Federal Bank Home Loan: Rates, Eligibility & Fees 2026
Federal Bank offers home loans to buy, build or renovate a home. Butter Money compares Federal Bank's offer with similar lenders for your profile and handles the paperwork with you until disbursal.
Interest Rate
7.25%
p.a. onwards
Processing Fee
₹20,000
+ GST
Max Tenure
30 Years
Max LTV
Up to 85%
Rates updated 13 Aug 2026 from Butter's lender rate data · Federal Bank's official rates
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What stands out with Federal Bank
- Home loan overdraft option to park surplus funds and save interest
- 0.05% lower rate when a woman is the primary applicant
- Repayment holiday (moratorium) available on under-construction homes
- Tenure up to 30 years
Federal Bank home loan at a glance
| Lender type | Private bank |
| Starting rate | 7.25% p.a. onwards |
| Products | Home loan, Plot, Construction, Balance transfer, Overdraft home loan |
| Funding (LTV) | Up to 85% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
Federal Bank Interest Rates, August 2026
By product, CIBIL score & applicant type
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| New to credit | 7.85% onwards | 7.85% onwards |
| 800 and above | 7.25% onwards | 7.25% onwards |
| 700–749 | 7.65% onwards | 7.65% onwards |
| 750–799 | 7.25% onwards | 7.25% onwards |
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| New to credit | 7.95% onwards | 7.95% onwards |
| 800 and above | 7.35% onwards | 7.35% onwards |
| 700–749 | 7.75% onwards | 7.75% onwards |
| 750–799 | 7.35% onwards | 7.35% onwards |
Starting rates for each CIBIL band. Women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and profile. Updated 13 Aug 2026.
Fees & Charges
Federal Bank vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| Federal Bank (this page) | Private bank | 7.25% onwards |
| South Indian Bank | Private bank | 7.25% onwards |
| IDBI Bank | Private bank | 7.35% onwards |
| HSBC Bank | Foreign bank | 7.45% onwards |
Federal Bank Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at Federal Bank's rates.
Illustrative calculation based on the selected rate. The rate defaults to 7.25% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh Federal Bank home loan over 20 years at 7.25% costs ₹39,519 a month, or ₹44,84,512 in total interest. Every 0.25% higher adds about ₹761 a month.
Federal Bank Home Loan FAQs
What is the Federal Bank home loan interest rate?
Federal Bank home loan rates start at 7.25% p.a. for the strongest credit profiles and rise for lower CIBIL scores, and women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and income.
Can I prepay my Federal Bank home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow Federal Bank to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will Federal Bank fund?
Federal Bank funds up to 85% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
Rates updated 13 Aug 2026 from Butter's lender rate data. Final terms are set by Federal Bank at sanction. Source: Federal Bank.