Axis Bank Home Loan Interest Rate Today

Updated 17 Sep 2026 · Lender rate pages, checked individually

The range, and where you land in it

Axis Bank advertises from 8.00% and can charge up to 9.10% for this product — a range of 1.10 percentage points. Where you land is set by your credit score, your down payment and your income type, not by bargaining. The processing fee is quoted as a percentage with a rupee floor, so on a small loan the ₹10,000 minimum is what you actually pay, and 18% GST sits on top of it.

The rate is repo-linked, so it resets when the RBI moves the policy rate rather than at the bank’s discretion. Before you assume the headline number, put both ends of that 1.10 point spread through the EMI calculator — over a 20-year term they are two very different repayment totals. What the bank will actually lend you against the property is a separate question, and home loan eligibility covers how that is worked out.

How it compares

Axis Bank is the joint 10th cheapest of the 12 providers we track for a home loan, 0.85 percentage points above Canara Bank at 7.15%. Among the other private banks in our set, HDFC Bank starts at 7.75%, Kotak Mahindra Bank at 7.60% and ICICI Bank at 8.50%. The standing table for every lender is on home loan interest rates, and the ranked view is on best home loans.

Public sector lenders sit at the cheap end of that table — PNB’s home loan rate starts at 7.25%, 0.10 percentage points above the 7.15% floor we track. If you are already paying more than the current floor, moving the loan is worth pricing out; home loan balance transfer sets out what the switch costs.

Terms change without notice. Confirm the current figures with Axis Bank before you act.