Home loan comparison across 5+ banks
The lowest advertised rate is not always the cheapest loan. We compare full offers for your profile and explain the difference in rupees.
Same loan, different total cost
Two banks can quote similar interest rates and still cost you very different amounts over 20 years. Processing fees, insurance bundled with the loan, how the rate is reset and prepayment terms all add up.
We collect offers for your exact profile and the property you are buying, then show them side by side so you choose with numbers, not guesses.
What we compare in every offer
Interest rate and type
The rate offered to you, whether it is floating or fixed, and the benchmark it is linked to.
Processing fee and charges
Processing fee, legal and valuation charges, and any other one-time costs.
Tenure and EMI
EMI for different tenures, and the total interest you pay over the life of the loan.
Insurance add-ons
Whether loan insurance is bundled into the loan, and what it adds to your EMI.
Prepayment and transfer
Rules for part-payment, foreclosure and moving the loan to another bank later.
Property approval
Whether the bank has approved the project, which affects how fast the loan is sanctioned.
From profile to sanction
Share your profile
Income, existing loans, credit score and the property you want.
We collect offers
We get offers from 5+ banks for your exact profile.
Compare side by side
We show rate, fees, EMI and total cost in one table.
Sanction and disbursal
We follow up with the bank until the loan is sanctioned.
Lower your EMI
We also check that the property itself is legally sound through our property verification service, so the loan and the home are both safe. See all loan types.
- Balance transfer: move your loan to a bank offering a lower rate, after counting the transfer costs
- Top-up loan: borrow more on your existing home loan when you need funds
- Rate review: check whether your current rate has fallen behind new offers
Common questions
Why is the lowest interest rate not always the best offer?
Fees, bundled insurance, rate reset rules and prepayment charges change the total cost. We compare the full offer, not just the headline rate.
Fixed or floating rate: which is better?
A floating rate moves with the bank's benchmark, while a fixed rate stays the same for a set period, usually at a higher starting rate. The right choice depends on your plans and risk comfort; we show both options when banks offer them.
Does my credit score affect the rate?
Yes. Banks usually offer better rates to borrowers with higher credit scores. We help you understand where you stand before you apply.
Can I move my home loan to another bank?
Yes, through a balance transfer. It makes sense when the rate saving is larger than the transfer costs. We work out the numbers for you.
Do you help NRIs and self-employed borrowers?
Yes. We compare offers for salaried, self-employed and NRI borrowers.
Want the best home loan for your profile?
Share your details and we'll compare offers from 5+ banks for you.
Talk to an HRCS expert today
Property, home loans, legal checks, documentation or interiors. Share your details and we'll call you back at your preferred time.