Home loan rates for Pune 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 Shivaji Nagar.
| Office | Address | Hours |
|---|---|---|
| Ambak, Pune | Godrej Eternia, 1st Floor, B-Wing, Wakdewadi, Old Pune Mumbai Highway, Shivaji Nagar, Pune 411005 | — |
Phone: +91 80580 58009 · Email: support@ambak.com
Banks price home loans nationally, so these rates apply in Pune 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% |
|---|---|---|---|
| ₹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 |
| ₹2 crore | ₹1,59,898 | ₹1,38,476 | ₹1,73,565 |
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 (incl. metro cess and local body tax) | 7% |
| Stamp duty, woman sole owner | 6% |
| Registration fee | 1% of property value, capped at ₹30,000 |
Charged on the higher of the agreement value and the ready reckoner rate. Joint ownership with a man pays the man's rate; confirm on igrmaharashtra.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 Shankarsheth Road Pune | 5th & 6th Floor, Sharda Chamber, Shankar Sheth Rd, behind Exim Bank, Shri Sarathi Society, Vrindavan Society, Guru Nanak Nagar, Pune, Maharashtra 411037 |
| HDFC Bank | HDFC Bank Home Loan Branch - Pune (Shivaji Nagar) | 1500, University Rd, Narveer Tanaji Wadi, Shivajinagar, Pune, Maharashtra 411005 |
| ICICI Home Finance | ICICI Home Finance Company - Home Loan - Shivajinagar, Pune | 2nd Floor, Unit No. 208, kakade bizz icon, CTS No. 26878, University Rd, next to E-Square, Premnagar, Shivajinagar, Pune, Maharashtra 411016 |
| Axis Bank | Axis Bank Loan Centre | 1st Floor, Pride House, S No-108/7, University Rd, opp. NIC, Chattushringi, Shivajinagar, Pune, Maharashtra 411016 |
| Bank of Baroda | Bank of Baroda Shivaji Nagr Branch | Butte Patil Tower, 1170/4, Jangali Maharaj Rd, Shivajinagar, Pune, Maharashtra 411005 |
| Punjab National Bank | Punjab National Bank | No 1422, Chowk, Phadke Haud, Kasba Peth, Pune, Maharashtra 411011 |
| Kotak Mahindra Bank | Kotak Mahindra Bank | CTS No.723, Raisoni Capital, Raviwar Peth Rd, Budhwar Peth, Pune, Maharashtra 411002 |
| LIC Housing Finance | L.I.C. Housing Finance Ltd. | Sanas Memories BUILDING, OFFICE NO 204, 205, 2ND FLOOR, Ferguson College Rd, Opposite Nandadeep Hospital, Sud Nagar, Shivajinagar, Pune, Maharashtra 411004 |
| PNB Housing Finance | PNB Housing Finance Limited | 6th Floor 606, Unit No. 601, 602, 603, 604, 605, behind Pride Hotel Conclave, Shivajinagar, Pune, Maharashtra 411005 |
| Bajaj Housing Finance | Bajaj Housing Finance Limited - Home Loan, Loan Against Property | Final Plot, ASHIYANA, Showroom 202, 2nd Floor, CTS 811, Law College Rd, opposite Bhandarkar Road, Shivajinagar, Pune, Maharashtra 411004 |
Addresses from the lenders' Google Business listings, checked 26 Oct 2026.
0.05% interest concession for women borrowers
Attractive interest rates from 7.5% to 10.7%
Digital application and monitoring process
Loan tenure up to 30 years
Special products for defence personnel and government employees
Up to 90% loan on property value
Typically about 1 week if all documents are complete and property verification is smooth; can extend to a few weeks in complex cases
Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
Top-up Loan
SBI Camp Branch Pune
SBI Shivaji Nagar Branch Pune
SBI Kothrud Branch Pune
SBI Hadapsar Branch Pune
Attractive interest rates starting from 7.90% p.a.
flexible EMI plans up to 30 years
integrated digital home loan application and 24x7 online assistance
minimum documentation required
quick and easy online application process
Trufixed Home Loans with fixed rate period
Typically 7 to 10 working days for loan processing and approval
Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
Top-up Loan
HDFC Bank Pune Camp Branch
HDFC Bank Kothrud Branch
HDFC Bank Viman Nagar Branch
HDFC Bank Hadapsar Branch
