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Axis Bank home loan rates start at 8.00% p.a. and go up to 9.10%. Floating rates are linked to the bank's repo rate + spread. The RBI raised the repo rate by 25 bps to 5.50% on 7 October 2026; existing repo-linked loans move at their next reset date.
| Borrower / slab | Interest rate (p.a.) |
|---|---|
| All borrowers | 8.00% – 9.10% |
| CIBIL 751 and above | 8.00%–8.85% (repo + 2.50% to 3.35%) |
| CIBIL 750 and below / no history | 8.20%–9.10% (repo + 2.70% to 3.60%) |
Source: Axis Bank official rate page, checked 26 Oct 2026. The rate you are offered depends on your credit score, loan amount and income type.
| Loan amount | 20 years at 8.00% | 30 years at 8.00% | 20 years at 9.10% |
|---|---|---|---|
| ₹25 lakh | ₹20,911 | ₹18,344 | ₹22,654 |
| ₹50 lakh | ₹41,822 | ₹36,688 | ₹45,308 |
| ₹75 lakh | ₹62,733 | ₹55,032 | ₹67,963 |
| ₹1 crore | ₹83,644 | ₹73,376 | ₹90,617 |
| ₹1.5 crore | ₹1,25,466 | ₹1,10,065 | ₹1,35,925 |
A 0.25% rise adds ₹781 a month to a ₹50 lakh, 20-year loan at 8.00%. Try the Axis Bank EMI calculator.
| Item | Value |
|---|---|
| Processing fee | Up to 1% or ₹10,000, whichever is higher, + GST (bank) |
| Minimum loan amount | ₹20 lakh (Ambak panel) |
| Maximum loan amount | ₹30 crore (Ambak panel) |
| Lender | Interest rate (p.a.) | Effective |
|---|---|---|
| Bank of Baroda | 7.40% – 9.15% | 8 Oct 2026 |
| Canara Bank | 7.40% – 10.25% | 9 Oct 2026 |
| Union Bank of India | 7.40% – 9.60% | 8 Oct 2026 |
| Central Bank of India | 7.45% – 9.00% | 8 Oct 2026 |
| Punjab National Bank | 7.45% – 9.35% | RLLR 8.35% w.e.f. 8 Oct 2026; festive rates 1 Oct–31 Dec 2026 |
| State Bank of India | from 7.50% | 15 Oct 2026 |
| Kotak Mahindra Bank | from 7.60% | — |
| Axis Bank | 8.00% – 9.10% | — |
| HDFC Bank | 8.00% – 13.45% | — |
| ICICI Bank | 8.75% – 9.90% | 8 Oct 2026, valid till 31 Oct 2026 |
All rates from each bank's official rate page, checked 26 Oct 2026.