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Bank loan interest rates November 2026

Every rate we track, in one place. Each is the starting rate published on the bank's own website on the date shown.

Home Loan interest rates

Bank	Starting rate	Applies to	Checked
Bank of Maharashtra	7.25%	Based on credit score, loan amount and profession	2026-11-01
Indian Bank	7.35%	IB Home Loan floating rate range 7.35% to 8.80%	2026-11-01
Canara Bank	7.4%	Floor rate: women borrowers in the best credit grade, loans above ₹1 crore	2026-11-01
Punjab National Bank	7.45%	CIBIL score 800+ and loan-to-value up to 80%; festive campaign rate valid 01.10.2026 to 31.12.2026	2026-11-01
Central Bank of India	7.45%	Cent Home, 7.45% to 9.00% based on credit score; Cent Grih Lakshmi (women borrowers) from 7.25%	2026-11-01
State Bank of India	7.5%	Starting rate for eligible borrowers	2026-11-01
Federal Bank	7.5%	Term loans above ₹35 lakh (7.50% to 9.25%); 1% higher for smaller loans	2026-11-01
Kotak Mahindra Bank	7.6%	Starting rate for eligible borrowers	2026-11-01
IDFC FIRST Bank	7.75%	Starting rate for eligible borrowers	2026-11-01
Axis Bank	8%	8.00% to 8.85% for a CIBIL score of 751 and above; 8.20% to 9.10% for 750 or below	2026-11-01
ICICI Bank	8.5%	Starting rate for eligible borrowers	2026-11-01
HDFC Bank	8.5%	For a credit score of 800 and above	2026-11-01

Personal Loan interest rates

Bank	Starting rate	Applies to	Checked
ICICI Bank	9.99%	Starting rate for eligible borrowers	2026-11-01
Kotak Mahindra Bank	10.99%	Starting rate for eligible borrowers	2026-11-01

Car Loan interest rates

Bank	Starting rate	Applies to	Checked
ICICI Bank	8.4%	New cars with tenure over 36 months; new cars under 36 months from 10.25%, used cars from 9.75%	2026-11-01

Education Loan interest rates

Bank	Starting rate	Applies to	Checked
ICICI Bank	8.5%	Secured loans for select institutes in India; unsecured loans abroad from 10.25%	2026-11-01

Recent rate changes

No changes recorded yet. Our automated check re-reads bank websites every Monday and lists any change here.

Journalists and bloggers are welcome to cite this page. Please link to it as the source.

How we checked these rates

ICICI Bank: bank's official page, checked 2026-11-01.
Kotak Mahindra Bank: bank's official page, checked 2026-11-01.
State Bank of India: bank's official page, checked 2026-11-01. Effective from 2026-10-15. Rate taken from the bank's published rate chart (ROI 7.50% p.a. onwards, with effect from 15.10.2026).
HDFC Bank: bank's official page, checked 2026-11-01. For a credit score of 800 and above.
Axis Bank: bank's official page, checked 2026-11-01. 8.00% to 8.85% for a CIBIL score of 751 and above; 8.20% to 9.10% for 750 or below. Taken from the bank's rate table. An FAQ on the same page says rates start 'as low as 8.75%'.
Punjab National Bank: bank's official page, checked 2026-11-01. Effective from 2026-10-01. CIBIL score 800+ and loan-to-value up to 80%; festive campaign rate valid 01.10.2026 to 31.12.2026. Fixed-rate option from 8.45% (tenure up to 10 years).
Canara Bank: bank's official page, checked 2026-11-01. Effective from 2026-10-09. Floor rate: women borrowers in the best credit grade, loans above ₹1 crore. Fee, prepayment and tenure from the bank's housing loan page.
Federal Bank: bank's official page, checked 2026-11-01. Term loans above ₹35 lakh (7.50% to 9.25%); 1% higher for smaller loans.
Indian Bank: bank's official page, checked 2026-11-01. IB Home Loan floating rate range 7.35% to 8.80%.
Central Bank of India: bank's official page, checked 2026-11-01. Cent Home, 7.45% to 9.00% based on credit score; Cent Grih Lakshmi (women borrowers) from 7.25%.
Bank of Maharashtra: bank's official page, checked 2026-11-01. Based on credit score, loan amount and profession. The bank's blog mentions 7.10%; we use the rate shown on its home loan page.
IDFC FIRST Bank: bank's official page, checked 2026-11-01.
ICICI Bank: bank's official page, checked 2026-11-01.
Kotak Mahindra Bank: bank's official page, checked 2026-11-01.
ICICI Bank: bank's official page, checked 2026-11-01. New cars with tenure over 36 months; new cars under 36 months from 10.25%, used cars from 9.75%.
ICICI Bank: bank's official page, checked 2026-11-01. Secured loans for select institutes in India; unsecured loans abroad from 10.25%.

We only publish rates we can trace to the bank's own website, and an automated check re-reads them every week. Always confirm with the bank before you apply. Read our method.