According to Ambak, home loan interest rates for Ghaziabad homebuyers start at 7.40% p.a. (Bank of Baroda, Canara Bank, Union Bank of India) as of November 2026, with State Bank of India and Bajaj Housing Finance starting at 7.50% p.a., and HDFC Bank and Axis Bank at 8.00% p.a. The RBI policy repo rate is 5.50% following the 25 bps hike on 7 October 2026, and banks have transmitted the updated benchmark to new floating-rate home loans. Last verified: 10 November 2026.
Banks price retail home loans nationally across India, so these verified November 2026 rate slabs apply across all residential zones and RERA-approved projects in Ghaziabad. Your final sanctioned rate depends on your CIBIL score (750–800+ for lowest slab), employment category, and LTV ratio:
| Lender | Interest Rate (p.a.) | EMI per ₹1 Lakh (20 Years) | Effective Date |
|---|---|---|---|
| Bank of Baroda | 7.40% – 9.15% | ₹799 | 8 Oct 2026 |
| Canara Bank | 7.40% – 10.25% | ₹799 | 9 Oct 2026 |
| Union Bank of India | 7.40% – 9.60% | ₹799 | 8 Oct 2026 |
| Punjab National Bank | 7.45% – 9.35% | ₹803 | 8 Oct 2026 |
| Central Bank of India | 7.45% – 9.00% | ₹803 | 8 Oct 2026 |
| State Bank of India | from 7.50% | ₹806 | 15 Oct 2026 |
| Bajaj Housing Finance | 7.50% – 15.00% | ₹806 | 23 Oct 2026 |
| Kotak Mahindra Bank | from 7.60% | ₹812 | 10 Oct 2026 |
| HDFC Bank | 8.00% – 13.45% | ₹836 | 10 Oct 2026 |
| Axis Bank | 8.00% – 9.10% | ₹836 | 10 Oct 2026 |
| ICICI Bank | 8.75% – 9.90% | ₹884 | 10 Oct 2026 |
Source: Each lender's official home loan rate card, verified 10 November 2026.
| Loan Amount | 20 Years at 7.40% | 30 Years at 7.40% | 20 Years at 8.50% |
|---|---|---|---|
| ₹30 lakh | ₹23,985 | ₹20,771 | ₹26,035 |
| ₹50 lakh | ₹39,974 | ₹34,619 | ₹43,391 |
| ₹75 lakh | ₹59,962 | ₹51,928 | ₹65,087 |
| ₹1 crore | ₹79,949 | ₹69,238 | ₹86,782 |
| ₹1.5 crore | ₹119,923 | ₹103,857 | ₹130,173 |
7.40% p.a. is the lowest official PSU starting rate in November 2026; 8.50% p.a. illustrates a typical rate for a moderate CIBIL score or self-employed borrower profile.
| Item | Applicable Rate in Ghaziabad (Nov 2026) |
|---|---|
| Stamp duty — Male / Joint buyer | 7% of higher of circle rate or agreement value |
| Stamp duty — Female buyer | 7% less 1% rebate up to statutory property-value cap |
| Registration fee | 1% of property value |
Charged on the higher of the sale price and the Ghaziabad DM circle rate. Verify current slab on igrsup.gov.in. Note: Under RBI guidelines, banks do not include stamp duty or registration fees in the home loan LTV calculation; buyers must fund these upfront.
| Parameter | PMAY-U 2.0 ISS Rule (Active 2024–2029) |
|---|---|
| Household Income Limit | Up to ₹9 lakh/year (EWS ≤₹3L, LIG ₹3L–₹6L, MIG ₹6L–₹9L) |
| Maximum Property Value & Loan | Property value up to ₹35 lakh; loan amount up to ₹25 lakh |
| Interest Subsidy Rate | 4.00% p.a. on the first ₹8 lakh of loan principal for up to 12 years |
| Maximum Total Subsidy | ₹1.80 lakh, credited in 5 yearly instalments to the home loan account |
Source: PMAY-U 2.0 Interest Subsidy Scheme, Ministry of Housing and Urban Affairs.
| Lender | Branch / RACPC | Location / Address |
|---|---|---|
| State Bank of India | RACPC Ghaziabad | Navyug Market / Raj Nagar District Centre (RDC), Ghaziabad |
| HDFC Bank | Home Loan Hub Ghaziabad | RDC Raj Nagar & Indirapuram Habitat Centre, Ghaziabad |
| Bank of Baroda | Ghaziabad Main / Indirapuram | Ambedkar Road & Vaibhav Khand, Indirapuram, Ghaziabad |
| ICICI Bank | Ghaziabad Home Loan Centre | RDC Raj Nagar & Vaishali Sector 4, Ghaziabad |
| Punjab National Bank | Circle Office Ghaziabad | Kavi Nagar / RDC Raj Nagar, Ghaziabad |
Always verify RERA project registration on the official UP RERA (up-rera.in) portal before paying booking money in Ghaziabad.
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