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India Published Loan Rates
Home loans commonly 15–20 years; floating rates linked to repo/RLLR.
INR Active Currency
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Lowest Published APR
8.50%
Best rate benchmark currently on record
Market Average APR
10.40%
Mean across tracked lending products
Available Products
6 Benchmarks
Fixed, variable & personal credit
Statutory System
External Benchmark Lending Rate (EBLR) home loan
Verified statutory framework
India Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
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Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🚗 Auto Loan | 5 Years (60 mo) | 9.20% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🏠 Mortgage | 20 Years (240 mo) | 8.50% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
👤 Personal Loan | 3 Years (36 mo) | 13.50% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
India Repo-Linked Home Loan Average
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🏠 Mortgage | 20 Years (240 mo) | 8.50% | variable | Active Benchmark | Calculate → |
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India Personal Loan Benchmark
|
👤 Personal Loan | 3 Years (36 mo) | 13.50% | fixed | Active Benchmark | Calculate → |
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India Car Loan Benchmark
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🚗 Auto Loan | 5 Years (60 mo) | 9.20% | fixed | Active Benchmark | Calculate → |
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India Underwriting Guidelines
Statutory Borrowing Rule
RBI guidelines: 75%–90% max LTV based on loan ticket size, 40%–50% FOIR cap
Mortgage System
External Benchmark Lending Rate (EBLR) home loan
Default Insurance / Guarantee
Standard lender risk provisions apply.
Regulatory Reference