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Compare Aadhar Housing Finance vs OBC Home Loan

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Interest Rate
Interest Rate
11.75% - 16.50%
7.35% - 7.85%
Processing Fees
Processing Fees
Min ₹ 3,500;
Upto 0.50%
Max ₹ 20,000
Maximum Loan Amount
Maximum Loan Amount
₹ 1 Cr
₹ 3 Cr
Maximum Tenure
Maximum Tenure
30 Years
25 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 1,009
₹ 729
Benchmark Rate (Check Rates)
Benchmark Rate (Check Rates)
Minimum Age
Minimum Age
21 Years
18 Years
Maximum Age
Maximum Age
70 Years
60 Years
For Women
For Women
Overdraft Facility
Overdraft Facility
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare Home Loan EMI of Aadhar Housing Finance and OBC

Loan Amount Aadhar Housing Finance OBC
₹ 10 Lakh ₹ 10,094 ₹ 7,293
₹ 25 Lakh ₹ 25,235 ₹ 18,232
₹ 30 Lakh ₹ 30,282 ₹ 21,878
₹ 50 Lakh ₹ 50,470 ₹ 36,463

Which is a better bank for Home Loan – OBC or Aadhar Housing Finance?

OBC offers lower Home Loan EMI at ₹ 729 on a Home Loan for 25 Years as compared to Aadhar Housing Finance with a minimum EMI of ₹ 1,009 for 30 Years. Average customer ratings for OBC is currently at 2.5/5.0 which makes it a good choice for taking a Home Loan.

How does OBC Home Loan compare with Aadhar Housing Finance Home Loan?

It is important to do a detailed comparison of OBC and Aadhar Housing Finance on all loan terms and conditions to understand their differences and make an informed decision. Keep in mind that each bank’s scheme has its pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

  • Lowest Interest rate of OBC Home Loan is 7.35%, which is lower than the lowest interest rate of Aadhar Housing Finance at 11.75% and hence, OBC is offering a cheaper loan option.
  • When compared on other Home Loan charges such as processing fees, Aadhar Housing Finance charges a lower processing fees of Nil vs OBC with a processing fees of 0.50% of loan amount.
  • OBC is a with its Home Loan rates benchmarked to RLLR. Aadhar Housing Finance is a with its home loan rates benchmarked to PLR.
  • OBC has an average customer ratings of 2.5, while has an average customer rating of , based on which it is clear that OBC has a high customer service focus, an easy Home Loan process and a quick turnaround.

Which bank offers a lower interest rate on Home Loan – OBC or Aadhar Housing Finance?

As per the current rates, OBC offers a lower interest rate of 7.35% on Home Loan when compared to Aadhar Housing Finance which offers a Home Loan at 11.75%.

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Home Loan News - Sep 2021
  • 2021-09-24 : ICICI Bank Revises Home Loan Interest Rate
    ICICI Bank has cut home loan interest to 6.70%. The lowest rate for salaried is 6.70% and self-employed is 6.80%. If a borrower has a low credit score then they will have to pay 7.40% of the principal amount.
  • 2021-09-24 : LIC Housing Finance Announces New Home Loan Rates
    LIC Housing Finance has slashed the home loan rate to 6.66% for loans up to Rs 2 crore. These rates will be offered to the borrowers who have a credit score above 700 and it is valid till November 30, 2021.
  • 2021-09-21 : HDFC Bank Introduce Festival Bonanza Offer
    HDFC Bank has come up with a festival bonanza offer which is valid till October 31, 2021. The lender has cut home loan interest rate to 6.70%, the special rate is linked to borrowers credit score.
  • 2021-09-20 : PNB Introduces Festival Bonanza Offer
    Punjab National Bank (PNB) has introduced a festival bonanza offer under which they reduced home loan interest to 6.80%. Also, the lender has waived off processing fees and documentation charges on all retail loans like home loans, personal loans, car loans, gold loans, property loans. These charges are valid till December 31, 2021.
  • 2021-09-17 : Bank of Baroda Slashes Home Loan Interest Rate
    Bank of Baroda (BOB) has introduced a festive offer #KhushiyonKaShreeGanesh. The lender has reduced the home loan interest rate to 6.75%. Along with a slashed interest rate the bank has also waived off processing fees.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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