Home loan rates are at a 4-year low in 2026. Compare EMI, fees, GST, insurance & true total cost across all major banks. Download your full comparison as PDF.
7.20%
Lowest Rate (BoB)
5.25%
RBI Repo Rate
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📅 Rates updated May 7, 2026 · RBI Repo Rate: 5.25% p.a. · All home loan rates are RLLR/EBLR-linked
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Quick-Load Bank Presets – May 2026
Tap to auto-fill with latest indicative home loan rates
* Indicative rates for salaried borrowers, CIBIL 750+. Actual rates vary by profile. Verify with lender.
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📄 Download Comparison Report as PDF
Arthzo.com · Loan Comparison Report
Generated: May 2026 · RBI Repo Rate: 5.25%
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Full Loan Comparison — May 2026
All costs include processing fee, 18% GST on fee, and insurance
Monthly EMI Comparison
Principal vs Interest (Best Loan)
Total Cost Breakdown
Amortisation — Best Loan
💡 Get the Best 2026 Loan Rate for Your Profile
Home loan rates are at 4-year lows. Lock in the best rate now — our experts compare 50+ lenders free of charge.
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Your Financial Profile
Calculate your safe borrowing limit at 2026 rates
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Affordability Score
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Safe EMI Range
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Max Affordable Loan at 2026 Rates
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At safe EMI, 40% DTI guideline
Safe (0–30%)--Danger (>60%)
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Your 2026 Eligibility Report
Get Your Free Loan Quote — 2026
Rates are at 4-year lows. Lock in before rates change.
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Prepayment Calculator
See how extra payments slash interest in 2026
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Prepayment Impact
Total Interest Saved
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Balance: With vs Without Prepayment
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Fixed vs Floating Rate — 2026
RBI cut repo rate 125bps. Floating rates now very attractive.
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Bank Interest Rates — May 2026
RBI Repo Rate 5.25% · All rates RLLR/EBLR-linked · Updated 7 May 2026
⚠️ All rates are indicative for May 2026. Actual rate depends on CIBIL score, loan amount, employment type, and lender's credit policy. Always verify directly with the lender before applying.
📚 Loan Knowledge Hub — 2026
📉 Why 2026 is a Great Time to Borrow
The RBI cut its repo rate by 125 basis points from the 6.5% peak to 5.25% by May 2026. Home loan rates from top banks have fallen to their lowest level in 4 years — starting from 7.20% p.a. Borrowers with CIBIL 750+ are in a strong position to negotiate rates.
✅ 5 Golden Rules to Choose the Best Loan in 2026
Compare total cost, not just EMI
Prefer RLLR-linked loans for faster rate cut benefits
Check prepayment penalty — most floating loans are penalty-free
Negotiate processing fees (often waived for CIBIL 750+)
Consider shorter tenure — rates are low, build equity faster
📊 Fixed vs Floating in 2026 — Our View
With the RBI repo rate at 5.25% and expected to remain stable or fall slightly, floating rates are strongly favoured in 2026. Fixed rates at 8.50%+ are uncompetitive when floating rates start at 7.20%. Only opt for fixed if you expect significant rate rises — unlikely in the near term.
🎯 Safe Debt-to-Income Ratio in 2026
Banks in 2026 follow RBI's FOIR (Fixed Obligation to Income Ratio) guidelines — total EMIs should not exceed 40–55% of gross income. With lower rates, the same income can now support a higher loan amount. A CIBIL 750+ profile with DTI below 40% qualifies for the best rates.
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Frequently Asked Questions — 2026
What is the current RBI repo rate in May 2026?
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The RBI repo rate as of May 2026 is 5.25% p.a., down from the 6.5% peak. The RBI has cut rates by 125 basis points to support economic growth and ease borrower burden. Home loan rates are now at 4-year lows, starting from 7.20% p.a. (Bank of Baroda, PNB).
Which bank has the lowest home loan rate in May 2026?
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Bank of Baroda (7.20% p.a.) and PNB (7.45% p.a.) offer the lowest home loan rates in May 2026 for salaried borrowers with CIBIL 750+. SBI offers 7.50% p.a. HDFC Bank starts at 7.90% p.a. ICICI Bank offers competitive rates starting at 7.50% for pre-approved customers.
How is EMI calculated for a home loan?
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EMI = P × R × (1+R)^N ÷ ((1+R)^N – 1), where P = loan principal, R = monthly rate (annual ÷ 12 ÷ 100), N = tenure in months. Example: ₹50L at 7.50% for 20 years gives EMI ≈ ₹40,280/month — saving ~₹3,100/month vs 2025 rates of 8.50%.
What is the actual total cost of a loan?
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Total cost = All EMIs (principal + interest) + Processing fee + 18% GST on processing fee + Insurance premium + prepayment charges if applicable. Most borrowers miss the processing fee and insurance, which can add ₹60,000–₹2,00,000 to the true cost of a ₹50L loan.
Should I choose fixed or floating rate in 2026?
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In 2026 with RBI repo at 5.25%, floating rates are strongly favoured. Fixed rates at 8.50%+ are not competitive. Choose floating RLLR/EBLR-linked loans to benefit from current low rates and any further cuts. Only choose fixed if you strongly expect rates to rise by 100+ bps in 3–5 years.
Can I download my loan comparison as a PDF?
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Yes! After comparing loans, click "Download PDF" at the top of the results section. You can choose between Landscape (ideal for wide comparison tables) or Portrait mode. The PDF includes your full comparison table, EMI chart, cost breakdown, pie chart, and amortisation graph — perfect for sharing with a financial advisor.
