Home Loan Rates In India 2026: PSU Banks Offering Low Interest Rates; SBI, PNB, BoI, More | Check Full List

Home Loan Interest Rates: Purchasing own's house is one of the biggest dream of a person. Home loan makes the dream achievable, and loan from public sector banks like State Bank of India, Central Bank of India, etc often help in reducing the burden of interest rates.

As of now, India is enjoying low interest rates as the Reserve Bank of India opted for massive rate cuts in 2025. With the RBI's Monetary Policy Committee (RBI MPC) meeting due in April, all eyes will be on the committee's decision on repo rates. Any change in repo rates directly impact home loan interest rates by different public as well as private sector banks.

Latest Home Loan Interest Rates In 2026

State Bank of India Home Loan Rates

India's largest public sector bank, State Bank of India offers home loan interest rate between 7.25% and 8.45% . The exact home loan interest rate in 2026 for applicants may vary due to their credit score, location of the house, and other factors.

Punjab National Bank Home Loan Rates in 2026

Punjab National Bank home loan interest rates fall between 7.2% and 9.1% per annum. The home loan interest rate by PNB is relatively lower from other names in the list like Punjab & Sind Bank, State Bank of India, etc. However, the actual interest rate may depend on the applicant's CIBIL score and other details.

Canara Bank Home Loan Rates in 2026

Canara Bank offers home loan at an interest rate that may fall in the range of 7.15% - 10.00% per annum. With this, it offers one of the most competitive home loan rates among peers. Additionally, Canara Bank offers vehicle loans in the interest rate of 7.45 % to 15.00 %.

Central Bank of India Home Loan Rates in 2026

The Central Bank of India home loan rates in the range of 7.2% and 8.7%. The bank also offer home loans at attractive interest rates in other categories like home loan for 3rd/4th house, Cent Home Loan Double Plus, Cent Grih Lakshmi Loan, etc.

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