Home loan rates for Thane 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 Thane West.
| Office | Address | Hours |
|---|---|---|
| Ambak, Thane | Office No. 702, Fenkin Empire, near Bhanushali Hospital and Thane Railway Station, Kaushalya Road, Thane West 400602 | — |
Phone: +91 80580 58009 · Email: support@ambak.com
Banks price home loans nationally, so these rates apply in Thane 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 |
|---|---|---|
| HDFC Bank | HDFC Bank Home Loan Branch - Thane (Old Bombay Agra Road) | Ground Floor, Vikas Complex, No 11 & 13, Old, Agra - Mumbai Rd, Thane, Maharashtra 400601 |
| ICICI Home Finance | ICICI Home Finance Company - Home Loan - Thane | Office No. FB-119, Highland Corporate Center, West, Kapurbawadi Junction, Samata Nagar, Sainath Nagar, Majiwada, Thane, Mumbai, Maharashtra 400601 |
| Axis Bank | Axis Bank Loan Centre | 1st floor, Highland Sky Arcade, Damani Estate, Shop no, F-1, Hariniwas Cir, Thane, Maharashtra 400602 |
| Bank of Baroda | Bank of Baroda Pokharan Road Thane(West) Branch | Shop No 15, Abc Swastik Garden, Unnathi Gardens, Subhash Nagar, Thane West, Thane, Maharashtra 400601 |
| Punjab National Bank | Punjab National Bank | Ground Floor, Ace Business Centre, Lal Bahadur Shastri Marg, near Vrindavan Society, Gokul Nagar, Thane West, Thane, Maharashtra 400601 |
| Kotak Mahindra Bank | Kotak Mahindra Bank | Golden Dye compound, Lal Bahadur Shastri Marg, Mukatai Nagar, Gokul Nagar, W, Thane, Maharashtra 400601 |
| PNB Housing Finance | PNB Housing Finance Limited | Wagle Industrial Est, No. 105,106, 1st Flr, Centurion Business Park, SG Barve Rd, nr. Dwarka Hotel, Thane, Maharashtra 400604 |
| Bajaj Housing Finance | Bajaj Housing Finance Limited - Home Loan, Loan Against Property | M Square IT Park Plot, Unit No 501-502 5th Floor, Road No. 33, Wagle Industrial Estate, Thane West, Thane, Maharashtra 400604 |
Addresses from the lenders' Google Business listings, checked 26 Oct 2026.
Competitive interest rates
Digital application and approval process
Doorstep service available
Flexible EMI options
Quick loan processing
Special schemes for women borrowers
Typically 7 to 10 working days for loan approval after submission of all documents
Balance Transfer of Home Loan
Home Construction Loan
Home Extension Loan
Home Top-up Loan
NRI Home Loan
Regular Home Loan
SBI Realty (Plot Purchase Loan)
SBI Thane West Branch
SBI Thane East Branch
SBI Ghodbunder Road Branch
SBI Majiwada Branch
Attractive interest rates starting from 7.90% p.a.
Flexible EMI plans up to 30 years
Integrated branch network with doorstep service in Thane
Minimum documentation required
Quick online application process
Special Trufixed loan option with fixed interest period
Typically quick approval with end-to-end digital process enabling faster sanctioning, usually within a few days
Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
Top-up Loan
Thane (Ghodbunder Road) Branch
Thane West Branch
Thane East Branch
Thane Station Branch
