Every provider we hold a rate for — 24 in total — with the home loan, personal loan and fixed deposit rates each one publishes. They are grouped by what kind of lender it is, because that changes how the number should be read.
Each provider name below opens its microsite: the rates it advertises, the maximum it can charge, the fees, and how it ranks against everyone else. If you would rather read one product across all lenders, start with the home loan interest rates table, the personal loan interest rates table or the best FD rates table instead.
Public sector banks
Public sector bank. Floating retail loans are priced off an external benchmark, so RBI rate cuts pass through within a reset cycle.
| Provider | Home loan | Personal loan | Fixed deposit | Credit cards |
|---|---|---|---|---|
| Bank of Baroda | from 7.20% | — | up to 6.75% | — |
| Canara Bank | from 7.40% | — | — | — |
| Punjab National Bank | from 7.20% | — | up to 6.60% | — |
| State Bank of India | from 7.25% | from 10.00% | up to 6.45% | — |
| Union Bank of India | from 7.35% | — | — | — |
Private sector banks
Private sector bank. Floating retail loans are priced off an external benchmark, so RBI rate cuts pass through within a reset cycle.
| Provider | Home loan | Personal loan | Fixed deposit | Credit cards |
|---|---|---|---|---|
| Axis Bank | from 8.00% | from 10.99% | up to 6.50% | 2 cards reviewed |
| HDFC Bank | from 7.75% | from 9.99% | up to 6.50% | 4 cards reviewed |
| ICICI Bank | from 7.50% | from 10.45% | up to 6.50% | 2 cards reviewed |
| IDFC First Bank | — | from 10.99% | — | 1 card reviewed |
| Kotak Mahindra Bank | from 7.60% | from 10.50% | up to 6.65% | — |
Housing finance companies
Housing finance company. Not required to price off an external benchmark — it lends against an internal reference rate, so rate cuts historically arrive more slowly than increases.
| Provider | Home loan | Personal loan | Fixed deposit | Credit cards |
|---|---|---|---|---|
| Bajaj Housing Finance | from 7.70% | — | — | — |
| LIC Housing Finance | from 7.50% | — | — | — |
| Tata Capital Housing | from 7.75% | from 11.99% | — | — |
Non-banking financial companies
Non-banking financial company. Prices off an internal reference rate rather than an external benchmark, and is not a bank — deposits with it are not DICGC-insured.
| Provider | Home loan | Personal loan | Fixed deposit | Credit cards |
|---|---|---|---|---|
| Bajaj Finserv | — | from 11.00% | — | — |
Small finance banks
Small finance bank. Deposit rates are typically the highest available, but DICGC insurance covers ₹5 lakh per depositor per bank — size the deposit accordingly.
| Provider | Home loan | Personal loan | Fixed deposit | Credit cards |
|---|---|---|---|---|
| Jana Small Finance Bank | — | — | up to 8.00% | — |
| Shivalik Small Finance Bank | — | — | up to 8.00% | — |
| Suryoday Small Finance Bank | — | — | up to 8.25% | — |
| Unity Small Finance Bank | — | — | up to 8.00% | — |
| Utkarsh Small Finance Bank | — | — | up to 8.10% | — |
Card issuers
Card issuer. We hold its card catalogue but no lending or deposit rates, so this microsite covers cards only.
| Provider | Home loan | Personal loan | Fixed deposit | Credit cards |
|---|---|---|---|---|
| American Express | — | — | — | 1 card reviewed |
| AU Small Finance Bank | — | — | — | 1 card reviewed |
| Federal Bank | — | — | — | 1 card reviewed |
| IndusInd Bank | — | — | — | 1 card reviewed |
| SBI Card | — | — | — | 3 cards reviewed |
Advertised loan rates are floors, not offers: they are the rate a lender will give its strongest applicant. Deposit rates are the peak of the card, usually on one specific tenure. Every score behind these microsites is arithmetic on a dated rate table — the method is published in full.
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