Indian Bank Rates & Calculators
Compare official lending benchmarks, home loan starting rates, and deposit returns across all 36 scheduled commercial banks in India. Powered by verified official card rates and deterministic calculation engines.
Understanding Bank Lending Rates in India (2026 Benchmark System)
Under Reserve Bank of India (RBI) regulations, all floating-rate retail loans (home, personal, auto) sanctioned by scheduled commercial banks are tied to an External Benchmark Lending Rate (EBLR), most commonly the RBI Policy Repo Rate. Final borrower interest rates equal the benchmark rate plus the bank's spread and borrower-specific credit risk markup based on CIBIL scores.
Public Sector Banks (PSUs)
Government-owned nationalized banks offering competitive repo-linked lending rates
State Bank of India
The Banker to Every Indian
8.00% p.a.
6.80% p.a.
Punjab National Bank
The Name You Can Bank Upon
7.40% p.a.
6.80% p.a.
Canara Bank
Together We Can
7.40% p.a.
6.85% p.a.
Union Bank of India
Good People to Bank With
7.35% p.a.
6.75% p.a.
Indian Bank
Your Own Bank
7.45% p.a.
Available
Bank of India
Relationship Beyond Banking
7.45% p.a.
Available
Bank of Maharashtra
One Family One Bank
7.35% p.a.
Available
Central Bank of India
Central to You Since 1911
7.45% p.a.
Available
UCO Bank
Honours Your Trust
7.45% p.a.
Available
Indian Overseas Bank
Good People to Grow With
7.45% p.a.
Available
Punjab & Sind Bank
Where Service is a Way of Life
7.45% p.a.
Available
Private Sector Banks
Commercial private lenders offering diverse retail credit products and premium digital services
Kotak Mahindra Bank
Let's Make Money Simple
7.99% p.a.
7.10% p.a.
Federal Bank
Your Perfect Banking Partner
8.80% p.a.
Available
IndusInd Bank
We Make You Feel Richer
Available
7.25% p.a.
YES BANK
Experience Our Expertise
Available
7.25% p.a.
Bandhan Bank
Aapka Bhala, Sabki Bhalai
Available
7.25% p.a.
RBL Bank
Apno Ka Bank
Available
7.50% p.a.
South Indian Bank
Experience Next Generation Banking
Available
7.00% p.a.
Karnataka Bank
Your Family Bank Across India
Available
7.10% p.a.
IDBI Bank
Banking For All
8.45% p.a.
Available
City Union Bank
Trust and Excellence Since 1904
Available
7.00% p.a.
Tamilnad Mercantile Bank
Be a Step Ahead of Life
Available
7.25% p.a.
CSB Bank
Support All the Way
Available
7.10% p.a.
DCB Bank
We Value You
Available
7.35% p.a.
Dhanlaxmi Bank
Tann Mann Dhan
Available
7.00% p.a.
Small Finance Banks (SFBs)
RBI-licensed scheduled banks known for high fixed-deposit yields and financial inclusion credit
Equitas Small Finance Bank
It's Fun Banking
8.99% p.a.
7.75% p.a.
Ujjivan Small Finance Bank
Build a Better Life
8.80% p.a.
7.20% p.a.
Jana Small Finance Bank
Likho Apni Kahani
Available
8.25% p.a.
Suryoday Small Finance Bank
A Bank of Smiles
Available
8.50% p.a.
Utkarsh Small Finance Bank
Aapki Ummeed Ka Khaata
Available
8.25% p.a.
Independent Rate Auditing & Legal Disclaimers
CalcMate is an independent financial technology portal and is not affiliated with, sponsored by, or endorsed by the Reserve Bank of India (RBI) or any commercial banking institution listed on this site. Interest rates and loan parameters are extracted directly from official schedule notices and regulatory filings. Actual sanction terms depend on individual applicant credit assessment, income verification, and lender underwriting criteria.