Home loan rates for Hyderabad buyers start at 7.40% p.a. (Bank of Baroda, Canara Bank, Union Bank of India), per the banks' official rate cards in October 2026. SBI starts at 7.50%, HDFC Bank and Axis Bank at 8.00%. The RBI repo rate is 5.50% after the 25 bps hike on 7 October 2026, and banks have passed it through to new floating-rate loans. Ambak has an office in Ameerpet.
| Office | Address | Hours |
|---|---|---|
| Ambak, Hyderabad | Unit No. 519, 4th Floor, 5th Level, Vasavi MPM Grand, beside Ameerpet Metro Station, Yella Reddy Guda, Ameerpet, Hyderabad 500007 | — |
Phone: +91 80580 58009 · Email: support@ambak.com
Banks price home loans nationally, so these rates apply in Hyderabad as elsewhere. The rate you are offered depends on CIBIL score, income type (salaried or self-employed) and loan amount.
| Lender | Interest rate (p.a.) | EMI per ₹1 lakh, 20 years, at starting rate | Effective |
|---|---|---|---|
| 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 |
| Central Bank of India | 7.45% – 9.00% | ₹803 | 8 Oct 2026 |
| Punjab National Bank | 7.45% – 9.35% | ₹803 | 8 Oct 2026 (festive rate till 31 Dec 2026) |
| State Bank of India | from 7.50% | ₹806 | 15 Oct 2026 |
| Kotak Mahindra Bank | from 7.60% | ₹812 | — |
| Axis Bank | 8.00% – 9.10% | ₹836 | — |
| HDFC Bank | 8.00% – 13.45% | ₹836 | — |
| ICICI Bank | 8.75% – 9.90% | ₹884 | 8 Oct 2026, valid till 31 Oct 2026 |
Source: each bank's official rate page, checked 26 Oct 2026. Most banks revised rates after the 7 October repo hike.
| 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 | ₹1,19,923 | ₹1,03,857 | ₹1,30,173 |
7.40% is the lowest official starting rate among large banks; 8.50% shows a typical rate for a lower CIBIL score or self-employed income.
| Item | Rate |
|---|---|
| Stamp duty | 4% or 5.5% (2026 guides disagree) |
| Transfer duty | 1.5% |
| Registration fee | 0.5% |
Charged on the higher of the sale price and the market value. Check the stamp duty rate for your deed on registration.telangana.gov.in. No concession for women. Lenders do not fund stamp duty or registration; pay these from your own funds.
| Condition | Limit |
|---|---|
| Household income | Up to ₹9 lakh a year (EWS up to ₹3 lakh, LIG ₹3–6 lakh, MIG ₹6–9 lakh) |
| Property value | Up to ₹35 lakh |
| Loan amount | Up to ₹25 lakh |
| Subsidy | 4% on the first ₹8 lakh of the loan, for up to 12 years |
| Maximum subsidy | ₹1.80 lakh, paid in 5 yearly instalments to the loan account |
Source: PMAY-U 2.0 Interest Subsidy Scheme, Government of India. First-time buyers only; the household must not own a pucca house anywhere in India.
| Lender | Branch | Address |
|---|---|---|
| State Bank of India | SBI RACPC Gunfoundry Hyderabad | Precious Plaza, Hanuman Tekdi Rd, Ramkoti, Chirag Ali Lane, Abids, Hyderabad, Telangana 500001 |
| HDFC Bank | HDFC Bank Home Loan Branch - Hyderabad (Basheer Bagh) | HDFC, No 3/6/310, Hyderguda Main Rd, Avanti Nagar, Basheer Bagh, Hyderabad, Telangana 500029 |
| ICICI Home Finance | ICICI Home Finance - Malakpet | 1st floor, Office No 16, T.V.Tower Malakpet, 11-20/7/A, Opposit, Saleem Nagar Colony, Malakpet Extension, Malakpet, Hyderabad, Telangana 500036 |
| Axis Bank | Axis Bank Loan Centre | 4th Floor, 5/2/183/184, Rashtrapati Rd, above Pavan motors, Hyderbasthi, Ranigunj, Hyderabad, Secunderabad, Telangana 500003 |
| Bank of Baroda | Bank of Baroda Branch | Pb No.104, Bank St, Troop Bazaar, Koti, Hyderabad, Telangana 500001 |
| Punjab National Bank | Punjab National Bank | No 4/1/427, Bank St, Troop Bazaar, Koti, Hyderabad, Telangana 500001 |
| Kotak Mahindra Bank | Kotak Mahindra Bank | No.41317 To 319, Abids Road, Troop Bazaar, Abids, Hyderabad, Telangana 500001 |
| LIC Housing Finance | LIC Housing Finance Ltd | D NO 16-11-764/B&C, VIJETHA GOLDEN EMPIRE, Moosarambagh Rd, Dilsukhnagar, Hyderabad, Telangana 500036 |
| PNB Housing Finance | PNB Housing Finance Limited | 4th Flr, B V Raju Bhvn, Abv Harley Davidson Showrm, 8-2-269/4/C & D, Rd Number 2, Banjara Hills, Hyderabad, Telangana 500034 |
| Bajaj Housing Finance | Bajaj Housing Finance Limited - Home Loan, Loan Against Property | Office No. 3A & 3B,& 312& 313, Aditya Trade Center, 2nd & 3rd Floor, 203, above passport office, Ameerpet, Hyderabad, Telangana 500016 |
Addresses from the lenders' Google Business listings, checked 26 Oct 2026.
Competitive interest rates linked to repo rate
Digital application process via website and YONO app
Flexible EMI options
Home Top-up loan facility for existing customers
Tax benefits under Section 80C and interest deduction up to Rs 2 lakh
Wide branch network with 16000+ branches including specialized Home Loan Centres in Hyderabad
Typically 7 to 15 working days for loan processing and approval depending on document verification and eligibility
Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
SBI Realty for Plot Purchase
Top-up Loan
SBI Hyderabad Main Branch
SBI Himayatnagar Branch
SBI Banjara Hills Branch
SBI Secunderabad Branch
Covers 75-90% of property cost
Doorstep service available
Flexible EMI options
Legal and technical counselling services
Quick online application process
Up to 75 Lakh loan amount
Loan application decision typically within 7 days after document submission; up to 25 days if field investigation or property valuation is required
Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
Top-up Loan
HDFC Bank Hyderabad Main Branch
HDFC Bank Banjara Hills Branch
HDFC Bank Jubilee Hills Branch
HDFC Bank Secunderabad Branch
