Do these 3 things before closing this tab:
1Scan for outdated or missing drivers - takes under a minute2Repair Windows errors before they cause bigger problems3Fix the driver behind crashes, sound loss and screen glitchesThere is not enough current, comparable evidence to name the lowest home-loan rate for loans above ₹30 lakh and up to ₹75 lakh after the reported October 7, 2026 repo-rate hike. The available cross-lender comparison covers loans only up to ₹30 lakh, while the surfaced ICICI Bank figures for ₹35 lakh–₹75 lakh expired on September 30, 2026. A same-day Moneycontrol report says the Reserve Bank of India raised the repo rate by 25 basis points; verify that policy move against the RBI’s primary announcement before relying on it.
What is the lowest home-loan rate for a ₹30 lakh–₹75 lakh loan?
No current lowest rate for this loan band can be established from the available figures. The reported rates below are a separate snapshot for loans up to ₹30 lakh, advertised on lender websites as of October 2, 2026. They are not a ranking or a quote for a ₹30 lakh–₹75 lakh loan. The Economic Times reported the comparison, compiled by BankBazaar; eligibility, borrower profile and lender policy affect the rate.
| Lender category | Lender | Reported starting floating rate |
|---|---|---|
| Public-sector bank | Bank of Maharashtra | 7.00% |
| Public-sector bank | Central Bank of India | 7.00% |
| Public-sector bank | Bank of India | 7.10% |
| Public-sector bank | Canara Bank | 7.15% |
| Public-sector bank | Punjab National Bank | 7.25% |
| Private bank | Federal Bank | 7.35% |
| Private bank | ICICI Bank | 7.55% |
| Private bank | Kotak Mahindra Bank | 7.60% |
| Private bank | HDFC Bank | 7.75% |
| Private bank | Axis Bank | 8.00% |
| Housing finance company (HFC) | LIC Housing Finance | 7.15% |
| Housing finance company (HFC) | Bajaj Finserv | 7.25% |
| Housing finance company (HFC) | Tata Capital | 7.50% |
| Housing finance company (HFC) | PNB Housing Finance | 7.75% |
| Housing finance company (HFC) | Aditya Birla Housing Finance | 7.75% |
The 7.00% minimum in this limited up-to-₹30-lakh snapshot was reported for Bank of Maharashtra and Central Bank of India; it should not be read as the lowest rate available for a larger loan or as a rate every applicant can obtain. The Economic Times comparison.
Why the available ₹35 lakh–₹75 lakh figure is not a current quote
ICICI Bank’s surfaced rate page lists 8.50%–9.55% for loans of ₹35 lakh–₹75 lakh and describes the rates as repo-linked. But the stated validity ended September 30, 2026, before the reported October 7 rate move. Those figures therefore cannot establish ICICI’s current offer, much less a current comparison across public-sector banks, private banks and HFCs. ICICI Bank’s home-loan interest-rate page.
Free tools Windows power users keep installed
One-click scans. No signup required.
#1 Best Overall
- DEDICATED FUNCTION KEYS for Quick Financial Solutions: Clearly labeled function keys enable you to quickly and confidently provide financial answers and options for your clients, whether in the office, in the car or at an open house. Compare loan options and provide payment solutions to give your client choices
- INSTANT FINANCIAL PROBLEM SOLVING: Solve the financial questions your clients have whether they are buyers, investors or renters; increase your perceived professionalism and close more home sales by quickly answering real estate finance problems including remaining balances
- RESIDENTIAL REAL ESTATE FINANCE TERMS: Keys labeled in residential real estate finance terms like Loan AMT, Int, Term, PMT; Calculator is super easy to use to determine a mortgage loan that works for your client
- VERSATILE LOAN CALCULATION OPTIONS: Calculate 80:10:10 or 80:15:5 combo loans at the press of a button; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices
- COMES COMPLETE: Comes with a protective slide cover, quick reference guide, pocket user's guide, two long-life batteries, and 1-year warranty
To compare this loan band properly, use each lender’s current official schedule and confirm the effective date, exact loan amount band, applicant type (salaried or self-employed), eligibility conditions, and whether the displayed rate is a starting figure or an individualized offer. Without that information, a cross-lender “lowest rate” table would be misleading.
How much could the reported repo-rate increase change EMI?
Moneycontrol reported on October 7, 2026 that the RBI raised the repo rate by 25 basis points. The policy announcement itself should be checked against the RBI’s primary release. The report illustrated the effect on a ₹50 lakh home loan with 20 years remaining: a 25-basis-point rise could add about ₹780 to the monthly EMI and nearly ₹1.88 lakh to total interest if the tenure stays unchanged. This is a news-source illustration, not a personalized calculation or a prediction of the change any particular lender will pass on. Moneycontrol’s report and EMI illustration.
Rank #2
- Loan Amortization and Remaining Balances
- Instant Principal, Interest, Interest Only and Total Payments
- Future Values
- Date math function
Your result depends on the outstanding principal, current interest rate, remaining term, when and how the lender resets the rate, and whether repayment changes through a higher EMI, a longer tenure, or both. A new rate may not flow through immediately or identically across lenders. Ask your lender for the revised repayment schedule before changing your own budget.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What to compare before choosing a lender
A headline starting rate is only one part of the cost. RBI consumer guidance advises borrowers to check the type of rate, applicable benchmark, reset frequency and the way changes affect interest and repayment. It also advises asking whether the spread or markup is fixed or variable, and checking the reset clause and APR, which includes interest plus fees and certain other charges. RBI consumer guidance on home loans.
Quick wins for a faster PC:
Repair Windows errors before they cause bigger problemsFix Now →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Rank #3
- ENTER DIMENSIONS JUST LIKE YOU SAY THEM: Input measurements directly in feet, inches, building fractions, decimals, yards and meters, including square areas and cubic volumes; one key instantly converts your measurements into all standard Imperial or metric math dimensions that work best for you and the project you are working on
- DEDICATED BUILDING FUNCTION KEYS: Make determining your project needs easy; just input project measurements, select material type like wallpaper, paint or tile; then calculate the quantity needed and total costs to avoid surprises at the homecenter checkout
- ACCURATE MATERIAL ESTIMATION: Helps you estimate material quantities and costs for your projects, ensuring you never buy too much or too little material; simplifies your home improvement and decorating jobs and cuts down on the number of trips to the hardware store
- PRECISE PAINT CALCULATIONS: Calculate exactly how much paint you need to ensure you finish the job without finding yourself with a half-painted room at night with a wet paint roller, and avoid storing or disposing of excess paint
- 11 BUILT-IN TILE SIZES: Make it easy to estimate the quantity needed to complete your project; simply calculate your square footage, then determine the tile required based on tile size and compare tile usage and costs by size; comes complete with hard cover, easy-to-follow user's guide, long-life battery and 1-year warranty
- Your personalized effective rate and benchmark: Ask which benchmark applies and what rate the lender is offering for your profile and loan amount.
- Rate type and reset timing: Establish whether the loan is fixed or floating and how often a floating rate can reset.
- Spread or markup: Ask whether it can change, and how the contract treats it separately from the benchmark.
- APR and charges: Compare the APR and applicable processing and other fees, not just the stated interest rate.
- Eligibility and underwriting: Confirm the terms for your applicant type and circumstances; a published starting rate is not an approval or guaranteed offer.
- Repayment mechanics: Ask whether rate changes alter EMI, tenure, or both, and request an illustration using your outstanding balance and remaining term.
RBI’s April 2, 2024 master circular on housing finance applies to urban co-operative banks and includes provisions on board-approved interest-rate determination and foreclosure or prepayment penalties for floating-rate home loans within its stated scope. Do not assume that this UCB-specific circular provision applies to every bank or HFC; check the rules and loan contract relevant to your lender. RBI Master Circular – Housing Finance for UCBs.
Quick Recap
Best Value
- HP 12C: INDUSTRY STANDARD SINCE 1981 – Trusted by professionals in real estate, banking, and finance for over 40 years. The HP 12C finance calculator remains the go-to tool for fast and accurate calculations in high-stakes business environments.
- 120+ FUNCTIONS FOR FINANCIAL ANALYSIS – Calculate loan amortization, bond pricing, mortgage payments, NPV, IRR, depreciation, and more with this large calculator. Built-in business and statistical functions allow you to perform complex calculations in just a few keystrokes.
- RPN ENTRY FOR FASTER WORKFLOWS – Reverse Polish Notation (RPN) allows for efficient data entry with fewer keystrokes and no formulas. This RPN calculator is perfect for a mortgage payment calculator, accounting calculator, business calculator, or real estate calculator for desktop.
- PROGRAMMABLE FOR REPEAT TASKS – The HP12C desk calculator stores custom keystroke sequences for repeated use. This large calculator supports up to 20 cash flows for IRR/NPV analysis, modeling investment scenarios, projecting returns, and automating routine calculations.
- INCLUDES CLEANING CLOTH, CASE & BATTERIES – Compact design fits easily on a desk or crowded table area. Includes a protective carrying case, cleaning cloth, and comes with pre-installed batteries so it's ready to use out of the box. A great choice for home finances, business professionals, and accountants.
Rank #4
- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan AMT, Int, Term, PMT. This industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and much more
- CONFIDENTLY AND EASILY SOLVES: All your clients' financial questions whether they are buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: At the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or tvm calculations Find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: Reduce your clients' confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket User's Guide, and long-life batteries
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
