Home loan rates for Noida 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 Sector 3.
| Office | Address | Hours |
|---|---|---|
| Ambak Home Loan - Noida | 2nd Floor, The Office Pass, D-9, Block D, Noida Sector 3, Noida, Uttar Pradesh 201301 (near Sector 16 metro) | Mon–Sat, 10:00 am – 7:00 pm |
Phone: +91 80580 58009 · Email: support@ambak.com
Banks price home loans nationally, so these rates apply in Noida 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, man | 7% |
| Stamp duty, woman | 7% less a 1% rebate up to a property-value cap |
| Registration fee | 1% of property value |
Charged on the higher of the sale price and the circle rate. Published sources disagree on the current cap for the women's rebate; confirm it on igrsup.gov.in. 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 Greater Noida | C-2A, opposite Pathways School, Sector 100, Noida, Uttar Pradesh 201304 |
| State Bank of India | SBI RACPC cum SARC Noida | C-03B, Sector 55, Noida, Uttar Pradesh 201301 |
| HDFC Bank | HDFC Bank Home Loan Branch - Noida (Sector 18) | Ansal's Fortune Arcade, Pocket K, Sector 18, Noida, Uttar Pradesh 201301 |
| ICICI Bank | ICICI Bank Noida-Sector110 Branch | A 3 13, A 3 13, Shramik Kunj, Sector 110, Noida, Uttar Pradesh 201304 |
| Axis Bank | Axis Bank Loan Centre | Ground Floor, Wish Town, Tower-1, Noida-Greater Noida Expy, near Jaypee Greens, Sector 128, Noida, Uttar Pradesh 201304 |
| Punjab National Bank | Punjab National Bank, Tulip Mall | 1st Floor, Tulip Mall, Block A, Sector 48, Noida, Uttar Pradesh 201303 |
| Kotak | Kotak Mahindra Bank | Block No.A3, Plot No.3, Shramik Kunj, Sector 110, Noida, Uttar Pradesh 201304 |
| LIC HFL | LIC Housing Finance Limited | 1st Floor, F 2 & 3, near kotak Mahindra Bank, F Block, Pocket F, Sector 18, Noida, Uttar Pradesh 201301 |
| PNB | PNB Housing Finance Limited | Ground Floor, near Byjus Learning APP, D-2, Vyapar Marg, Block D, Noida Sector 3, Noida, Uttar Pradesh 201301 |
Addresses from the lenders' Google Business listings, checked 26 Oct 2026.
| Project | Location | RERA number | Price range | RERA completion date |
|---|---|---|---|---|
| Aastha Greens | Sector 4 Of Greater Noida West | UPRERAPRJ1050 | ₹15 – 22 lakh | 2021-01-01 |
| Saha Amadeus | Sector 143 (Gh-02) | UPRERAPRJ9195 | ₹85 – 150 lakh | 2021-12-29 |
| Parx Laureate | Sector 108 | UPRERAPRJ5998 | ₹1.75 – 2.50 crore | 2023-12-30 |
| Gulshan Botnia | Sector 144 | UPRERAPRJ5857 | ₹60 – 90 lakh | 2024-02-29 |
| APEX Athena | Sector 75 | UPRERAPRJ10394 | ₹80 – 190 lakh | 2018-05-02 |
| Victory One Crossroad | Sector 143B | UPRERAPRJ10126 | ₹85 – 105 lakh | 2018-06-20 |
| Gaur Sportswood | Sector 79 | UPRERAPRJ3528 | ₹1.10 – 1.80 crore | 2022-09-01 |
| Sikka Karnam Greens | Sector 143B | UPRERAPRJ5764 | ₹45 – 110 lakh | 2022-06-30 |
Source: UP RERA registration data held by Ambak. All Noida projects.
extensive branch and processing center network
flexible EMI options with long repayment schedules
Low processing fees
online application and instant approval
women borrower concession of 0.05% with women as primary applicant
zero hidden charges
Typically 7 to 15 working days for loan processing and approval
Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
Top-up Loan
SBI Noida Sector 18 Branch
SBI Noida Sector 39 Branch
SBI Noida Sector 62 Branch
SBI Noida Sector 44 Branch
assistance at every step
Attractive interest rates starting from 7.90% p.a.
minimal documentation
quick and easy approval
simple online application process
Trufixed loans with fixed rate period
Typically 3 to 7 working days for loan processing and approval
Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
Top-up Loan
Noida Sector 18 Branch
Noida Sector 62 Branch
Noida Sector 50 Branch
Greater Noida Branch
