Ranked by real, individually-verified effective interest rate — not a benchmark spread, and not the bulk-imported data this app used to show for home loans.
The Top 10
Real rates, not benchmark spreads
This app's home loan data was previously bulk-imported and never individually checked. Every lender here was freshly researched — resolved to its current effective all-in rate (banks almost universally quote home loans as a benchmark-plus-spread, not a flat number), confirmed as currently open for applications, and cross-checked against its own official rate sheet where one was published.
A "+" after a rate means that lender only discloses a floor rate with no published ceiling. The floor rate itself usually requires a strong credit profile (CIBIL 800+ is common) — check each lender's own eligibility criteria before assuming you'd qualify for the number shown.
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