25 of the 31 lenders on our panel publish a public NRI home loan rate — PSU banks, private banks, international banks and NBFCs/HFCs, with rate and maximum tenure side by side. We separate what a bank has actually published from what still needs a direct check, so nothing here is guesswork.
Rates below are pulled from each lender's own published rate card as of September 2026. They are the general market rate that lender has made public — not a number confirmed with the lender specifically for our panel, and not necessarily the exact NRI-specific rate (a handful of lenders publish an NRI-specific figure; most price NRI applicants on the same card as resident applicants, subject to the extra NRI documentation).
Six lenders on our panel don't publish a rate publicly and aren't listed below — full panel note at the bottom of the page. Author: Himanshu Gupta · Reviewer: Sachin Gupta · Last verified: September 2026.
Usually the lowest entry rates and the most conservative underwriting.
| Lender | Indicative home loan rate* | Max tenure* |
|---|---|---|
| State Bank of India (SBI) | 7.25% – 8.45% | 30 years |
| Bank of Baroda | 7.20% – 8.95% | 30 years |
| Punjab National Bank | 7.20% onwards | 30 years |
| Union Bank of India | 7.15% – 9.35% | 30 years |
Faster processing and stronger NRI-specific desks, typically at a modest rate premium over PSU banks.
| Lender | Indicative home loan rate* | Max tenure* |
|---|---|---|
| HDFC Bank | 7.90% – 13.20% | 20 years (NRI-specific) |
| ICICI Bank | 7.50% onwards | 20 years (NRI-specific) |
| Axis Bank | 8.00% – 9.10% | 30 years |
| Kotak Mahindra Bank | 7.60% onwards | 25 years (NRI-specific) |
| Federal Bank | 7.35% – 9.25% | 20 years (NRI-specific) |
| IDFC FIRST Bank | 8.85% – 10.50% | 30 years |
| IndusInd Bank | 7.50% – 10.44% | 30 years |
| Yes Bank | 9.00% – 11.50% | 35 years |
| RBL Bank | 9.00% – 11.55% | 30 years |
| Karnataka Bank | 7.49% – 11.72% | 30 years |
Strongest fit for applicants already banking with them overseas — HSBC and Standard Chartered both run dedicated NRI desks.
| Lender | Indicative home loan rate* | Max tenure* |
|---|---|---|
| HSBC | 7.45% onwards | 25 years (NRI-specific) |
| Standard Chartered | 8.75% onwards (NRI-specific) | 25 years |
Often more flexible on documentation and self-employed profiles, sometimes at a rate premium over banks.
| Lender | Indicative home loan rate* | Max tenure* |
|---|---|---|
| LIC Housing Finance | 7.15% onwards | 30 years |
| Bajaj Housing Finance | 7.25% onwards | 40 years |
| PNB Housing Finance | 7.50% onwards | 30 years |
| ICICI Home Finance | 7.50% onwards | 25 years |
| Aditya Birla Housing Finance | 7.75% onwards | 30 years |
| Tata Capital Housing Finance | 8.80% onwards | 20 years (salaried) |
| Shriram Housing Finance | 8.41% onwards | 25 years |
| L&T Finance / Housing | 8.75% – 12.50% | 25 years |
All rates and tenures on this page are sourced from each lender's own published page, not estimated — as of September 2026. They're the lender's general published figures, not a number confirmed for a specific applicant: actual offer depends on credit score, loan amount, income profile and documentation, and only a handful of lenders publish an NRI-specific rate separately from their resident rate. Six lenders on our panel — DBS Bank, Sammaan Capital, Godrej Housing Finance, Aavas Financiers, Poonawalla Housing Finance, Muthoot Housing Finance, Fedbank Financial Services — don't publish a public rate card and aren't shown above; current terms for these are available on request via WhatsApp.
LAP and commercial property loan rates vary more by lender than home loan rates do, and fewer lenders publish a public card for them. We've sourced SBI, HDFC Bank and ICICI Bank for these products — see the NRI Loans hub for that comparison, or the individual product guides once published. For any lender not shown there, current terms are available on request via WhatsApp.
Published rates are the lender's advertised range. Your actual rate depends on credit score, loan amount, income documentation and the lender's internal risk assessment at the time you apply — it can land anywhere in (or occasionally outside) the published band.
Not necessarily. Processing fees, prepayment charges, LTV flexibility, and how well a lender handles NRI-specific documentation (POA, overseas income verification) all affect the real cost and experience — not just the headline rate.
PSU banks typically have lower entry rates but can be slower and more document-heavy for overseas applicants. Private and international banks often move faster and have dedicated NRI desks, usually at a modest rate premium. The right fit depends on your priority — cost or speed.
Rates shown here are checked periodically against each lender's published page. Given how often banks revise rates, always confirm the current figure with us or the lender directly before making a decision.