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Federal Bank Home Loan Interest Rate November 2026
Federal Bank advertises home loan rates starting from 7.5% per annum. For ₹50 lakh over 20 years that is an EMI of about ₹40,280 a month.
Source: Federal Bank official page, checked on November 2026 (2026-11-01).
| Starting interest rate | 7.5% per annum |
| Applies to | Term loans above ₹35 lakh (7.50% to 9.25%); 1% higher for smaller loans |
| Processing fee | Not stated on the page we checked |
| Prepayment | Not stated on the page we checked |
| Maximum tenure | Not stated on the page we checked |
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Prepayment options (optional): pay extra to finish sooner
EMI for popular amounts
₹20 lakh for 15 years₹20 lakh for 20 years₹20 lakh for 25 years₹30 lakh for 15 years₹30 lakh for 20 years₹30 lakh for 25 years₹50 lakh for 15 years₹50 lakh for 20 years₹50 lakh for 25 years₹75 lakh for 15 years₹75 lakh for 20 years₹75 lakh for 25 years₹1 crore for 15 years₹1 crore for 20 years₹1 crore for 25 years
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Frequently asked questions
What is the Federal Bank home loan interest rate?
Federal Bank's website advertises home loan rates starting from 7.5% per annum (checked 2026-11-01). The rate you get depends on your credit score, income and loan amount.
What is the EMI on a ₹50 lakh home loan from Federal Bank?
At the starting rate of 7.5% over 20 years the EMI is about ₹40,280 a month, with total interest of about ₹46,67,118. A higher personal rate would raise this.
What is the processing fee for a Federal Bank home loan?
The Federal Bank page we checked did not state a processing fee. Please confirm it with the bank's fee schedule before applying.
Does Federal Bank charge prepayment charges on a home loan?
The page we checked did not state prepayment terms. Please confirm with the bank.