The loan question, answered

Which bank, and what will it really cost?

Tap an amount — every bank’s real cost appears instantly, including the lakhs that separate the cheapest from the rest.

Loan amount

Tenure

Take-home (₹/mo) — optional, for eligibility

₹80.0 L over 20 years — who charges what

Rates as of August 2026 · verify with the bank

Bar = total interest over the tenure. The gold tip is what that bank charges beyond the cheapest.

Bank of Baroda✓ CHEAPEST8.4%₹68,920/mo · interest ₹85.4 L

The benchmark — lowest total interest on this loan

SBI8.5%₹69,426/mo · interest ₹86.6 L

pays the same ₹85.4 L + an extra ₹1.2 L vs Bank of Baroda

LIC Housing8.65%₹70,187/mo · interest ₹88.4 L

pays the same ₹85.4 L + an extra ₹3.0 L vs Bank of Baroda

HDFC Bank8.7%₹70,442/mo · interest ₹89.1 L

pays the same ₹85.4 L + an extra ₹3.7 L vs Bank of Baroda

ICICI Bank8.75%₹70,697/mo · interest ₹89.7 L

pays the same ₹85.4 L + an extra ₹4.3 L vs Bank of Baroda

Axis Bank8.75%₹70,697/mo · interest ₹89.7 L

pays the same ₹85.4 L + an extra ₹4.3 L vs Bank of Baroda

Picking Bank of Baroda over Axis Bank on this loan saves ₹4.3 L over 20 years — roughly ₹1,776/month of someone else’s EMI.

Always negotiate, and always compare against a balance-transfer quote. Processing fees differ too.