Original Research
Rate & Fee Tracker
Real loan rates, FD rates, and credit-card fees from Indian institutions — each entry manually verified against the institution's own published page, dated, and sourced. Nothing here is estimated or carried forward from memory.
Methodology
How We Verify Every Number
Every entry on this page is checked directly against the lender's own official rate or fee page — never against a news article, an aggregator, or a third-party estimate. Each row shows the date it was last verified; anything not re-checked in 90+ days is marked "may be outdated" rather than silently trusted. If a category below shows no entries, it means we haven't verified any real data for it yet — we'd rather show nothing than a guess.
1. Home Loans
Home Loan Interest Rates
| Institution | Rate / Fee | Last Verified | Source |
|---|---|---|---|
| Axis Bank Adjustable/floating rate, repo-linked. CIBIL 751+: REPO + 2.75%-3.60% = 8.00%-8.85% p.a. CIBIL below 750 or no credit history: REPO + 2.95%-3.85% = 8.20%-9.10% p.a. Range covers Super Saver, QuikPay, Shubh Aarambh, Fast Forward, Plot Loans and other variants. No prepayment charges on floating-rate loans. Per Axis Bank's own published rate page. | 8.00 – 9.10 % p.a. | 2026-09-14 | Verify → |
| HDFC Bank Adjustable Rate Home Loan, benchmarked to Policy Repo Rate (5.25% per this page): Policy Repo Rate + 2.50% to 7.95% = 7.75% to 13.20% p.a. Applies to Home Loans, Balance Transfer, House Renovation and Extension Loans. Per HDFC Bank's own published rate page. | 7.75 – 13.20 % p.a. | 2026-09-14 | Verify → |
| ICICI Bank Standard adjustable rate, repo-linked (repo rate 5.25% effective 05 Dec 2025), valid till 30 Sept 2026. Range across all loan slabs (up to ₹35L, ₹35-75L, above ₹75L) and both salaried/self-employed. Pre-approved digital customers may get a lower special rate from 7.55%. Processing fee: 0.5% of loan amount + tax. Per ICICI Bank's own published rate page. | 8.50 – 9.80 % p.a. | 2026-09-14 | Verify → |
| Kotak Mahindra Bank Floating-rate home loan (linked to Repo Rate 5.25% p.a.), for both salaried and self-employed: "7.60% p.a. onwards" — only a floor rate is publicly disclosed by the bank, no ceiling figure shown on the official rates page. Fixed-rate switch option available at 12% p.a. onwards for existing customers. A Hybrid Interest Rate option (fixed for 39/52/65 months, then Repo Rate + spread) is also offered. | 7.60% p.a. onwards % p.a. | 2026-09-14 | Verify → |
| State Bank of India (SBI) Rate range linked to External Benchmark Lending Rate (EBLR = 7.90% as of this card). Additional 10bps premium applies for non-salaried applicants with CIBIL score below 825. Terms & conditions apply per SBI's own published card. | 7.25 – 8.55 % p.a. | 2026-09-14 | Verify → |
Rates and fees change without notice. Every row above was manually verified against the institution's own page as of the date shown — always confirm directly with the lender before deciding. This is not a real-time feed.
2. Personal Loans
Personal Loan Interest Rates
| Institution | Rate / Fee | Last Verified | Source |
|---|---|---|---|
| Axis Bank Corrected to the bank's own disclosed disbursed-loan range for Apr'26-Jun'26: Min ROI 8.75% p.a., Max ROI 21.55% p.a., Mean 13.07%. Based on 3-year MCLR of 8.90% + spread 0.0%-12.65%. Previously entered as "9.99-22.00%" from the EMI calculator's slider bounds, since the dedicated rate page 404'd on an earlier attempt (wrong guessed URL, singular "interest-rate-charges" — the real URL uses plural "interest-rates-charges"). The calculator/marketing copy still advertises "starting from 9.99% up to 22%", but the bank's own actual-disbursed-loan disclosure table is the more authoritative real range and is used here instead. Loan up to ₹50 lakh, tenure up to 84 months, no collateral required. Processing fee up to 2% + GST. Foreclosure: 3% of principal if closed within 36 paid EMIs (own funds: nil after 12 paid EMIs), 2% after 36 EMIs. | 8.75 – 21.55 % p.a. | 2026-09-14 | Verify → |
| HDFC Bank XPRESS Personal Loan, fixed rate. Loan Processing Charges: up to ₹6,500 + GST. Stamp duty at actuals per state law. Loan amount ₹25,000 to ₹50 lakh. Per HDFC Bank's own published Fees & Charges section. | 9.99 – 24.00 % p.a. | 2026-09-14 | Verify → |
| ICICI Bank Based on 1-year MCLR of 8.40% + spread 1.59%-8.10%. Processing fee: up to 2% + taxes. Prepayment/foreclosure: 3% of outstanding principal, nil after 24 EMIs paid. Disclosed range for Apr-Jun 2026 period: max 16.50%, min 9.99%, mean 11.45%. Per ICICI Bank's own published rate page. | 9.99 – 16.50 % p.a. | 2026-09-14 | Verify → |
| Kotak Mahindra Bank Fixed-rate personal loan starting from 10.99% p.a. — only a floor rate is publicly disclosed by the bank, no ceiling figure shown on the official rates page. Loan processing fee: up to 5% of the final loan amount plus taxes, non-refundable, deducted at disbursal. Loans available up to ₹1 crore for up to 6 years. | 10.99% p.a. onwards (fixed) % p.a. | 2026-09-14 | Verify → |
| State Bank of India (SBI) Based on 2-year MCLR of 8.75% + spread of 1.25%-6.25%, per SBI's own published page (page itself last updated 31-08-2026). Special discounted rates may apply for government/defense employees — check the source page for current promotional offers. | 10.00 – 15.00 % p.a. | 2026-09-14 | Verify → |
Rates and fees change without notice. Every row above was manually verified against the institution's own page as of the date shown — always confirm directly with the lender before deciding. This is not a real-time feed.
3. Gold Loans
Gold Loan Interest Rates
| Institution | Rate / Fee | Last Verified | Source |
|---|---|---|---|
| Axis Bank Fixed-rate Gold Loan, tenure 6-36 months, loan amount ₹50,001-₹40 lakh. Processing fee: up to 1.5% of sanctioned amount + tax. Foreclosure: 2% of sanction amount if closed within 6 months, nil after. Per Axis Bank's own published rate/charges page. | 9.75 – 17.00 % p.a. | 2026-09-14 | Verify → |
| HDFC Bank Bank IRR range disclosed for Q4 FY25-26 (Jan-Mar 2026), average 10.86%. Processing fee: up to 1% of disbursal + tax. Premature closure: 2% if closed within 30 days, 1% within 180 days, nil after 180 days. Per HDFC Bank's own published rate/charges page. | 9.00 – 19.00 % p.a. | 2026-09-14 | Verify → |
| ICICI Bank Disclosed range for Q1 (Apr-Jun 2026): min 9%, max 16.00%, mean 10.96%. Processing fee: up to 2% of loan amount. Foreclosure charges: nil after 180 days, 0.50% within 180 days, 1% within 90 days, 2% within 30 days (for standard tenure). Per ICICI Bank's own published rate/charges page. | 9.00 – 16.00 % p.a. | 2026-09-14 | Verify → |
| Kotak Mahindra Bank Kotak Gold Loan "Smart Choice Loan" scheme: fixed interest rate of 0.88% per month (bank's own stated rate, not expressed as % p.a. — 0.88 × 12 = 10.56% p.a. equivalent, flat not reducing). This rate applies only to loan amounts above ₹8 lakh with tenure exceeding 12 months, per the bank's own footnote. No income documents required for loans under ₹25 lakh. Rates for smaller/shorter loans not disclosed on this page — bank states "fees and charges vary from scheme to scheme and loan amount." | 0.88% per month fixed (≈10.56% p.a. flat) other | 2026-09-14 | Verify → |
| State Bank of India (SBI) Based on 1-year MCLR of 8.70%. 12-Month Bullet Repayment Gold Loan: 9.15% (spread 0.45%). Personal Gold Loan (EMI) and Liquid Gold Loan (Overdraft): 10.10% each (spread 1.40%). Mean Rate of Interest per SBI's own page: 9.25%. | 9.15 – 10.10 % p.a. | 2026-09-14 | Verify → |
Rates and fees change without notice. Every row above was manually verified against the institution's own page as of the date shown — always confirm directly with the lender before deciding. This is not a real-time feed.
4. BNPL
Buy Now Pay Later Rates & Fees
| Institution | Rate / Fee | Last Verified | Source |
|---|---|---|---|
| LazyPay (PayU India) LazyPay's own product page states plainly "No interest. No hidden charges." for the standard option: pay the full amount once, 15 days after purchase. They also offer optional 3/6/9/12-month EMI conversion plans, but the exact EMI interest rate for those is NOT disclosed on their public pages — deliberately not stated here rather than guessed. A late payment fee likely applies if the 15-day window is missed, but no exact published figure was found either; do not assume 0% applies beyond the 15-day window. | 0% for 15-day repayment window other | 2026-09-14 | Verify → |
Rates and fees change without notice. Every row above was manually verified against the institution's own page as of the date shown — always confirm directly with the lender before deciding. This is not a real-time feed.
5. Credit Cards
Credit Card Fees
| Institution | Rate / Fee | Last Verified | Source |
|---|---|---|---|
| Axis Bank Flipkart Axis Bank Credit Card (mass-market co-branded card). Joining fee currently NIL as a limited-period offer; annual fee ₹500 from the 2nd year onwards, waived if annual spends exceed ₹3,50,000. Finance charges 3.75% per month (55.55% p.a.) on retail purchases/cash. Fees exclusive of GST per bank's own disclosure. | Joining ₹NIL (limited period offer); Annual ₹500 from 2nd year ₹ + GST | 2026-09-14 | Verify → |
| HDFC Bank — Millennia Credit Card Joining/renewal fee: ₹1,000 + applicable taxes. Renewal fee is waived if annual spend reaches ₹1 lakh or more before the renewal date. Per HDFC Bank's own published Fees & Charges page. | 1000 ₹ + GST | 2026-09-14 | Verify → |
| ICICI Bank — Coral Credit Card Joining fee: ₹500 + GST. Annual fee: ₹500 + GST, waived the following year if spend exceeds ₹1.5 lakh. Forex markup: 3.5%. Cash advance/minimum-due interest: 3.75% per month. Late payment charges: ₹100-₹1,300 (tiered by outstanding amount). Per ICICI Bank's own published Fees & Charges section. | 500 ₹ + GST | 2026-09-14 | Verify → |
| Kotak Mahindra Bank Kotak 811 Credit Card (mass-market entry-level card). Joining fee ₹500, Annual fee ₹500 — annual fee waived if retail spends reach ₹50,000 in the anniversary year. No waiver condition on the joining fee itself. Per bank's own fees & charges page. | Joining ₹500; Annual ₹500 (waived on ₹50,000 retail spend) ₹ + GST | 2026-09-14 | Verify → |
| SBI Card — SimplyCLICK SBI Card Annual Fee: ₹499 + taxes. Renewal Fee (per annum, from year 2 onwards): ₹499 + taxes — automatically reversed if previous year's spend was ≥ ₹1,00,000. Add-on Card Fee: Nil. Per SBI Card's own published Fees & Charges section. | 499 ₹ + GST | 2026-09-14 | Verify → |
Rates and fees change without notice. Every row above was manually verified against the institution's own page as of the date shown — always confirm directly with the lender before deciding. This is not a real-time feed.
6. Fixed Deposits
Fixed Deposit Rates
| Institution | Rate / Fee | Last Verified | Source |
|---|---|---|---|
| Axis Bank Full tenure table now sourced from Axis Bank's own official rate-card PDF ("Interest Rates on Domestic Deposits", effective 10 Sept 2026), general public, below ₹3 crore, premature withdrawal allowed. Full breakdown: 7-14d 3.00%, 15-29d 3.00%, 30-45d 3.25%, 46-60d 4.00%, 61-87d 4.75%, 88d-3m24d 5.00%, 3m25d-<4m 5.00%, 4m-<6m 5.00%, 6m-<9m 5.50%, 9m-<1y 5.75%, 1y-1y10d 6.25%, 1y11d-<13m 6.25%, 13m-<15m 6.25%, 15m-<18m 6.45%, 18m-10y 6.50% (the ceiling, flat across 18mo/2yr/3yr/5yr/10yr bands). Senior citizens get roughly +0.50pp on most slabs (up to 7.25% for 5-10yr). Previously entered as a partial "6.25 – 6.50" range because the summary rate page only showed two near-term bands in HTML and the full table lived only in this downloadable PDF — corrected now that the PDF's table was successfully extracted. | 3.00 – 6.50 % p.a. | 2026-09-14 | Verify → |
| HDFC Bank Range across all tenors (7 days to 10 years) for general public, below ₹3 Crore. Highest rate (6.50%) applies to the 3yr1day–4yr7mo bucket. Senior citizens get +0.50pp on every tenor. Per HDFC Bank's own published FD rate chart. | 2.75 – 6.50 % p.a. | 2026-09-14 | Verify → |
| ICICI Bank ICICI Bank general-citizen FD rates, premature withdrawal allowed, below ₹3 crore, effective 11 Sept 2026 — now the full tenure range: 2.75% (7–45 days) up to 6.50% (3yr1day–10yr and Tax Saver FD, the ceiling). Full breakdown: 7-45d 2.75%, 46-90d 4%, 91-184d 4.5%, 185d-<1yr 5.5%, 1yr-<18mo 6.25%, 18mo-2yr 6.3%, 2yr1d-3yr 6.45%, 3yr1d-10yr 6.5% (highest). Senior citizens get +0.50pp on every slab (up to 7.10%). Previously entered as "Up to 6.50" only, since the short-tenure rows weren't visible without clicking the "Less than ₹3 Cr." amount-slab tab (the default "Popular FD Rates" tab shows only the 2 longest-tenure rows) — now corrected with the full range. | 2.75 – 6.50 % p.a. | 2026-09-14 | Verify → |
| Kotak Mahindra Bank Regular (non-senior-citizen) domestic/NRO/NRE FD rates, premature withdrawal allowed, for deposits below ₹3 crore, effective 10 June 2026: range spans 2.75% (7–14 days) to 6.80% (2 years to less than 3 years), then tapers to 6.25% for 5–10 year tenures. Senior citizens get +0.50% on most slabs. Separate, higher rate slabs exist for large deposits (₹5 Cr+) and non-premature-withdrawal FDs (up to 7.10%) — not included here since they are not the standard retail product. | 2.75 – 6.80 % p.a. | 2026-09-14 | Verify → |
| State Bank of India (SBI) Range across all tenors for general public, 7 days to 10 years (revised rates w.e.f. 15/12/2025): 3.05% (7-45 days) up to 6.40% (2-3 year slab, the highest revised general-public rate). Senior citizens get +0.50pp on most tenors (range 3.55%-7.05%, the top figure includes a 50bps "SBI We-care" premium for 5-10yr deposits). Per SBI's own published rate card. | 3.05 – 6.40 % p.a. | 2026-09-14 | Verify → |
Rates and fees change without notice. Every row above was manually verified against the institution's own page as of the date shown — always confirm directly with the lender before deciding. This is not a real-time feed.
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