Home Loan Interest rates in all Banks

Bank Name	Floating Interest rate	Per lac EMI	Processing Fee	Prepayment Charges	% Change in last 6 mths
State Bank Of India	10.05%	Rs.968	Up to 25 lacs : 0.125% of loan amount minimum Rs.1000/- 25-75 lacs : Rs.3,250/- 75 & above : 5,000/-	Nil	No Change
ICICI Bank	10.40%	Rs.992	0.50% of loan amount upto 1 crore	N.A	2.46%
HDFC Ltd	10.40%	Rs.992	0.5% or maximum 10,000+service tax (12.36%)	No prepayment charges shall be payable for partial or full prepayments irrespective of the source	2.46%
HSBC Bank	11% - 11.25%	Rs.1032 - Rs.1049	1% of the loan amount applied for, subject to a minimum of Rs 10000 plus service tax. This fee is payable on application and is not refundable	Nil	N.A
LIC Housing	10.35% (for female applicants) or 10.60% (for male applicants)	Rs.988 (for female applicants) or Rs.1005 (for male applicants)	Up to 50 lacs : 10,000 +(Service tax) 50 lacs & above : 15,000 +(service tax)	Nil	No Change
AXIS Bank	10.25% (Upto 25 Lacs), then 10.75%	Rs.982 (Upto 25 Lacs), then Rs.1015	0.5% of the loan amount (Max. 10000/- + service tax for Salaried)	Nil	No Change (Upto 25 Lacs), then 1.42%
IDBI	10.25%	Rs.982	Up to .50%of loan amount (Rs 2500 to be collected at login and balance at the time of sanction )	If Balance Transfer then 2% Otherwise Nil	No Change
PNB Housing Finance	10.50% (For Salaried/SEP), 11% (SENP)	Rs.998 (For Salaried/SEP), Rs.1032 (SENP)	0.5%	NIL	No Change
ING Vysya	10.75%	Rs.1015	0.5% of the loan amount	NIL	N.A
Standard Chartered	10% (Upto 25Lacs), then 10.25% - 10.50%	Rs.965 (Upto 25Lacs), then Rs.982 - Rs.998	Rs.5500/- + Service tax	NIL	0.10% (Upto 25Lacs), then 0.98% - 2.43%
Citibank	10.75%	Rs.1015	0.25% or 5,000 + 12.36%( service tax)	NIL	4.87% (Upto 25 Lacs), then 2.38%
Deutsche Bank	10.50%	Rs.998	12000 + Service Tax	Nil	N.A
DHFL	11%	Rs.1032	1% for Salaried & 1.5% for SENP	NIL	2.32%
India Bulls	10.40% (Upto 25Lacs), then 11%	Rs.992 (Upto 25Lacs), then Rs.1032	Up to 30 lacs 5,000+12.36%(Service tax) 30 lacs & above : 15,000+12.36%(Service tax)	NIL	2.42% (Upto 25Lacs), the 2.32%
Federal Bank	10.50%	Rs.998	7,000 + Service Tax	N.A	No Change
Allahabad Bank	10.20% (Upto 25Lacs), then 10.45%	Rs.978 (Upto 25Lacs), then Rs.995	0.50% of loan amount, Maximum Rs. 10,000/-	NIL	N.A
Bank of Maharastra	10.55% (Upto 25lacs), then 10.75%	Rs.985 (Upto 25lacs), then Rs.1015	0.50% (Max. Rs. 50,000/-)	Nil	2.42% (Upto 25lacs), then 2.38%
Central Bank of India	10.25%	Rs.982	0.50% of the loan amount subject to maximum of Rs.20,000/-	Nil	2.38%
Corporation Bank	10.25%	Rs.982	0.50% of Loan amount (Max.Rs.50,000/-)	NIL	2.38%
Bank of India	10.25%	Rs.982	0.25% of loan amount. Min.Rs.1,000 and Max. Rs.20,000	Nil	2.5%
Union Bank of India	10%	Rs,965	Processing charges are 0.50% of the loan amount subject to maximum of Rs. 15,000	NIL	2.44%
United Bank of India	10.25%	Rs.982	0.50% of the loan amount	N.A	2.38%
UCO Bank	10.20%	Rs.978	0.5% of the loan amount, minimum Rs.1500/- & maximum Rs. 15000/-	NIL	N.A
Bank of Baroda	10.25%	Rs.982	Loan upto Rs.30 Lacs - 0.50% (Minimum Rs.5,000/-) Above 30 Lacs - 0.40% (Min. Rs.15,000/- & Max. Rs.50,000/-)	N.A.	N.A
Canara Bank	9.95%	Rs.962			4.78%
Oriental Bank of Commerce	10.25%	Rs.982	0.50% of the loan amount, subject to maximum of Rs. 20000/- plus service tax	NIL	No Change
Kotak Bank	10.75%	Rs.1015	0.25% - 0.5%	2% on Balance transfer else NIL	N.A
Dena Bank	10.25%	Rs.982	0.50% of sanctioned limit	N.A	0.48%
Punjab National Bank	10.25%	Rs.982			N.A
First Blue Home Finance	10.25% (for Salaried / SEP), 10.75% (For Self Employed) (Upto 25Lacs), Then 10.75% (for Salaried / SEP), 11.25% (For Self Employed)	Rs.982 (for Salaried / SEP), Rs.1015 (For Self Employed)	Salaried: Up to 30 lacs :7300 30 - 75 lacs : 11800 75 lacs & above : 15,000 + service tax(12.36%)	Nil	N.A
Vijaya Bank	10.50%	Rs.998	0.25% of loan amount. Maximum Rs.10000. Exclusive of Service Tax	N.A	N.A
Syndicate Bank	10.25%	Rs.982	upto Rs.25 lacs - 0.25% (Min Rs 1000 - Max Rs 5000) 26 lacs to 75 lacs - 0.55% (Max.Rs.500/-) above Rs.75 lacs - 0.55% (Max Rs.10000/-)	N.A	2.38%
Indian Overseas Bank	10.25%	Rs.982	A flat rate of 0.58% of the loan amount- maximum of Rs. 10,190/- There is no hidden charge. This is subject to change from time to time without prior intimation.	N.A	N.A
Development Credit Bank	11.50%	Rs.1066	1%	Nil	N.A
State Bank of Travancore	10.25%-10.50%	Rs.982 - Rs.998	Processing fees stands reduced by50% of normal charges during the campaign period	NIL	N.A
Tata capital Housing Finance ltd	10.75%	Rs.1015	0.5 to 1% off the loan amount.	N.A	N.A
Dhanalakshmi Bank	Scheme I: 11.50% (Fixed for 1 yr), Then 12% Scheme II: 12%	Scheme I: Rs.1066 (Fixed for 1 yr), Then Rs.1101 Scheme II: Rs.1101	1% + service tax	N.A	N.A
Indian Bank	10.20%	Rs.978	Nil	Nil	No Change

http://www.deal4loans.com/home-loans-interest-rates.php

Personal Loan interest rates

Banks/Rates	Salaried
	CAT A	CAT B	Others	Pre Payment Charges	Processing Fees
ICICI Bank	13.99% - 14.75% (For Special Companies) 15.50% (Salary Above 75,000) 16% (Salary 50,000 -75,000) 17% (Salary 30,000 -50,000) 18.25% (Salary 20,000 -30,000) 18.50% (Less Than 20,000)	15.50% (Salary Above 75,000) 16% (Salary 50,000 -75,000) 17% (Salary 30,000 -50,000) 18.25% (Salary 20,000 -30,000) 18.50% (Less Than 20,000)	15.50% (Salary Above 75,000) 16% (Salary 50,000 -75,000) 17% (Salary 30,000 - 50,000) 18.25% (Salary 20,000 -30,000) 18.50% (Less Than 20,000)	5%	2% - 2.25%
HDFC Bank	13.99% - 14.75% (For Special Companies) 15.75% (for 75,000 & above salary) 16.25% (for 50,000-75,000 salary) 16.75% (for 35,000-50,000 salary) 17.75% (below 35,000 salary) 12.99% - 14% (Special Rates for Loan Amount b/w 10lacs - 20lacs)	15.75% (for 75,000 & above salary) 16.25% (for 50,000-75,000 salary) 16.75% (for 35,000-50,000 salary) 17.75% (below 35,000 salary) 12.99% - 14% (Special Rates for Loan Amount b/w 10lacs - 20lacs)	20%	4%	0.8% - 1.75% (for Special Companies) 2% (HDFC
Bajaj Finserv	15% - 16%	16%	16.50% - 17%	Nil Prepayment	Upto 2%
ING Vysya	13.99% (for 1lac & above salary) 14.25% (for 75,000 - 1lac salary) 15.75% (for 40,000 - 75,000 salary) 17.25% (for 30,000 - 40,000 salary 0.5% Waiver for Ing Salary Account Holder)	13.99% (for 1lac & above salary) 14.50% (for 75,000 - 1lac salary) 16.25% (for 40,000 - 75,000 salary) 17.25% (for 30,000 - 40,000 salary 0.5% Waiver for Ing Salary Account Holder)	14.99% (for 75,000 & above salary) 16.75% (for 40,000 - 75,000 salary) 18.25% (for 25,000 - 40,000 salary 0.5% Waiver for Ing Salary Account Holder)	Nil Foreclosure Charges Special Offer. Valid till (30th Sept'13	1.5% (For ING Salary Account Holder), other wise 1.75% - 2%
Kotak Bank	13.99% (For Special Companies) 15%	16.50%	18% - 19%	4%	0.75% (for Special Companies) else 2%
State Bank of India/SBI (SBI Saral)	18.25%	18.25%	18.25%	N.A	N.A
Fullerton India	16% - 32%	16% - 32%	16% - 32%	4%	2%
Standard Chartered Bank	16% - 17%	17% - 18%	19% - 22%	2% - 5%	2%
HDBFS	16% (for 75,000 & above salary) 17% (for 35,000 - 75,000 salary) 18% (below 35,000 salary)	16% (for 75,000 & above salary) 17% (for 35,000 - 75,000 salary) 18% (below 35,000 salary)	17% (for 75,000 & above salary) 18% (for 35,000 - 75,000 salary) 21% ( below 35,000 salary)	NIL for Select Corporates Employees (CAT A & B) 4% For Rest	1% - 2%
Citibank	16% (upto 30,000 salary) 15% (above 30,000 salary)	17% ( upto 30,000 salary) 16% (above 30,000 salary)	17% (upto 30,000 salary) 16% (above 30,000 salary)	3%	1% - 2%
Axis Bank	15% (For Super CAT A) 16% (For CAT A)	17%	19% - 20%	Nil	2%
Andhra Bank	15.75% - 16.75%	16.75% - 18.75%			Rs250 - Rs1000/-
Bank of Baroda	14.75%	14.75%
Corporation Bank	14.50% ((undertaking letter required) )	N.A	N.A	N.A	N.A
United Bank Of India	16% (12%(For pensioners))	16% - 18% (12%(For pensioners))	16% - 18% (12%(For pensioners))	N.A.	N.A.
Vijaya Bank	16%	N.A	N.A	N.A.	N.A.
Indian Bank	13.70% - 14.20%	13.70% - 14.20%	13.70% - 14.20%	N.A	0.50% on the loan amount with min of Rs 500/-
Bank of India	15%	15%	15%	N.A	2%
Canara Bank	14.95%	14.95%	14.95%	N.A	0.25 %
Transfer your personal loan to HDFC Bank		As Low As 12.99%			Flat Processing Fee of Rs 999/-

Where CAT A refers to - Top 1000 companies CAT B refers to - Multi National Companies( MNC's ) CAT C refers to - Small companies Non Listed refers to - Smaller companies with 100 emloyees. Loan Surrogates refers to - Any running loan from any bank The factors which determine your Personal Loan interest rates are as follows: - • Income • Your Company Status • Credit and Payment history. • Relationship with the Bank you intend to take loan from. • Individual’s Negotiating Ability. Income : If your Income is above a certain limit, Banks believe that your chances of not paying are lesser as you have Income to pay. Income above 75 per month usually gets some discounts from all personal loan Banks. Your Company Status : If the company you are working with is a well known corporate, the Banks feel that you are less likely to shift from your job and will result in lesser defaults. Credit and Payment History : Banks follows Cibil scores/rating before deciding giving loans. If your payments forCredit Cards and Loans is not upto mark , you have the most likely chance of being rejected for the loan or the Bank will give you at a much higher rate. Relationship with Bank : The Bank where you have your Salary account/Savings account is likely to pass on you to some special rate for your personal Loans or Processing fee. Individuals Negotiating Skills : Based on your above points you can always ask Bank to give you waivers on Rates, Fees Etc.

RBI increases rate of interest subvention

To boost exports and attract dollars, the Reserve Bank of India (RBI) has decided to increase the rate of interest subvention on pre- and post-shipment rupee export credit for certain employment-oriented export sectors from two per cent to three per cent, effective August 1.

RBI has asked banks to reduce the interest chargeable on exporters according to the base rate system eligible for export credit subvention, subject to a floor rate of seven per cent. “Banks may ensure to pass on the benefit of three per cent interest subvention completely to eligible exporters,” RBI said.

“We can expect these steps to have an impact on the rupee a few months down the line. Immediately, these won’t help,” said a currency dealer with a public sector bank.

On Monday, the rupee again breached the 64-mark against the dollar, owing to month-end dollar demand from importers. It closed at Rs 64.31 a dollar, compared with its previous close of Rs 63.35, a depreciation of 1.52 per cent. During intra-day trade, it touched a high of Rs 63.65 and a low of Rs 64.75. It had opened the day at Rs 63.39. There is concern a slowing economy would make it tough to attract foreign institutional investors.

Last week, the rupee had touched an all-time low of Rs 65.56 against the dollar, after minutes of a US Federal Reserve meeting hinted the US was on course to taper its stimulus as early as next month.

Experts believe the rupee might fall further in the near term. “Current volatility and weakness, leading to fragile sentiment, have driven the currency to uncharted territory. In such an environment, the rupee could test further new lows with heightened volatility. That’s why market participants are reluctant to make near-term forecasts. However, we believe the current levels reflect the realistic value of the currency,” Rajesh Cheruvu, chief investment officer (India), RBS, said in a note to clients.

Tracking the weak rupee, government bond yields rose on Monday. The yield on the 10-year 7.16 per cent government bond ended at 8.34 per cent, compared with its previous close of 8.26 per cent. However, the auction of 48-day cash management bills for a notified amount of Rs 11,000 crore sailed through, despite the liquidity crunch in the system. The cut-off yield was 11.8936 per cent
.