Mortgage Loan Interest Rates - in 2025
Mortgage Loan interest rates are influenced by economic policies, market conditions and individual credit profiles of the applicants.
A key factor that impacts the interest rate is the Repo Rate, which determines borrowing costs for banks.
We offer attractive rates for secured loans, depending on the loan tenure and type of mortgage. Borrowers with strong credit scores may benefit from lower rates. You can apply for a mortgage loan online for upto ₹5 crore with minimal documentation and an online sanction*.
*T&Cs. Subject to verification of the documents as per bank’s policy.
Repo Rate effective June 7th, 2025 – 5.50%
Loan Against Property Interest Rate
A Loan Against Property (LAP) is a secured loan that comes with and attractive interest rate, making it an attractive financing option for borrowers who can pledge their property as collateral. LAP provides flexible repayment terms and greater Loan amounts based on the property's market value. Furthermore, the documentation is simple and funds are delivered promptly. This Loan allows you to unlock the value of your property without selling it. Here is an overview of the interest rates for Loan Against Property.
Loan Amount |
Salaried Customers, Self-Employed Priority Sector (PSL) Customers |
Self-Employed: Non-PSL Customers |
|---|---|---|
Up to ₹ 50 lakh |
11.10%-11.75% |
11.60%-12.25% |
₹ 50 lakh to ₹ 100 lakh |
10.85%-11.50% |
11.35%-12.00% |
Above ₹ 100 lakh |
10.60%-11.25% |
11.10%-11.75% |
Interest rates mentioned above will vary basis parameters such as the Bureau Score (credit score), Customer Profile, Segment etc.
The above rates are linked to the Repo rate
The interest rates mentioned above are valid till 31st July, 2025