Loan comparison · scenario estimates
Compare Loan Rates, Benchmark Spreads & Lifetime Costs
Compare loan rates, terms and estimated costs. Customize a shared example, then check each lender’s current conditions.
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Scenario estimate
Estimated interest difference
In this 20-year scenario, SBI Regular Home Loan has ₹2,66,640 less estimated interest than Axis Bank Super Saver Home Loan.
Estimated interest difference
₹2,66,640
verified20 years in this scenarioThis scenario uses the same amount and term for every selected loan. Check each lender’s amount and tenure limits in its review.
These catalogue records do not include verification dates. Confirm current terms with the lender.
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| Parameter / Feature | State Bank of IndiaSBI Regular Home Loan | HDFC BankHDFC Bank Home Loan | Axis BankAxis Bank Super Saver Home Loan |
|---|---|---|---|
| Starting Interest Rate | 8.40% – 9.65% p.a. | 8.50% – 9.40% p.a. | 8.75% – 9.80% p.a. |
| Benchmark & Spread | EBLR + 1.90% spread | REPO + 2.00% spread | REPO + 2.25% spread |
| Reset Frequency | Quarterly reset on 1st of the month following RBI Repo changes | Monthly/Quarterly reset linked to RBI Repo rate | Reset linked to Axis Bank RLLR quarterly |
| CIBIL 750+ (Prime Rate) | 8.40% – 8.75% | 8.50% – 8.75% | 8.75% – 9.10% |
| CIBIL 700 – 749 (Standard) | 8.75% – 9.15% | 8.75% – 9.10% | 9.10% – 9.45% |
| CIBIL < 700 (Sub-Prime) | 9.15% – 9.65% | 9.10% – 9.40% | 9.45% – 9.80% |
| Self-Employed Markup | +20 bps (+0.20%) | +15 bps (+0.15%) | +25 bps (+0.25%) |
| Processing Fee Cap | 0.35% (Min ₹2,000, Max ₹10,000) | 0.5% (Min ₹3,000, Max ₹15,000) | 0.5% (Min ₹10,000, Max ₹25,000) |
| Est. Upfront Out-of-Pocket Cash | ₹20,300 Fee: ₹10,000 + 18% GST (₹1,800) + Legal/Val: ₹8,500 | ₹27,700 Fee: ₹15,000 + 18% GST (₹2,700) + Legal/Val: ₹10,000 | ₹41,000 Fee: ₹25,000 + 18% GST (₹4,500) + Legal/Val: ₹11,500 |
| Max Tenure & LTV Limits | 360 Months (30 Years) Up to 90% LTV | 360 Months (30 Years) Up to 90% LTV | 360 Months (30 Years) Up to 85% LTV |
| Prepayment & Foreclosure | verified0% Floating Individual (RBI Mandate) Nil foreclosure charges for individual borrowers on floating rates per RBI mandate. | verified0% Floating Individual (RBI Mandate) Nil prepayment and foreclosure charges for individual floating rate home loans per RBI guidelines. | verified0% Floating Individual (RBI Mandate) Nil foreclosure charges on floating rate home loans for individual retail borrowers. |
| Overdraft / Smart Saver | check_circle Available | Not Available | check_circle Available |
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