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Compare Reliance Capital vs Indian Bank Home Loan

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Interest Rate
Interest Rate
9.75% - 11.00%
7.55% - 7.85%
Processing Fees
Processing Fees
Upto 0.50%
Upto 0.23%
Max ₹ 20,381
Maximum Loan Amount
Maximum Loan Amount
₹ 100 Cr
₹ 5 Cr
Maximum Tenure
Maximum Tenure
20 Years
20 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 949
₹ 809
Benchmark Rate (Check Rates)
Benchmark Rate (Check Rates)
Minimum Age
Minimum Age
21 Years
18 Years
Maximum Age
Maximum Age
65 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 Reliance Capital and Indian Bank

Loan Amount Reliance Capital Indian Bank
₹ 10 Lakh ₹ 9,485 ₹ 8,087
₹ 25 Lakh ₹ 23,713 ₹ 20,216
₹ 30 Lakh ₹ 28,456 ₹ 24,260
₹ 50 Lakh ₹ 47,426 ₹ 40,433

Which is a better bank for Home Loan – Indian Bank or Reliance Capital?

Indian Bank offers lower Home Loan EMI at ₹ 809 on a Home Loan for 20 Years as compared to Reliance Capital with a minimum EMI of ₹ 949 for 20 Years. Average customer ratings for Indian Bank is currently at 3/5.0 which makes it a good choice for taking a Home Loan.

How does Indian Bank Home Loan compare with Reliance Capital Home Loan?

It is important to do a detailed comparison of Indian Bank and Reliance Capital 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 Indian Bank Home Loan is 7.55%, which is lower than the lowest interest rate of Reliance Capital at 9.75% and hence, Indian Bank is offering a cheaper loan option.
  • When compared on other Home Loan charges such as processing fees, Indian Bank charges a lower processing fees of 0.23% of the loan amount vs Reliance Capital with a processing fees of 0.50% of loan amount.
  • Indian Bank is a with its Home Loan rates benchmarked to RLLR. Reliance Capital is a with its home loan rates benchmarked to PLR.
  • Reliance Capital has an average customer ratings of 4, while Indian Bank has an average customer rating of 3, based on which it is clear that Reliance Capital has a high customer service focus, an easy Home Loan process and a quick turnaround.
  • Indian Bank offers special discounted rate Home Loan schemes for women, while Reliance Capital currently doesn’t have such schemes for women. Hence, women borrowers should consider Indian Bank.

Which bank offers a lower interest rate on Home Loan – Indian Bank or Reliance Capital?

As per the current rates, Indian Bank offers a lower interest rate of 7.55% on Home Loan when compared to Reliance Capital which offers a Home Loan at 9.75%.

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Home Loan News - Jun 2022
  • 2022-06-16 : Maharashtra Government Revises Income Slabs
    The annual income slab for the economically weaker section (EWS) has been increased to Rs 6 lakh, and Rs 4.5 lakh for those residing in Mumbai, Pune, and Nagpur Metropolitan Region and the rest of the state respectively.
  • 2022-06-16 : SBI Increases Lowest Interest Rates for Home Loans
    The bank has raised minimum rate for home loans to 7.55% two weeks after the increase of Repo Rate.
  • 2022-05-24 : Home Buyers Welcome the Decision to Extend the PMAY Scheme
    The Central Government has extended the PMAY Scheme-Urban till September 2022 in Maharashtra.
  • 2022-05-13 : South Indian Bank Posts all-time High Net Profit in Q4
    The Bank has posted an all-time high net profit of ₹272 crores for Q4 in FY 22 against ₹6.79 crores during the corresponding period of the previous year.
  • 2022-05-13 : Ujjivan Small Finance Bank Profit Falls by 7% for Q4
    The bank has reported a 7 percent fall in its net profit to Rs 126.5 crore. Earlier, the bank had posted a net profit of Rs 136 crore in the same quarter of the preceding fiscal year 2020-21.
*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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