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List of Home Loan Providers in India: Banks & Housing Finance Companies (2026 Guide)
27 Sep 2026
Looking for home loan providers in India? Below is a plain, non-ranked list of major banks and housing finance companies with a current home loan offering, how they differ, and a practical checklist for comparing them.
Please note: this is educational information, not a recommendation or ranking. Providers are listed alphabetically. Approval, interest rate, loan-to-value (LTV), fees and tenure depend on each lender's policy, your credit profile, income and the property, and can change at any time. MoneyMax Fingrow is a loan advisory firm, not a lender.
Banks offering home loans
| Provider | Type | What its home loan page describes |
|---|---|---|
| Axis Bank | Bank | Home loans for resident and NRI salaried and self-employed customers, fixed and floating options. |
| Bank of Baroda | Bank | Baroda Home Loan for buying a flat or plot, construction and renovation. |
| HDFC Bank | Bank | Home loans, plot loans, rural housing and NRI home loans. |
| ICICI Bank | Bank | Home loans with online application through net banking, app or branch. |
| Kotak Mahindra Bank | Bank | Home loans for purchase, upgrade and balance transfer. |
| State Bank of India | Bank | Range of home loan schemes, including variants for salaried and NRI borrowers. |
Many other public sector, private and small finance banks also offer home loans.
Housing finance companies and NBFCs offering home loans
| Provider | Type | What its home loan page describes |
|---|---|---|
| Bajaj Housing Finance | HFC / NBFC | Housing finance company offering home loans and top-up loans. |
| ICICI Home Finance | HFC / NBFC | Housing finance company offering home loan solutions. |
| LIC Housing Finance | HFC / NBFC | Housing finance company offering home loans. |
| Tata Capital | HFC / NBFC | Home loans (the housing finance business formerly run as Tata Capital Housing Finance). |
Links go to each provider's own home loan page, checked in September 2026. We have deliberately not listed interest rates: advertised rates change often, are usually "starting from" figures, and your offer depends on your profile. Always check current rates and fees with the lender.
Bank vs housing finance company
| Banks (typical) | HFCs (typical) | |
|---|---|---|
| Regulation | RBI | RBI, with supervision by the National Housing Bank |
| Floating-rate pricing | Usually linked to an external benchmark such as the repo rate | Often linked to the lender's own reference rate |
| Profile flexibility | Can be stricter on income documents | May consider a wider range of income profiles, depending on policy |
| Other products | Savings, current accounts and other banking in one place | Focused on housing and property loans |
These are general patterns, not rules — individual lenders differ.
Types of home loans
- Home purchase loan — to buy a ready or under-construction flat or house.
- Construction loan — to build on land you already own, usually released in stages.
- Plot + construction loan — offered by some lenders to buy a plot and then build on it.
- Renovation or extension loan — to repair, improve or add to an existing home.
- Balance transfer — moving your outstanding loan to another lender; see our home loan balance transfer guide.
- Top-up loan — an extra amount over your existing home loan, subject to lender policy.
Not every lender offers every type. If you already own a property and need funds for business, a loan against property is a different product — see home loan vs loan against property.
Checklist for choosing a home loan provider
- Eligibility — income, age, credit history and existing EMIs.
- Rate and benchmark — fixed or floating, which benchmark, the spread and how often it resets.
- APR and Key Fact Statement — compare the total annual cost, not the headline rate.
- LTV and down payment — how much of the property value the lender funds and what you must pay yourself.
- Charges — processing, legal, valuation, documentation and any insurance offered.
- Tenure — and the EMI it produces; check it in the EMI Calculator.
- Prepayment and foreclosure terms — especially on fixed-rate loans.
- Property or project acceptance — whether the lender has approved the builder's project or accepts your property's title and approvals.
- Service and turnaround — branch access, digital servicing and disbursement process.
- Balance transfer options — in case a better offer appears later.
- Documentation — what the lender needs from you and the seller or builder.
- Sanction conditions — read them with our sanction letter checklist.
Salaried vs self-employed borrowers
Salaried
Lenders usually look at salary slips, Form 16, bank statements showing salary credits, employer profile and job stability. Some lenders run schemes built specifically for salaried borrowers.
Self-employed
Lenders typically assess ITRs, audited or CA-certified financials, GST returns and business bank statements over a few years, plus business vintage. Income calculation methods vary widely, so the same applicant can see different eligible amounts at different lenders. Get an indicative figure with the eligibility calculator before you apply.
Frequently asked questions
Which institutions provide home loans in India?
Home loans are offered by public and private sector banks (for example SBI, HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank and Bank of Baroda), by housing finance companies (for example LIC Housing Finance, Bajaj Housing Finance and ICICI Home Finance) and by some NBFCs such as Tata Capital. Products and terms differ, so check each lender's current official page.
What is the difference between a bank and a housing finance company for a home loan?
Banks are regulated by the RBI; housing finance companies are also regulated by the RBI, with the National Housing Bank supervising them. Banks usually price floating home loans off an external benchmark such as the repo rate, while HFCs often use their own reference rate. HFCs may be more flexible on some profiles. These are general patterns, not rules.
How should I compare home loan providers?
Compare the Key Fact Statement (KFS) and annual percentage rate (APR), not just the headline rate. Also check the benchmark and reset frequency, loan-to-value, processing, legal and valuation charges, tenure, prepayment and foreclosure terms, and whether the lender accepts your property or project.
Can self-employed people get a home loan?
Yes, many lenders lend to self-employed borrowers. They typically assess income from ITRs, financial statements, GST returns and bank statements over a few years. Eligibility and terms depend on the lender's policy, your credit profile, income stability and the property.
Is the lowest advertised home loan rate always the cheapest loan?
Not necessarily. Advertised rates are usually 'starting from' rates for the strongest profiles. Your actual rate, fees, insurance, reset terms and prepayment conditions decide the real cost. The APR in the Key Fact Statement is the better number to compare.
Is MoneyMax a lender?
No. MoneyMax Fingrow is a loan advisory firm. Final approval, rates and terms are decided by the lender.
Compare providers with an adviser
If you're in Chennai, see our home loan in Chennai page. Check your EMI in the EMI Calculator, check eligibility, then book a consultation to discuss which lenders suit your profile and property. MoneyMax is an adviser, not a lender, and cannot guarantee approval.
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