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Top 10 Gramin Banks for Home Loan at Lowest Interest Rates at 8.60% in India
By Anupama Deshpande | October 11, 2017

A home is a dwelling place used as a permanent residence for an individual, household or family. Building your home can be one of the most exciting and important dreams one has and a home construction or purchase is probably the biggest financial decision in one's life. This decision has an impact on one's financial life for many years to come.

Now due to home loans offered by many finance companies and bank, it has become comparatively easier to build our own home. Such banks/ home finance companies provide you full assistance in getting loan by their simple procedures. A Home loan by top 10 Gramin Banks in India is offered at a lower interest rate at 8.60%.


A Home loan by Gramin Banks in India is offered at a lower interest rate starting at even as low as below 9%. These loans allow you to repay them in maximum of 30 Years. Banks offer the best Home loan schemes and you can repay the loan through easy EMIs.

Top 10 Gramin Banks providing Home Loan at lowest interest rates

BankInterest RateGet Full Details
Chhattisgarh Rajya Gramin Bank
  1. 8.60% for women and 8.65% for others-Upto Rs.20 Lakh
  2. 8.70% for women and 8.75% for others-Above Rs.20 Lakh
Click for full details of Education Loan
Sarva Haryana Gramin Bank
  1. 8.65% for women and 8.70% for others( for loans repayable in less than 3 Years & upto Rs 75 lakh)
  2. 8.70% for women and 8.75% for others (for loans repayable in 3 Years and above & above Rs 75 lakh)
Click for full details of Education Loan
Jammu and Kashmir Grameen Bank
  1. 8.70% p.a-upto Rs 30 lakh
  2. 9.50% p.a.-above Rs 30 lakh
Click for full details of Education Loan
Purvanchal Gramin Bank
  1. 8.80% p.a-upto Rs 30 lakh
  2. 8.70% p.a.-above Rs 30 lakh
Click for full details of Education Loan
Andhra Pradesh Grameena Vikas Bank
  1. 8.9%-Women
  2. 8.95%-Men
  3. 9.5%-For Repairs and Upgradation (Maximum Rs 5 Lakh)
Click for full details of Education Loan
Narmada Jhabua Gramin Bank
  1. BPLR-3.5% i.e. 9% p.a- upto Rs 25 lakh
  2. BPLR-3% i.e. 9.50% p.a.-above Rs 25 lakh
Click for full details of Education Loan
Tripura Gramin Bank
  1. 9%- Repayment upto 15 years
  2. 9.25%- Repayment above 15 years & up to 30 years
Click for full details of Education Loan
Madhya Bihar Gramin Bank
  1. BPLR-4.95% i.e. 9.05% p.a-upto Rs 30 lakh
  2. BPLR- 4.95 % i.e. 9.05% p.a.-above Rs 30 lakh and below Rs 75 lakh
  3. BPLR- 4.95 % i.e. 9.05% p.a.-for Rs 75 Lakh and above
Click for full details of Education Loan
Madhya Bihar Gramin Bank9.50%Click for full details of Education Loan
Baroda Gujarat Gramin Bank9.62%Click for full details of Education Loan

Factors to be consider before taking Home Loan

  • Home Loan Interest Rate
  • Home Loan Interest Type i.e. Fixed or Floating
  • Home Loan processing fees
  • Loan approval process
  • Choose a well known Lender(Bank)
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About Anupama Deshpande
Anupama is a Co-Founder of CodeForBanks.com. She is an MBA (Finance) and Chartered Financial Analyst (CFA). She also carries a Fellowship degree in Life Insurance Sector and is a Master of Computer Application (MCA). She is an expert in Finance Field with an experience of over 18 years on different managerial positions in finance industry including Stock Market, Depository and Mutual Fund Sectors. Apart from that she has remained for few years in the field of marketing as well. Her suggestions and advice for investments have been very useful to many people.
Her vast interest & expertise in the field of finance have encouraged her to write the articles so that others can also get benefitted out of them. She never loses any opportunity to learn and be creative. She is a valuable asset for CodeForBanks.com & important resource to all those around her.

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