What decides your home loan interest rate, every charge you pay, and the RBI and tax rules that apply in 2026.
The interest rate on an Indian home loan is built from two parts: a benchmark that the lender does not control on its own (for most new bank loans, the RBI repo rate through an external benchmark lending rate) and a spread that depends on the lender, your credit profile, the loan amount and the property. On top of the rate you pay a processing fee with 18% GST, legal and technical valuation charges, stamp duty on the mortgage document in many states and sometimes an insurance premium that is sold alongside the loan.
Start with the overview of home loan interest rates in India, which links to every guide in this section. The other guides explain repo-linked rates versus MCLR, fixed versus floating rates, the full list of charges and the Key Fact Statement, RBI loan-to-value limits and your down payment, the tax deductions for interest and principal under the old and new regimes, and the PMAY-Urban 2.0 interest subsidy.
Rates quoted in the examples are illustrative, not current offers. Lenders change their rates often; check the lender's website and your Key Fact Statement for the live figure, and the Reserve Bank of India for the current repo rate.
Rates, Costs and 2026 Rules
How fixed, part-fixed and floating home loan rates work in India, what prepayment rules apply to each, and a rupee comparison under different rate paths.
Rates, Costs and 2026 Rules
How Indian home loan rates are built from a benchmark and a spread, what pushes your rate up or down, and how to compare offers on EMI, fees and APR.
Rates, Costs and 2026 Rules
RBI loan-to-value caps of 90%, 80% and 75% explained, what counts as property cost, and worked examples of down payment, stamp duty and the ₹30 lakh edge case.
Rates, Costs and 2026 Rules
Every charge on an Indian home loan, from processing fee with 18% GST to legal, valuation, stamp duty and CERSAI, with a worked APR example and what the KFS must show.
Rates, Costs and 2026 Rules
How home loan interest and principal are treated for tax in 2026, the ₹2 lakh and ₹1.5 lakh limits, the new regime, the Income-tax Act 2025 and a worked example.
Rates, Costs and 2026 Rules
How the PMAY-U 2.0 Interest Subsidy Scheme works for EWS, LIG and MIG families, the loan and property limits, how the subsidy reaches your loan and a worked EMI example.
Rates, Costs and 2026 Rules
How repo-linked and MCLR home loan rates differ, how to find your benchmark in your loan papers, and a worked example of switching an old MCLR loan.
