Planarc
Planarc
2D→3D₹99 Report
Free · No sign-up · 30-second result

How much home loan can you actually get?

Six banks, ranked side-by-side. Enter your take-home, age, and CIBIL — see max eligible amount, EMI, effective rate, and processing fee at each. Comes with a WhatsApp-shareable scorecard for the family group chat.

You're probably here because:“Which bank gives me the best deal?”
₹
₹15,000₹3 L
₹

Estimates only. Verify actual eligibility with the bank before signing.

Top offer · State Bank of India
₹32Lup to 20 years

Your best offer looks like ₹32 lakh at State Bank of India — comfortably repayable at your current income.

Monthly EMI
₹27,500
Rate
8.4%
Total interest
₹34L
Take-home after EMI
₹23K
Ladder · ranked by max eligible amount
SBI
State Bank of India
Lowest headline rate; longest possible tenure; heaviest paperwork.
TOP PICK
Max eligible
₹31.9L
EMI
₹27,500
Rate
8.4%
Processing fee
₹10,000
Comfortable EMI at 8.4% over 20 years. · Tenure capped at 20 yrs.
LICH
LIC Housing Finance
Housing-finance company (not a bank) with competitive rates.
STEADY
Max eligible
₹31.7L
EMI
₹27,500
Rate
8.5%
Processing fee
₹10,000
Comfortable EMI at 8.5% over 20 years. · Tenure capped at 20 yrs.
PNB
Punjab National Bank
Public-sector alternative to SBI with similar structure.
STEADY
Max eligible
₹31.6L
EMI
₹27,500
Rate
8.55%
Processing fee
₹13,419
Comfortable EMI at 8.55% over 20 years. · Tenure capped at 20 yrs.
HDFC
HDFC Bank
Fast processing, digital-first, good for salaried professionals.
STEADY
Max eligible
₹28.7L
EMI
₹25,000
Rate
8.55%
Processing fee
₹12,500
Comfortable EMI at 8.55% over 20 years. · Tenure capped at 20 yrs.
Share this scorecard
Planarc · Home Loan Ladder
Take-home: ₹50,000 / month
Top offer · State Bank of India
Max eligible · ₹32 lakh at 8.4%
EMI · ₹27,500 for 20 years
Second best · LIC Housing Finance · ₹31.7 L at 8.5%
Run yours: planarc.site/tools/loan-ladder
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Play with EMI numbers →Match this budget to a real cost estimate · ₹99 →
How it works

Five inputs. Six banks. One decision.

1
Enter income
Your monthly take-home + existing EMIs.
2
Add profile
Age, employment, CIBIL.
3
Read ladder
Ranked banks, EMI, rate, fee, verdict.
Where the numbers come from

Rates and eligibility policies are refreshed quarterly against each bank's public home-loan page. Rate adjustments follow standard underwriting practice — better CIBIL wins a lower slab, older borrowers see tenure trimmed to their remaining career. Numbers are honest ranges — not a pre-approval — so verify with the bank branch before you sign.

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