State Bank of India: Bank Name Floating Interest Rate Processing Fee Prepayment Charges

Bank Name
Floating Interest rate
Processing Fee 5,000 + service tax (Upto 30lacs), 10,000 + service tax (above 30lacs)
Prepayment Charges
State Bank Of India
10.50%
Nil
ICICI Bank
Scheme I :10.50% (Fixed 1 yr) Scheme II : 10.75% (Fixed 2yrs) Scheme III : 10.75% (Fixed 3yrs), then 10.50% Scheme I : 10.75% (Fixed for 3 yrs ) Scheme II : 11.25% (Fixed for 5 yrs ) , After that 10.50% rate or then applicable rate.
0.50% of loan amount upto 1 crore
N.A
HDFC Ltd
0.5% or maximum 10,000+service tax (10.30%)
No prepayment charges shall be payable for partial or full prepayments irrespective of the source NIL up to 25% of the loan amount sanctioned in every financial year and at a pre-payment charge of 3% for any excess amount.
HSBC Bank
11% - Regular Home Loan 11.50% - Smart Home
INR 10,000 plus service tax & cess
LIC Housing
Scheme I : 10.80% Scheme II : 10.70% (Fixed for 3 yrs)
Up to 30 lacs : 10,000 + (Service tax) 30 - 50 lacs : 15,000 + (service tax) 50 lacs - 1Cr : 20,000 + (service tax) 1Cr & above : 20,000 + (service tax) Rs.5515 (Upto 30Lacs), Then 10,000 + srevice tax
Nil
AXIS Bank
Scheme I : 11.75% (Fixed for 20 yrs) Scheme II : 10.50%
2% (For Scheme I) Nil (For Scheme II)
IDBI
Up to 1%of loan amount If Balance Transfer 11% (Upto 25Lacs), (Rs 2500 to be collected at login then 2% Otherwise and balance at the time of Then 11.50% - 11.75% Nil sanction ) 5000 + 10.30% (service tax) (Upto 20Lacs) 5000 + 10.30% (service tax) (Above 20Lacs)
ING Vysya
10.75%
2%
Standard Chartered
10.75% - 11.25%
0.5%
2.5% If 25% of outstanding amount is paid every year -No Penalty , otherwise 2% of outstanding amount 1) Nil for Prepayment less then 25% of Sanctioned loan in financial year. 2) 2% on Loan outstanding at the time of loan closer up to 90% no charges after that 2.5%
DHFL
11.50%
0.5% - 1%(basis on profile)
Citibank
10.50% (Upto 25Lacs), then 11%
0.25%+10.30%(service tax)
Deutsche Bank
10.50% - 11%
10000 + Service Tax
India Bulls
upto 30lacs - 2,500 + 10.30% (service tax) 10.50% (Upto 25Lacs), above 30lacs to 1.5Cr - 5,000 + 10.30%(service tax) Then 11% Above 1.5Cr - 10,000 + 10.30%(service tax) 12.75% 0.50% of loan amount, Maximum Rs. 10,000/Nil (Upto 25Lacs) 0.50% (Max Rs 50,000/-) (25lacs & above) N.A
2%-3%
Allahabad Bank
N.A
Bank of Maharastra
11.10%
N.A
Central Bank of India
10.75%
N.A
Corporation Bank
Upto Rs.5 lakhs 0.50% of loan subject to min. Rs.1,000/- & max. Rs.2,500/Above Rs.5 lakhs & upto Rs.15 lakhs 0.50% of loan subject to min. 11.75% (Upto 25Lacs), Rs.2,500/- & max. Rs.7,500/Above Rs.15 lakhs & upto Rs.20 then 12% lakhs 0.50% of loan subject to min. Rs.7,500/- & max. Rs.10,000/Above Rs.20 lakhs 0.50% of loan subject to min. Rs.10,000/- & max. Rs.50,000/-
N.A
Bank of India
11% (Upto 25 Lacs), Then 11.75%
For loans upto Rs.30 lacs One time @ 0.55% of loan amount min. Rs. 3000/- and max. Rs.10000/For Loan over Rs.30 Lacs upto Rs.50 lacs One time flat Rs.15,000/For Loan over Rs.50 Lacs upto Rs.1.00 crore One time flat Rs.20,000/0.25% of loan amount subject to a maximum of Rs.15000/- plus service tax as applicable 0.50% of the loan amount N.A
2.25% of outstanding loan amount.
Union Bank of India
11.75%
N.A
United Bank of India UCO Bank Bank of Baroda Canara Bank
12.10% 12.25% - 12.75% 11.75% 11.75%
N.A N.A N.A
Oriental Bank Commerce
of
11.50%
Nil for fresh Loans upto Rs.20.00 lac, For Loans above Rs.20.00 lacs 0.50% of the loan amount subject to a maximum of Rs.12,500/-
N.A
Kotak Bank
11.25%( for Salaried), 11.50%( for Self Employed) 11.15% (Upto 25Lacs), Then 11.75% - 12.25% 11.75%
0.25% - 0.5%
2% of Principal Outstanding + 2% on amount prepaid in last 12 months N.A
Dena Bank
N.A
Punjab National Bank
First Blue Finance
Salaried - 0.5% or 6000 whichever is less plus doc 10.50% (for Salaried / charges plus taxes (upto 25 lacs), SEP), 11% (For Self 0.5% or 10000 whichever is less Employed) (Upto plus doc charges plus taxes (25Home 25Lacs), Then 10.75% 75 lacs), 0.5% or 15000 (for Salaried / SEP), whichever is less plus doc 11.25% (For Self charges plus taxes (above 75 lacs). Employed) Self Employed - 0.5% plus doc charges plus taxes.
Nil
Vijaya Bank
11.50% 11% (Upto 25 Lacs), Then 12.50% 11.50%
N.A
N.A
Syndicate Bank
N.A
N.A
Indian Overseas Bank
N.A 0.25%( for salaried ) , 0.50%( for Self employed) 0.75% of loan amount + Service Tax 0.50% 0.5%
N.A
Barclays Bank
11% - 11.25%
3%
Reliance
11%
N.A
Federal Bank PNB Housing Finance
10.78% 10.75%
NIL If 25% of outstanding amount is paid within 3 years - No Penalty , otherwise 2% of outstanding amount 2% of the outstanding loan amount N.A
Development Bank
Credit
11.50%
0.5%
State Bank Travancore Tata capital Finance ltd
of
11.25%
Nil
Housing
10.75%
0.5 to 1% off the loan amount.
Dhanalakshmi Bank
12.25% (Uto 25Lacs), then 12.75%
25% of a) Loans Upto Rs 20 lacs -Rs outstanding loan 3500 plus service tax amount is paid b) Loans > Rs 20 lacs - Rs 5000 every financial year plus service tax without charges. 1) No pre-closure charges, if loan is closed out of own funds. 1) 0.25 % on Loan amount (Non 2) 2% on Balance refundable) (to be remitted at the outstanding or time of submission of application) applicable Drawing 2) 0.32 % on Loan amount (at Limit whichever is the time of acceptance of higher, if loan is closed by way of sanction) take over by another Bank / Financial Institution.
Indian Bank
11.25%

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Bank Name

Floating Interest rate

State Bank Of India

0.50% of loan amount upto 1 crore

0.5% or maximum 10,000+service tax (10.30%)

11% - Regular Home Loan 11.50% - Smart Home

INR 10,000 plus service tax & cess

Scheme I : 10.80% Scheme II : 10.70% (Fixed for 3 yrs)

Scheme I : 11.75% (Fixed for 20 yrs) Scheme II : 10.50%

2% (For Scheme I) Nil (For Scheme II)

0.5% - 1%(basis on profile)

10.50% (Upto 25Lacs), then 11%

10000 + Service Tax

Central Bank of India

11% (Upto 25 Lacs), Then 11.75%

2.25% of outstanding loan amount.

Union Bank of India

United Bank of India UCO Bank Bank of Baroda Canara Bank

12.10% 12.25% - 12.75% 11.75% 11.75%

N.A N.A N.A

Oriental Bank Commerce

2% of Principal Outstanding + 2% on amount prepaid in last 12 months N.A

Punjab National Bank

First Blue Finance

11.50% 11% (Upto 25 Lacs), Then 12.50% 11.50%

Indian Overseas Bank

Federal Bank PNB Housing Finance

State Bank Travancore Tata capital Finance ltd

0.5 to 1% off the loan amount.

12.25% (Uto 25Lacs), then 12.75%

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