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State-Owned Banks Offer Best Home Loan Deals in November 2025
10 Nov
Summary
- Home loan rates remain stable, starting from 7.35% to 7.45% p.a.
- State-owned banks like SBI, Union Bank, and Bank of India offer the most affordable rates
- Private banks and housing finance companies also provide competitive home loan options
In November 2025, the home loan market in India has remained relatively stable, with state-owned banks offering the most affordable rates. According to the data provided, leading public sector lenders like Union Bank of India, Bank of India, Indian Overseas Bank, Central Bank of India, and Bank of Maharashtra are currently providing home loans starting at 7.35% per annum.
Meanwhile, the home loan interest rates of State Bank of India and Punjab National Bank start at 7.50%, while Canara Bank and UCO Bank offer rates from 7.40% and above. Private sector banks, such as HDFC Bank and ICICI Bank, have a diverse range of home loan interest rates, with starting points around 7.80% and 8.75%, respectively. Housing finance companies like Bajaj Housing Finance, LIC Housing Finance, and ICICI Home Finance are also offering competitive rates, beginning at approximately 7.45%-7.50%.
Overall, the home loan landscape in India remains favorable for borrowers, with a variety of lenders providing attractive options to finance their dream homes. The stability in rates across both public and private sector institutions suggests a relatively stable economic environment for real estate investments.
