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Privacy Policy Terms of Use DisclaimerYouBankingBuddy puts savings accounts, home loans, credit cards, deposits, mutual funds and insurance side by side — with the real numbers, the fine print translated, and calculators that actually compute. We are not a bank and we never sell you a product.
Free forever · No credit-score impact · 42 partner banks and NBFCs listed
From ₹1 lakh to ₹2 crore.
Home loans currently start at 8.35% p.a. for salaried applicants with a strong credit profile.
A longer tenure lowers the EMI and raises the total interest you pay.
Indicative only. Processing fees, insurance and statutory charges are not included. Final rates are set by the lender after credit assessment.
Logos are represented as neutral marks. YouBankingBuddy is an independent comparison platform and has no regulatory affiliation with any of these bodies.
Each family lists the current indicative rates, the eligibility floor and the charges that people usually miss. Pick a family to see the full comparison table.
Zero-balance digital accounts through to premium relationship banking with airport lounge access.
Built for proprietors, MSMEs and startups. We compare free cash deposit limits, not just the marketing copy.
Purchase, balance transfer, top-up and loan against property, with the true cost after processing fees.
Unsecured borrowing for weddings, education, medical bills and working capital — with honest APRs.
Rewards, travel, fuel, cashback and lifetime-free cards, ranked by what they return on real spending patterns.
Bank and small-finance-bank deposits with senior-citizen premiums, laddering ideas and TDS explained.
Understand SIPs, index funds, ELSS tax saving and the National Pension System before you commit a rupee.
Term life, health and motor cover — what the exclusions really mean and how claim ratios differ.
EMI, SIP, simple and compound interest, FD maturity and loan eligibility — all free, all instant.
Sort by any column. Rates shown are the published floor for salaried applicants with a credit score of 750 and above, as on 21 Jul 2026.
Click a column heading to sort.
| Lender | EMI per ₹1 lakh | ||||
|---|---|---|---|---|---|
| State Bank of IndiaPublic sector · Regular Home Loan | 8.35% | 0.35% (max ₹10,000) | 30 yr | ₹25,000 | ₹857 |
| HDFC BankPrivate · Adjustable Rate Home Loan | 8.40% | 0.50% (max ₹11,800) | 30 yr | ₹30,000 | ₹860 |
| ICICI BankPrivate · Home Loan Standard | 8.45% | 0.50% (min ₹3,000) | 30 yr | ₹30,000 | ₹863 |
| Bank of BarodaPublic sector · Baroda Home Loan | 8.40% | Nil (limited period) | 30 yr | ₹20,000 | ₹860 |
| Axis BankPrivate · Floating Rate Home Loan | 8.75% | 1.00% (min ₹10,000) | 30 yr | ₹35,000 | ₹885 |
| Punjab National BankPublic sector · PNB Max Saver | 8.45% | 0.35% (max ₹15,000) | 30 yr | ₹24,000 | ₹863 |
| Kotak Mahindra BankPrivate · Kotak Home Loan | 8.60% | 0.50% (negotiable) | 25 yr | ₹30,000 | ₹874 |
| IDFC FIRST BankDigital-first · Home Loan Prime | 8.85% | 0.50% (max ₹25,000) | 30 yr | ₹25,000 | ₹893 |
| Federal BankPrivate · Federal Housing Loan | 8.80% | 0.50% (min ₹4,500) | 30 yr | ₹25,000 | ₹889 |
| Canara BankPublic sector · Canara Housing | 8.50% | 0.50% (max ₹20,000) | 30 yr | ₹22,000 | ₹867 |
EMI per ₹1 lakh assumes a 20-year tenure at the quoted floor rate. Rates are indicative, subject to change without notice, and vary with credit score, loan-to-value, employment type and internal lender policy. YouBankingBuddy is not a bank or NBFC and does not sanction loans.
We model reward value on a realistic ₹1,00,000 monthly spend split across groceries, fuel, dining, travel and utilities — then subtract the fee. Only cards that stay positive make this list.
Net value is an illustration, not a promise. It assumes full and timely repayment every month. Revolving a credit card balance costs 36–48% per annum and will wipe out every reward listed above.
Festive-season pricing published by lenders for the current quarter. We list the fee alongside the rate, because a nil-fee loan at 9.10% often beats a 8.80% loan with 1% upfront.
Lenders work to a FOIR — the share of your monthly income that may go towards EMIs. Most cap it at 50%, some stretch to 65% for higher incomes. Our checker applies the same arithmetic they do, on your device, with nothing sent anywhere and no impact on your credit score.
Every calculator runs entirely in your browser. Nothing is uploaded, nothing is logged, and there is no sign-up wall between you and an answer.
Monthly instalment, total interest and the principal-versus-interest split for any loan.
OpenProject a monthly systematic investment plan at an assumed rate of return.
OpenSimple and compound interest side by side, with the compounding frequency you choose.
OpenThe FOIR arithmetic a lender runs, before you fill in a single form.
OpenIndian equity index funds have historically delivered 11–13% over long periods. Past performance does not indicate future returns.
Mutual fund investments are subject to market risk. Read all scheme-related documents carefully. Projections assume a constant rate of return, which markets never deliver. YouBankingBuddy does not provide investment advice or recommend any scheme.
Interest on bank deposits is taxable as income. TDS applies above ₹40,000 of interest in a financial year (₹50,000 for senior citizens). Figures shown are pre-tax and indicative.
Most lenders apply 50%. Incomes above ₹1 lakh a month are often assessed at 60–65%.
This is an estimate, not an offer, a sanction or a pre-approval. Lenders also weigh your credit score, employment stability, property value, age and internal policy. Nothing here guarantees approval.
The gap between a 690 and a 780 score on a ₹50 lakh home loan is roughly ₹9.4 lakh in extra interest over twenty years. Here is what each band means in practice.
We are paid a referral fee by lenders when an application we route is disbursed. That fee is identical across every partner on a given product, so nothing on this site is ranked by what it pays us. If a lender offers to pay for placement, we say no — and we say so publicly.
Illustrative only. The upper curve shows compounding growth, the lower one a simple-interest path over the same period.
Pick a product family and enter the amount, tenure and city. No PAN, no OTP, no document upload at this stage.
About 2 minutesWe show the full comparison — rate, processing fee, prepayment terms and the total you will actually repay. Sort it however you like.
InstantA buddy from our research desk calls back within one working day to explain the trade-offs. We do not sell, and we will happily tell you not to borrow.
Within 1 working dayYou apply on the bank's own platform. Your documents go to them, never to us. We stay available if a query stalls.
3–14 working daysFigures cover 1 April 2020 to 30 June 2026 and are reviewed each quarter by our research desk.
Loan value compared is the aggregate of amounts entered into our comparison tools. YouBankingBuddy does not lend, and no figure above represents money disbursed by us.
Explainers, rate movements and the fine print nobody reads — written by people who have worked inside Indian banks.
Repricing depends on your reset date, not the RBI announcement. We walk through the three-month lag most floating-rate borrowers never budget for.
Issuers quietly changed redemption ratios in April. We recalculated the real return on four flagship cards and two of them no longer justify their fee.
A ₹10,000 SIP held flat for twenty years versus one raised with your appraisal. The arithmetic is unglamorous and the difference is enormous.
Collected through our post-consultation survey. Full names published with consent.
“I had already signed up for a home loan at 9.15%. The buddy on the call spotted that a balance transfer after twelve months would cost me nothing and save ₹6.8 lakh. She talked me out of two products the same afternoon.”
“Running a two-crore turnover business, I assumed my current account was fine. The comparison showed I was paying ₹94,000 a year in cash handling charges that a different bank simply does not levy.”
“The SIP calculator here is the only one I found that says plainly that the projection is not a promise. That single line made me trust everything else on the site.”
Financial comparison sites in India rarely state this plainly, so we will.
We hold no banking or lending licence. We never take custody of your money and we cannot sanction, approve or reject any application.
Nothing on this site is investment advice or a recommendation to buy any scheme. Mutual fund investments are subject to market risk. Speak to a SEBI-registered adviser before investing.
Calculators run in your browser and store nothing. Enquiry details go only to the lender you choose, and we never sell a contact list. See our Privacy Policy.
Our fee is the same across every partner on a given product, so ranking is never for sale. We publish this on our About page and will keep publishing it.
No charge, no obligation, no script. Bring your sanction letter, your card statement or just a question. Slots run Monday to Friday, 10:00 AM – 7:00 PM IST from our New Delhi desk.
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A twenty-minute call with our research desk costs nothing and has talked plenty of people out of borrowing. Monday to Friday, 10:00 AM – 7:00 PM IST.
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Every Wednesday at 8:00 AM IST: which lenders moved their rates, which card devalued its rewards, and one piece of jargon translated into English.
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No. Comparisons, calculators and consultation calls are free to you, always. We are paid a flat referral fee by a lender only if an application we route is disbursed, and that fee is identical across every partner on a given product — so nothing on this site is ranked by what it pays us.
Not at all. Our eligibility checker is pure arithmetic running in your browser — we do not contact any credit bureau, so there is no hard enquiry and no footprint on your report. A hard enquiry only occurs later, when you formally apply with a lender.
No, and we will never claim otherwise. Every rate, fee and offer shown is indicative, drawn from lender-published schedules on the date stamped beside it, and is subject to change without notice. Your final pricing depends on your credit score, income, employment type, loan-to-value and the lender's internal policy on the day you apply.
We cannot, and we will not. YouBankingBuddy is not a SEBI-registered investment adviser, and nothing on this site is investment advice or a recommendation to buy any scheme. Mutual fund investments are subject to market risk — read all scheme-related documents carefully. We explain how SIPs, expense ratios and fund categories work; the decision, and a conversation with a registered adviser, remain yours.
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