Latest bank rates.

Home, property, personal and car loan rates from 25 banks and 10 NBFCs, each linked to the lender's own page.

Checked 18 Oct 2026

RBI repo rate 5.50%decided 7 Oct 2026RBI ↗

Home loan ratesLowest published: from 7.25%. 31 lenders compared.Loan against property ratesLowest published: from 8.00%. 35 lenders compared.Personal loan ratesLowest published: from 9.15%. 31 lenders compared.Car loan ratesLowest published: from 7.60%. 30 lenders compared.

What changed after RBI's 7 Oct 2026 hike

Benchmark rates.

Most bank floating-rate loans follow one of these. When they move, your rate moves.

State Bank of IndiaRepo-linked 8.15%from 15 Oct 20261-yr MCLR 8.85%from 15 Oct 2026Source ↗

Bank of BarodaRepo-linked 8.15%from 8 Oct 20261-yr MCLR 8.75%from 12 Oct 2026Source ↗

Punjab National BankRepo-linked 8.35%from 8 Oct 20261-yr MCLR 8.80%from 1 Oct 2026Source ↗

Canara BankRepo-linked 8.25%from 9 Oct 20261-yr MCLR 8.80%from 12 Oct 2026Source ↗

Union Bank of IndiaRepo-linked 8.25%from 8 Oct 20261-yr MCLR 8.80%from 21 Sep 2026Source ↗

Bank of IndiaRepo-linked 8.35%from 7 Oct 2026Source ↗

Indian BankRepo-linked 8.20%from 8 Oct 20261-yr MCLR 8.85%from 3 Oct 2026Source ↗

Central Bank of IndiaRepo-linked 8.50%from 9 Oct 20261-yr MCLR 8.80%from 10 Sep 2026Source ↗

Indian Overseas BankRepo-linked 8.35%from 8 Oct 20261-yr MCLR 8.85%from 15 Aug 2026Source ↗

UCO BankRepo-linked 8.30%from 8 Oct 20261-yr MCLR 8.80%from 10 Jul 2026Source ↗

Bank of MaharashtraRepo-linked 8.30%from 18 Oct 20261-yr MCLR 9.05%from 30 Sep 2026Source ↗

Punjab & Sind BankRepo-linked 7.60%from 8 Oct 20261-yr MCLR 9.10%from 16 Oct 2026Source ↗

HDFC Bank1-yr MCLR 8.30%from 7 Oct 2026Source ↗

ICICI BankRepo-linked 8.65%from 7 Oct 20261-yr MCLR 8.40%from 22 Sep 2026Source ↗

Axis Bank1-yr MCLR 8.70%from 17 Oct 2026Source ↗

Kotak Mahindra Bank1-yr MCLR 8.30%from 16 Oct 2026Source ↗

IndusInd Bank1-yr MCLR 9.75%from 22 Sep 2026Source ↗

Yes Bank1-yr MCLR 9.95%from 1 Oct 2026Source ↗

IDFC FIRST Bank1-yr MCLR 10.00%from 8 Sep 2026Source ↗

Federal Bank1-yr MCLR 9.00%from 16 Oct 2026Source ↗

IDBI BankRepo-linked 8.15%from 12 Dec 2025, before the latest RBI change1-yr MCLR 8.75%from 12 Aug 2026Source ↗

RBL BankRepo-linked 8.50%from 7 Oct 20261-yr MCLR 8.85%from 22 Sep 2026Source ↗

Bandhan Bank1-yr MCLR 9.45%from 30 Sep 2026Source ↗

Karur Vysya BankRepo-linked 8.80%from 8 Oct 20261-yr MCLR 9.45%from 22 Sep 2026Source ↗

South Indian Bank1-yr MCLR 9.45%from 20 Sep 2026Source ↗

Checked 18 Oct 2026 on each lender's own website. Lenders change rates often and we may not have updated ours yet; the lender's page is the final word. "Actually charged" means rates lenders gave borrowers in a recent quarter, which they must publish. Your rate depends on your profile, CIBIL score and loan.

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