Home Loan Done Right , Best Rate, Right Tenure
Most Indians overpay on their home loan by ₹5–10 lakhs over the tenure. Not because rates are bad. Because they compared only one bank.
DealPlexus compares 15+ banks and HFCs , HDFC, SBI, ICICI, Axis, Kotak, PNB Housing , finds your best rate, structures the right tenure, and makes sure you claim every rupee of tax benefit you're legally entitled to.
Current home loan rates start at 8.40% p.a. , but the rate you get depends on who compares for you.
Why DealPlexus, Not Your Bank's Relationship Manager
Your bank's RM has one product to sell: their bank's loan. DealPlexus has 15+.
Access to 15+ banks and HFCs
HDFC Bank, SBI, ICICI Bank, Axis Bank, Kotak Mahindra Bank, LIC Housing Finance, PNB Housing Finance, Bank of Baroda, and more
Side-by-side rate comparison
Same loan amount, same profile, real numbers from real lenders
Transparent fee disclosure
Processing fees, legal charges, technical valuation costs , all shown upfront, nothing buried in sanction letters
Zero broker commission from you
DealPlexus earns from lenders, not borrowers
Dedicated advisor, not a call centre
One financial professional assigned to your file
End-to-end documentation support
From pre-application to disbursement
BankBazaar and PaisaBazaar show you rates. We get you the rate.
Why Getting This Wrong Costs You ₹5–10 Lakhs
Here is what happens when a salaried professional takes the first home loan offer they see:
Scenario: ₹60 lakh loan, 20-year tenure
| Choice | Rate | EMI | Total Interest Paid |
|---|---|---|---|
| First bank approached | 9.25% | ₹55,050 | ₹72.1 lakhs |
| DealPlexus-matched rate | 8.50% | ₹52,151 | ₹65.2 lakhs |
| Difference | 0.75% | ₹2,899/month | ₹6.9 lakhs saved |
First bank approached
Rate
9.25%
EMI
₹55,050
Total Int.
₹72.1 lakhs
DealPlexus-matched rate
Rate
8.50%
EMI
₹52,151
Total Int.
₹65.2 lakhs
Difference
Rate
0.75%
EMI
₹2,899/month
Total Int.
₹6.9 lakhs savedThat 0.75% difference is not theoretical. It is the gap between the rate a bank gives a walk-in customer and the rate a well-structured application with multiple lender bids gets.
What else goes wrong when you go it alone:
Wrong tenure selection , most people pick 20 years when 15 costs dramatically less in total interest
Missing Section 80C deduction: ₹1.5 lakh per year on principal repayment
Under-loan or over-loan relative to actual eligibility
Choosing a lender with high prepayment penalties when you plan to close early
These are not rare mistakes. They happen to most first-time buyers.
Four Products. Different Purposes. One Application
First home purchase, renovation, NRI property, or balance transfer , each home loan product serves a different need. Choosing the wrong product costs 1–2% more in interest. We make sure you get the right loan structure for your situation.
Complexity
Rate Range
8.40%–9.15% p.a.
LTV / Limit
Up to 80%
Tenure
Up to 30 years
First Home Loan , Purchase, Construction, Resale & Under-Construction
Salaried professionals and self-employed individuals buying their first property. DealPlexus matches your income profile, employer/business category, and credit score to the lender most likely to approve at the lowest rate , before you apply anywhere. We structure the loan amount, tenure, and lender combination to minimize total interest outflow while meeting your cash flow needs.
Risk: Secured against property. Default risk if income disruption occurs. Lender foreclosure process follows SARFAESI Act.
Cost: 8.40%–9.15% p.a. depending on lender, credit score, LTV, and employment profile. Salaried customers get better rates.
Timeline: Pre-approval: 48–72 hours. Full disbursement: 7–14 working days post-document submission and property verification.
Suited for: First-time home buyers. Salaried professionals with stable income. Self-employed with documented income. Ready possession, under-construction, or resale properties.
We don't just find a lender. We structure the loan that fits your life.
Complexity
Rate Range
8.60%–9.50% p.a.
LTV / Limit
Up to ₹50 lakhs
Tenure
Up to 15 years
Home Improvement / Renovation Loan , Extend, Renovate & Upgrade
Homeowners looking to renovate, extend, add a floor, or upgrade their existing property. Most renovation loans are mis-sold as personal loans at 12–18% when a secured improvement loan at 8–9% is available against the same property. We make sure you get the right product , secured improvement loan, not personal loan.
Risk: Secured against existing property. Risk of over-leverage if renovation does not proportionally increase property value.
Cost: 8.60%–9.50% p.a. , significantly lower than personal loans (12–18%) often pushed for renovation.
Timeline: 7–14 working days. Faster than fresh purchase loans since property documents already exist with lender.
Suited for: Existing homeowners funding renovations. Extensions, floor additions, interior upgrades, repairs. Loan against already-owned property.
Stop using personal loans for renovation. Secured loans cost 4–8% less.
Complexity
Rate Range
8.50%–9.25% p.a.
LTV / Limit
Up to ₹5 Cr+
Tenure
Up to 20 years
NRI Home Loan , Property Purchase in India for NRIs & PIOs
Non-Resident Indians buying property in India , for personal use, family use, or investment. NRI home loan eligibility, FEMA compliance, and repatriation rules are complex. Our advisors handle the full process , from property due diligence to RBI-compliant disbursement. NRI loans have stricter income documentation requirements but most lenders offer them.
Risk: Secured against Indian property. Additional forex risk if repaying from foreign income. RBI compliance required for NRE/NRO accounts.
Cost: 8.50%–9.25% p.a. Slightly higher than resident loans but still competitive. Some lenders offer NRI-specific products.
Timeline: 14–21 days. Longer due to additional documentation , passport, visa, NRE/NRO account statements, power of attorney.
Suited for: NRIs/PIOs buying residential property in India. Self-use or investment. Property must be in India. Repayment from NRE/NRO or Indian income.
FEMA compliance, property due diligence, lender selection , handled end to end.
Complexity
Rate Range
8.40%–8.90% p.a.
LTV / Limit
Top-up available
Tenure
Balance tenure
Home Loan Balance Transfer , Switch Lenders, Reduce Rate, Access Top-Up
Existing home loan borrowers paying above 9.25% who want to shift to a lower rate. If you took a home loan 3–5 years ago and have not reviewed the rate since, you are likely overpaying. A balance transfer can save ₹2–5 lakhs over the remaining tenure with negligible switching cost. Plus, top-up loans for additional needs become available.
Risk: Switching cost (processing fees, legal charges). Prepayment penalty from existing lender if on fixed rate. Reset clauses on new floating rate.
Savings: 0.50%–1.00% rate reduction saves ₹2–5 lakhs on ₹50 lakh loan over 15 years. Top-up at same rate available.
Timeline: 15–30 days. Property documents need to be transferred from old lender to new lender. Legal verification repeated.
Suited for: Existing borrowers paying 9.25%+ when market rates are 8.40%–8.75%. Those needing top-up for other needs. Loan tenure 15+ years remaining.
If your rate is above 9%, you're likely overpaying. We can fix that.
Check Your Home Loan Eligibility
Takes 3 minutes. No credit score impact. No commitment.
Your eligibility depends on income, existing liabilities, credit score, employment type, and the property. Tell us the basics , we show you what you qualify for across 15+ lenders before you fill a single bank form.
Share basics
income, employment, property value
Get matched
across 15+ lenders
Choose & proceed
best rate, right tenure
Share basics
income, employment, property value
Get matched
across 15+ lenders
Choose & proceed
best rate, right tenure
Rates & EMIs
Indicative Rate Comparison (February 2026)
| Lender | Rate (Salaried) | Rate (Self-Employed) | Processing Fee |
|---|---|---|---|
| SBI | 8.50%–9.15% | 8.65%–9.30% | 0.35% (min ₹2,000) |
| HDFC Bank | 8.45%–9.20% | 8.60%–9.35% | Up to 0.50% |
| ICICI Bank | 8.75%–9.30% | 8.90%–9.50% | 0.50%–2% |
| Axis Bank | 8.75%–9.10% | 8.90%–9.25% | Up to 1% |
| Kotak Mahindra | 8.70%–9.00% | 8.85%–9.15% | 0.50% |
| PNB Housing Finance | 8.50%–9.75% | 8.75%–10.00% | Up to 0.50% |
| LIC Housing Finance | 8.40%–9.00% | 8.65%–9.25% | Up to 0.50% |
Rates are indicative and subject to change. Actual rate depends on credit score, LTV, employer profile, and lender policy at time of application.
EMI Illustration , ₹50 Lakh Loan
Monthly EMI across tenures and interest rates , so you can plan before you apply.
| Tenure | Rate 8.50% | Rate 9.00% | Rate 9.50% |
|---|---|---|---|
| 10 years | ₹61,993 | ₹63,338 | ₹64,706 |
| 15 years | ₹49,282 | ₹50,713 | ₹52,174 |
| 20 years | ₹43,459 | ₹44,986 | ₹46,549 |
| 25 years | ₹40,149 | ₹41,779 | ₹43,463 |
| 30 years | ₹38,447 | ₹40,231 | ₹42,075 |
EMIs calculated on reducing balance basis. Figures are illustrative , final EMI depends on exact disbursement date and lender-specific computation.
Home Loans
Get the Best Home Loan Rate in 3 Minutes
First Home · Home Improvement · NRI Home Loan · Balance Transfer , Compare rates from 15+ banks and HFCs. Advisory-led. End-to-end support.
Rates From
8.40% p.a.
Lenders
15+
Professionals
30,756+
Check Your Home Loan Eligibility , Free
Takes 3 minutes. No credit score impact. No commitment. Your eligibility depends on income, existing liabilities, credit score, and the property. Tell us the basics , we show you what you qualify for across 15+ lenders.
3 minutes. No obligation. Professional Investment Advisor. RBI Compliant.
DealPlexus , India's Financial Supermarket | Professional Investment Advisor | RBI Compliant | Gurgaon HQ: 443, 4th Floor, Tower A2, Spaze iTech Park, Sohna Road, Gurgaon 122001 | support@dealplexus.com | +91 7428100654
DealPlexus | India's Financial Supermarket | Professional Investment Advisor | RBI Compliant. All loan products are subject to lender approval and applicable regulations. Please read all terms and conditions carefully before applying.