Home Loan Rates Update: PSU Banks Lead with Lowest Interest Rates Starting at 7.35%

As of November 12, 2025, public sector banks offer home loans starting at 7.35% to 7.55%, while private lenders and housing finance companies charge slightly higher rates. Bank of Baroda offers the lowest rate of 7.45%, followed by Union Bank of India and Bank of India at 7.35%. Private banks like HDFC Bank and ICICI Bank offer rates below 8%, while housing finance companies have broader rate spreads, ranging from 7.45% to 11.50%.