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Zero Hidden Charges
Hassle Free and Fast Approval Process
Personalized Loan Assistance
Exciting CashbacksUnion Bank of India home loan rates start at 7.40% p.a. and go up to 9.60%. Floating rates are linked to the bank's EBLR 8.25%. Effective: 8 Oct 2026. 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 | 7.40% – 9.60% |
| CIBIL 825+ | 7.40% |
| CIBIL 800–824 | 7.45% |
| CIBIL 750–799 | 7.60% salaried, 7.65% non-salaried |
| No credit history | 7.65% salaried, 7.75% non-salaried |
| CIBIL 700–749 | 8.00% salaried, 8.10% non-salaried (women 7.95% / 8.05%) |
| CIBIL 680–699 | 8.25% salaried, 8.35% non-salaried (women 8.20% / 8.30%) |
| CIBIL 650–679 | 9.10% |
| CIBIL 600–649 | 9.60% |
| Women borrowers | 0.05% lower in the CIBIL 680–749 bands when a woman owns the house singly or jointly |
Source: Union Bank of India 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 7.40% | 30 years at 7.40% | 20 years at 9.60% |
|---|---|---|---|
| ₹25 lakh | ₹19,987 | ₹17,309 | ₹23,467 |
| ₹50 lakh | ₹39,974 | ₹34,619 | ₹46,934 |
| ₹75 lakh | ₹59,962 | ₹51,928 | ₹70,400 |
| ₹1 crore | ₹79,949 | ₹69,238 | ₹93,867 |
| ₹1.5 crore | ₹1,19,923 | ₹1,03,857 | ₹1,40,801 |
A 0.25% rise adds ₹765 a month to a ₹50 lakh, 20-year loan at 7.40%. Try the Union Bank of India EMI calculator.
| Item | Value |
|---|---|
| Processing fee | ₹17,700 + GST (Ambak panel) |
| Minimum loan amount | ₹5 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.
Zero Hidden ChargesHassle Free and Fast Approval ProcessPersonalized Loan AssistanceExciting Cashbacks
