lender. Estimates use the displayed amount and each product’s example term; check its lending limits.

Smart Borrower Profile

Adjust the example amount, score band and employment type to estimate rates, EMI and upfront costs.

Scenario estimates
₹50,00,000
₹50K₹25L₹50L₹1Cr₹10Cr

Estimates depend on the selected score band; the lender sets your final rate.

Employment adjustments vary by product. Check the review for conditions.

State Bank of India

SBI Regular Home Loan

home
Effective Rate8.40% p.a.
Estimated Monthly EMI₹43,075 / mo
Upfront Cash Outflow₹20,300
SpreadEBLR + 1.9%

Estimate term: 20 years

  • Lowest interest rates linked to RBI Repo rate
  • Concession of 5 bps for women borrowers
  • Overdraft Maxgain facility available
HDFC Bank

HDFC Bank Home Loan

home
Effective Rate8.50% p.a.
Estimated Monthly EMI₹43,391 / mo
Upfront Cash Outflow₹27,700
SpreadREPO + 2%

Estimate term: 20 years

  • Quick digital in-principle sanction
  • Special rates for women applicants
  • Seamless top-up loan facility
ICICI Bank

ICICI Bank Home Loan

home
Effective Rate8.75% p.a.
Estimated Monthly EMI₹44,186 / mo
Upfront Cash Outflow₹23,750
SpreadREPO + 2.25%

Estimate term: 20 years

  • Instant pre-approved paperless approvals for existing customers
  • Express Home Loan facility
  • Doorstep document pickup
Axis Bank

Axis Bank Super Saver Home Loan

home
Effective Rate8.75% p.a.
Estimated Monthly EMI₹44,186 / mo
Upfront Cash Outflow₹41,000
SpreadREPO + 2.25%

Estimate term: 20 years

  • Smart overdraft facility saves interest on surplus savings
  • Withdraw surplus anytime without penalty
  • 12 EMI waivers on on-time repayment
Bank of Baroda

Bank of Baroda Baroda Home Loan

home
Effective Rate8.40% p.a.
Estimated Monthly EMI₹43,075 / mo
Upfront Cash Outflow₹19,300
SpreadRLLR + 1.9%

Estimate term: 20 years

  • Zero pre-payment charges
  • Concessional interest rate for women borrowers
  • Baroda Home Loan Advantage overdraft option
Canara Bank

Canara Bank Housing Loan

home
Effective Rate7.15% p.a.
Estimated Monthly EMI₹39,216 / mo
Upfront Cash Outflow₹18,300
SpreadRLLR + 0%

Estimate term: 20 years

  • Industry-leading rates starting at 7.15% p.a.
  • Direct RLLR benchmarked at 8.00% w.e.f. March 2026
  • Zero prepayment charges for floating rate individual loans
Punjab National Bank

PNB Max Saver Housing Loan

home
Effective Rate8.10% p.a.
Estimated Monthly EMI₹42,134 / mo
Upfront Cash Outflow₹25,200
SpreadRLLR + 0.1%

Estimate term: 20 years

  • Direct RLLR linked rate at 8.10% (RLLR 8.00% + 0.10% BSP)
  • PNB Max Saver overdraft facility against home loan
  • Zero prepayment charges for individual floating rate loans
Bajaj Housing Finance

Bajaj Housing Finance Home Loan

home
Effective Rate8.45% p.a.
Estimated Monthly EMI₹43,233 / mo
Upfront Cash Outflow₹19,030
SpreadREPO + 1.95%

Estimate term: 20 years

  • Listed HFC benchmarked to RBI Repo rate (NHB RLLR aligned)
  • Doorstep service across 200+ Indian cities
  • Top-up loan facility up to ₹1 Cr without fresh collateral
State Bank of India

SBI Car Loan

car
Effective Rate8.65% p.a.
Estimated Monthly EMI₹79,560 / mo
Upfront Cash Outflow₹5,900
SpreadEBLR + 2.15%

Estimate term: 7 years

  • Financing on on-road price including insurance & road tax
  • Longest repayment tenure of up to 7 years
  • No advance EMIs required
HDFC Bank

HDFC Bank New Car Loan

car
Effective Rate8.75% p.a.
Estimated Monthly EMI₹79,812 / mo
Upfront Cash Outflow₹10,030
SpreadFIXED + 2.25%

Estimate term: 7 years

  • Up to 100% on-road funding on select vehicle models
  • 30-minute approval for HDFC Bank accountholders via NetBanking
  • Flexible step-up EMI repayment schemes
ICICI Bank

ICICI Bank Car Loan

car
Effective Rate8.85% p.a.
Estimated Monthly EMI₹80,065 / mo
Upfront Cash Outflow₹10,030
SpreadFIXED + 2.35%

Estimate term: 7 years

  • Instant digital sanction with paperless KYC
  • Pre-approved car loans for existing customers
  • Special EV vehicle discounted financing
Axis Bank

Axis Bank New Car Loan

car
Effective Rate8.80% p.a.
Estimated Monthly EMI₹79,939 / mo
Upfront Cash Outflow₹5,310
SpreadFIXED + 2.3%

Estimate term: 7 years

  • Up to 100% on-road financing on select models
  • Special interest rate discount for electric vehicles (EV)
  • Flexible balloon repayment options
Kotak Mahindra Bank

Kotak Mahindra Car Finance

car
Effective Rate8.70% p.a.
Estimated Monthly EMI₹79,686 / mo
Upfront Cash Outflow₹8,850
SpreadFIXED + 2.2%

Estimate term: 7 years

  • Up to 90% financing on ex-showroom price
  • Special low EMI schemes for first 6 months
  • Fast digital disbursement within 48 hours
TVS Credit Services

TVS Credit Two Wheeler Loan

two-wheeler
Effective Rate12.50% p.a.
Estimated Monthly EMI₹1,32,900 / mo
Upfront Cash Outflow₹4,130
SpreadFIXED + 6%

Estimate term: 4 years

  • Up to 95% funding on on-road price
  • Instant 2-minute in-dealership paperless approvals
  • Low down-payment schemes for TVS and partner bikes
Bajaj Finserv

Bajaj Finserv Two Wheeler Loan

two-wheeler
Effective Rate11.99% p.a.
Estimated Monthly EMI₹1,11,197 / mo
Upfront Cash Outflow₹5,310
SpreadFIXED + 5.49%

Estimate term: 5 years

  • Up to 100% on-road financing available on select motorcycles and scooters
  • Flexible repayment options extending up to 60 months
  • Digital KYC and rapid disbursement within 24 hours
HDFC Bank

HDFC Bank Two Wheeler Loan

two-wheeler
Effective Rate14.50% p.a.
Estimated Monthly EMI₹1,37,890 / mo
Upfront Cash Outflow₹3,540
SpreadFIXED + 8%

Estimate term: 4 years

  • Up to 100% on-road funding for existing bank account holders
  • Preferential rates and processing fee waivers for pre-approved customers
  • Zero paperwork and instant disbursement via NetBanking
Hero FinCorp

Hero FinCorp Two Wheeler Loan

two-wheeler
Effective Rate13.00% p.a.
Estimated Monthly EMI₹1,34,137 / mo
Upfront Cash Outflow₹4,130
SpreadFIXED + 6.5%

Estimate term: 4 years

  • Official captive financier for Hero MotoCorp two-wheelers
  • Hassle-free instant spot approvals across 2,000+ dealerships
  • Minimal documentation with Aadhaar-based e-KYC
HDFC Bank

HDFC Bank Personal Loan

personal
Effective Rate10.50% p.a.
Estimated Monthly EMI₹1,07,470 / mo
Upfront Cash Outflow₹7,670
SpreadFIXED + 4%

Estimate term: 5 years

  • Instant 10-second disbursement for pre-approved salary account customers
  • No collateral or security required
  • Borrow up to ₹40 Lakhs with tenure up to 5 years
Axis Bank

Axis Bank Personal Loan

personal
Effective Rate10.49% p.a.
Estimated Monthly EMI₹1,07,445 / mo
Upfront Cash Outflow₹5,900
SpreadFIXED + 3.99%

Estimate term: 5 years

  • Competitive starting interest rate of 10.49%
  • Complete end-to-end digital paperless journey
  • Balance transfer option available at lower interest rates
ICICI Bank

ICICI Bank Personal Loan

personal
Effective Rate10.75% p.a.
Estimated Monthly EMI₹94,531 / mo
Upfront Cash Outflow₹8,850
SpreadFIXED + 4.25%

Estimate term: 6 years

  • Instant sanction with zero document upload for pre-approved customers
  • Flexible tenure up to 72 months (6 years)
  • High loan limits up to ₹50 Lakhs
Tata Capital

Tata Capital Personal Loan

personal
Effective Rate10.99% p.a.
Estimated Monthly EMI₹95,145 / mo
Upfront Cash Outflow₹7,080
SpreadFIXED + 4.49%

Estimate term: 6 years

  • Trusted Tata trust and transparent fees with zero hidden charges
  • Dropline overdraft flexi loan variant available
  • Minimal documentation with instant video KYC
Bajaj Finserv

Bajaj Finserv Flexi Personal Loan

personal
Effective Rate11.00% p.a.
Estimated Monthly EMI₹78,542 / mo
Upfront Cash Outflow₹9,440
SpreadFIXED + 4.5%

Estimate term: 8 years

  • Flexi Hybrid facility: Withdraw and prepay anytime, pay interest only on utilized amount
  • Longest personal loan tenure of up to 96 months (8 years)
  • Instant disbursement directly to bank account within hours
State Bank of India

SBI Student Loan

education
Effective Rate10.15% p.a.
Estimated Monthly EMI₹54,190 / mo
Upfront Cash Outflow₹5,500
SpreadEBLR + 3.65%

Estimate term: 15 years

  • Moratorium period of course duration plus 12 months
  • 0.50% concession for girl students
  • Tax benefit under Section 80E with no upper limit on interest deduction
HDFC Credila

HDFC Credila Higher Education Loan

education
Effective Rate10.25% p.a.
Estimated Monthly EMI₹54,498 / mo
Upfront Cash Outflow₹24,700
SpreadMCLR + 3.75%

Estimate term: 15 years

  • Up to 100% finance covering tuition, living expenses, and equipment
  • Pre-admission sanction letter for visa processing
  • No margin money required on select premier global universities
Avanse Financial Services

Avanse Education Loan

education
Effective Rate11.50% p.a.
Estimated Monthly EMI₹58,409 / mo
Upfront Cash Outflow₹29,600
SpreadREPO + 5%

Estimate term: 15 years

  • Financing covering 100% cost of education including living and travel expenses
  • Fast sanction within 3 business days for fast visa clearances
  • Flexible collateral-free education loans up to ₹75 Lakhs for STEM programs
TVS Credit Services

TVS Credit Consumer Durable Loan

consumer-durable
Effective Rate14.00% p.a.
Estimated Monthly EMI₹2,40,064 / mo
Upfront Cash Outflow₹885
SpreadFIXED + 7.5%

Estimate term: 2 years

  • No Cost EMI offers on leading electronics, appliances, and mobile phones
  • Instant in-store digital approval within 5 minutes
  • Zero down payment schemes on popular brand tie-ups
DMI Finance

DMI Finance Digital Consumer Credit

consumer-durable
Effective Rate13.00% p.a.
Estimated Monthly EMI₹1,68,470 / mo
Upfront Cash Outflow₹2,950
SpreadFIXED + 6.5%

Estimate term: 3 years

  • Embedded checkout financing integrated with top e-commerce and smartphone brands
  • 100% paperless e-sign approval in under 60 seconds
  • Flexible tenures from 3 to 36 months with transparent repayment schedule
State Bank of India

Loan Contract Fine Print

Benchmark Index & Spread

EBLR (External Benchmark Lending Rate) + 1.90%

Interest Rate Reset Frequency

Quarterly reset on 1st of the month following RBI Repo rate revision

Overdraft / Smart Saver Facility

Available (SBI Maxgain)

Estimated Legal & Valuation Charges

Processing Fee: 0.35% (Min ₹2,000, Max ₹10,000) + 18% GST

RBI Foreclosure & Prepayment Mandate

0% Foreclosure Penalty: Under RBI Master Directions, banks and HFCs are strictly prohibited from levying any foreclosure charges or prepayment penalties on floating rate loans sanctioned to individual borrowers.

Nil charges on floating rates.

Eligibility Highlights
RBI Non-Lender & ASCI Regulatory Mandate

RBI Non-Lender Disclosure: CredSutra is a pure mathematical research and discovery platform. We are not an RBI-registered Non-Banking Financial Company (NBFC), bank, loan distributor, or Direct Selling Agent (DSA). Loan approvals, interest rates, processing fees, and disbursements are governed solely by respective lenders subject to your credit evaluation. All floating rate retail loans to individual borrowers carry 0% prepayment penalty under RBI Master Directions.

ASCI Sponsored Disclosure: CredSutra may receive compensation from partner financial institutions when you click outbound links. This does not affect our objective rankings or calculations.