Bank of India
7.10% p.a. onwards
Max tenure 30 yrsFee 0.25% of loan amount (min ₹1,500, max ₹20,000)
Home Loan in Bengaluru
Compare home loan interest rates from 40+ banks and housing finance companies lending in Bengaluru (Bangalore). India's largest tech-employment hub (ORR, Whitefield, Manyata, Electronic City), with Namma Metro expansion and the airport corridor pushing growth north. See rates, fees, popular localities, Karnataka stamp duty and EMI before you choose, and Butter Money handles the paperwork until disbursal.
- 40+ Lenders
- Competitive Rates
- Expert Assistance
%
Rates from
7.10%
p.a.*
Max tenure
32 yrs
most lenders
Max funding
90%
loans up to ₹30 L
Lenders
32
in Bengaluru
*Lowest advertised rate across lenders · Rates updated 3 Nov 2026 · Final pricing depends on your credit profile, income, loan amount and property.
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Top Home Loan Offers in Bengaluru
Lowest starting rates this month from lenders active in Bengaluru.
LIC Housing Finance
7.15% p.a. onwards
Max tenure 30 yrsFee ₹15,000 + GST
Union Bank of India
7.15% p.a. onwards
Max tenure 30 yrsFee ₹10,000 + GST
Bajaj Housing Finance
7.20% p.a. onwards
Max tenure 30 yrsFee ₹5,000 + GST
Compare Home Loan Rates in Bengaluru
Indicative starting rates, fees and funding limits · updated 3 Nov 2026
| Lender | Rate (p.a.) | Processing fee | Max tenure | Max LTV | Action |
|---|---|---|---|---|---|
| Bank of IndiaPublic sector bank | 7.10% | 0.25% of loan amount (min ₹1,500, max ₹20,000) | 30 yrs | 75% | Check → |
| LIC Housing FinanceHousing finance company | 7.15% | ₹15,000 + GST | 30 yrs | 90% | Check → |
| Union Bank of IndiaPublic sector bank | 7.15% | ₹10,000 + GST | 30 yrs | 75% | Check → |
| Bajaj Housing FinanceHousing finance company | 7.20% | ₹5,000 + GST | 30 yrs | 90% | Check → |
| Canara BankPublic sector bank | 7.20% | ₹10,000 + GST | 30 yrs | 75% | Check → |
| Central Bank of IndiaPublic sector bank | 7.20% | ₹10,000 + GST | 30 yrs | 75% | Check → |
| Punjab National BankPublic sector bank | 7.20% | ₹5,000 + GST | 30 yrs | 75% | Check → |
| Bank of MaharashtraPublic sector bank | 7.25% | Nil | 30 yrs | 75% | Check → |
| Federal BankPrivate bank | 7.25% | ₹20,000 + GST | 30 yrs | 85% | Check → |
| South Indian BankPrivate bank | 7.25% | ₹15,000 + GST | 30 yrs | 80% | Check → |
| Punjab & Sind BankPublic sector bank | 7.30% | 0.10% of loan amount | 30 yrs | 75% | Check → |
| Axis BankPrivate bank | 7.35% | ₹10,000 + GST | 30 yrs | 80% | Check → |
| Bank of BarodaPublic sector bank | 7.35% | ₹4,130 + GST | 30 yrs | 75% | Check → |
| IDBI BankPrivate bank | 7.35% | ₹15,000 + GST | 30 yrs | 75% | Check → |
| ICICI BankPrivate bank | 7.40% | ₹5,000 + GST | 30 yrs | 80% | Check → |
| HDFC BankPrivate bank | 7.45% | ₹10,550 + GST | 30 yrs | 88% | Check → |
| HSBC BankForeign bank | 7.45% | ₹10,000 + GST | 25 yrs | 80% | Check → |
| State Bank of IndiaPublic sector bank | 7.50% | Salaried customer max: ₹15,000 + GST | 30 yrs | 75% | Check → |
| TATA CapitalNBFC | 7.60% | ₹12,000 + GST | 30 yrs | 90% | Check → |
| L&T FinanceNBFC | 7.65% | ₹10,000 + GST | 30 yrs | 75% | Check → |
| IDFC FIRST BankPrivate bank | 7.75% | 1.50% + GST | 32 yrs | 80% | Check → |
| Mahindra FinanceHousing finance company | 8.00% | 0.50% + GST | 30 yrs | 80% | Check → |
| Godrej FinanceHousing finance company | 8.34% | ₹11,000 + GST | 30 yrs | 80% | Check → |
| YES BankPrivate bank | 8.35% | ₹5,000 + GST | 30 yrs | 80% | Check → |
| IndusInd BankPrivate bank | 8.45% | 0.125% of loan amount + GST | 30 yrs | 90% | Check → |
| Navi FinservNBFC | 8.45% | ₹0 + GST | 30 yrs | 90% | Check → |
| DBS BankForeign bank | 8.70% | ₹10,000 + GST | 30 yrs | 90% | Check → |
| Truhome FinanceHousing finance company | 9.50% | 1% + GST | 30 yrs | 80% | Check → |
| Piramal FinanceNBFC | 9.90% | 1% + GST | 30 yrs | 80% | Check → |
| Utkarsh Small Finance BankSmall finance bank | 11.00% | 0.10% of loan amount | 30 yrs | 75% | Check → |
| Vridhi FinservHousing finance company | 12.00% | — | 30 yrs | 75% | Check → |
| Vastu Housing FinanceHousing finance company | 12.50% | ₹3,000 + GST | 20 yrs | 80% | Check → |
LTV shown within RBI limits: up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh.Compare all lenders →
Bengaluru Home Market: What Buyers Should Know in 2026
Bengaluru was one of the few big markets to grow both sales and launches in 2026, with Anarock reporting a 12% YoY rise in Q3 sales. North Bengaluru (Hebbal, Yelahanka, Hennur) was the fastest-growing corridor in H1 2026 per Knight Frank, while South Bengaluru still accounts for the largest share of launches and sales.
16,670
residential sales, Q3 2026 (Jul–Sep)
+12% YoY17,720
new launches, Q3 2026 (Jul–Sep)
+17% YoY₹9,354/sq ft
avg. price, H1 2026 (Jan–Jun)
+9% YoY43,140
residential sales (9 months), Jan–Sep 2026
+5% YoYSource: Anarock; Knight Frank India.
Popular Areas to Buy a Home in Bengaluru
Choose by budget, commute and employment hub, not just popularity.
| Area | Price (₹ / sq ft) | Connectivity | Best for |
|---|---|---|---|
| Whitefield | ₹13,400–14,100 | Namma Metro Purple Line; ITPL / EPIP tech parks | IT professionals in East Bengaluru |
| Hebbal | ₹14,450 (avg) | Outer Ring Road + Airport Road (NH 44) junction | Premium buyers wanting airport and CBD access |
| Thanisandra | ₹11,500 (avg) | Near Manyata Tech Park; Thanisandra Main Road to ORR | Manyata Tech Park employees |
| Hennur | ₹10,350 (avg) | Hennur Road to ORR; close to Manyata | Mid-segment families in North Bengaluru |
| Yelahanka | ₹10,350 (avg) | Airport Road; Yelahanka railway junction | Airport-corridor buyers; fastest price growth (+18% YoY per Knight Frank H1 2026) |
| Devanahalli | ₹9,500–10,200 | Next to Kempegowda International Airport | Long-term investors and plotted development |
| Bannerghatta Road | ₹12,450 (avg) | Links to NICE Road and Electronic City; Pink Line metro under construction | South Bengaluru families |
| Electronic City | ₹7,200–7,700 | Namma Metro Yellow Line; Hosur Road elevated expressway | Budget buyers and first-time buyers working in E-City |
Indicative asking/weighted-average rates from HomeBazaar (page updated 22 Oct 2026) and Housing.com price trends (2026); portal figures, not transaction data. Sarjapur Road price not verified, so it is left out.
Home Loan for Different Property Types in Bengaluru
What lenders check before they fund each kind of property.
Ready to move
Full disbursal at registration. Lenders check the occupancy certificate, e-khata and title.
Under construction
Paid in stages as the building rises. The project must be K-RERA registered; check which banks have approved it.
Resale
Lenders verify the title chain, encumbrance certificate and that the e-khata is in the seller's name.
Plot + construction
Most banks fund only A-khata plots in approved (BDA/BMRDA) layouts; funding limits are usually lower than for flats.
RERA registration is not the same as bank approval.
Check a project on Karnataka Real Estate Regulatory Authority (K-RERA), then ask us which lenders have approved it.
Home Buying Costs in Bengaluru
Karnataka charges on a ₹1 crore home (male buyer)
Stamp Duty (5%)₹5,00,000
Cess on Duty (10%)₹50,000
Municipal Surcharge (2%)₹10,000
Registration (2%)₹2,00,000
Total government charges₹7,60,000
CERSAI registration: One-time fee when the lender records the mortgage on CERSAI: ₹50 for loans up to ₹5 lakh, ₹100 above (plus GST).
GST on under-construction homes: 1% for affordable housing (up to 60 sq m carpet in metros / 90 sq m elsewhere and value up to ₹45 lakh), 5% for other homes; no GST on ready homes with an occupancy certificate.
Legal & technical checks: Lenders usually charge a small one-time fee for an independent title check and a property valuation; it varies by lender and is sometimes part of the processing fee.
Mortgage (MODT) stamp duty: 0.5% of the loan (minimum ₹500).
Mortgage registration: 0.1% of the loan (minimum ₹200, maximum ₹25,000).
Also plan for the down payment, processing fee, legal & technical checks, mortgage registration (MODT), CERSAI and GST on under-construction homes.
Effective from 31 Aug 2025 · Source: Department of Stamps and Registration, Karnataka
Calculate stamp duty for your home →Bengaluru Home Loan EMI Calculator
Starts at the lowest Bengaluru rate. Move the sliders to see how the loan amount, rate and tenure change your EMI.
₹1,00,00,000
₹10,00,000₹10,00,00,000
%7.1
6%20%
Yrs15
1 Yr30 Yrs
YOUR MONTHLY EMI
₹90,443
for 15 years at 7.1% p.a.
Principal amount
₹1,00,00,000
Total interest
₹62,79,709
Total amount payable₹1,62,79,709
Illustrative calculation based on the selected rate. The rate defaults to 7.1% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
Home Loan & Housing Schemes in Karnataka
Central
PMAY-U 2.0 interest subsidy
Eligible EWS/LIG/MIG households can get an interest subsidy on their first home loan. Check current eligibility before applying.
Official scheme details ↗Bengaluru
BDA housing projects (flats & site auctions)
Bengaluru Development Authority sells government-built flats and auctions sites; in 2026 BDA announced 4,251 flats across six projects (~₹3,200 cr).
Official scheme details ↗Karnataka
B-khata to A-khata conversion scheme
Time-bound scheme run through the Greater Bengaluru Authority (GBA) corporations to regularise eligible B-khata plots/single-unit buildings into A-khata for a fee on guidance value; fee and deadline have been revised in 2026, so verify current terms.
Official scheme details ↗Karnataka
Karnataka Housing Board (KHB) schemes
State housing board allots plots, flats and duplex homes by income category, including a 2026 duplex housing plan in Bengaluru.
Official scheme details ↗How to Apply for a Home Loan in Bengaluru
- 1
Check eligibility
Soft check, no CIBIL impact
- 2
Compare lenders
Offers from 40+ lenders
- 3
Shortlist property
RERA, title and local approvals
- 4
Submit documents
Digital, one upload
- 5
Sanction & disbursal
Legal and technical check, then disbursal
Bengaluru Home Loan FAQs
What is the lowest home loan interest rate in Bengaluru?
Home loan rates in Bengaluru start from 7.10% p.a. (Bank of India) as of 3 Nov 2026. Your rate depends on your CIBIL score, income, loan amount and the property.
Which banks give home loans in Bengaluru?
Public sector banks, private banks and housing finance companies all lend in Bengaluru, including Bank of India, LIC Housing Finance, Union Bank of India, Bajaj Housing Finance, Canara Bank, Central Bank of India. Butter Money compares 32 lenders for your profile.
What is the maximum home loan tenure in Bengaluru?
Lenders in Bengaluru offer up to 32 years, limited by your age when the loan ends (usually 60–70 years).
What is the difference between A-khata and B-khata in Bengaluru?
An A-khata is issued for properties that meet building bye-laws and layout approvals. A B-khata records properties with irregularities, such as unapproved layouts or revenue land, mainly for property tax. Most banks lend only on A-khata (e-khata) properties.
Is e-khata mandatory for property registration in Bengaluru?
Yes. Properties under the city corporations need an e-khata (a digitised khata) before they can be registered. Buyers should check that the e-khata is in the seller's name before signing the sale deed.
How do I check if a Bengaluru project is RERA-registered?
Search for the project or promoter on the K-RERA portal (rera.karnataka.gov.in). Lenders generally require RERA registration before funding an under-construction project.
Can I get a home loan for a BDA flat or site?
Yes. BDA allotments have clear title from a government authority, and most banks finance them once the allotment letter and possession or lease-cum-sale documents are issued.
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