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Note : For the convenience of customers we have divided the banks in to two on the basis of their income consideration.
    Banks considering Gross Income:
Details given under this are applicable to those banks which consider Monthly Gross Income (Salaried) / Annual Gross Income (Self Employed) for their calculations.
    Banks considering Net Income:
Details given under this are applicable to those banks which consider Monthly Net Income of salaried (Income after Statutory Deductions) / Annual Net Income of Self Employed (Income after Tax) for their calculations.
* Conditions Apply
Products Eligibility Calculators
Banks considering Gross Income - Resident-Salaried

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Resident Indian

NRI - Salaried
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EMI Calculator
Loan Amount (INR)    
Interest Rate (%)    
Period in Years    
Banks and Interest Rates
BankRate of Interest
Oriental Bank of Commerce Base Rate 10.65%
Upto 30 lacs 11.40%
Above 30 - 75 lacs 12.15%
Above 75 lacs - 3 Cr 12.40%.
AXIS Base Rate 10.00%
Upto 25 Lacs 10.75%
Above 25 lacs - 75 lacs 11.00%
Above 75 lacs 11.25%. Fixed 11.75%
Karnataka Bank Ltd Base Rate 11.00%
Upto 25 Lacs 11.25%
Above 25 lacs - 50 lacs 11.75%
Above 50 Lacs - 1 Cr 12.75%.
SBI Base Rate 10.00%
Upto 30 Lacs 10.75%
Above 30 lacs - 75 lacs 11.00%
Above 75 Lacs 11.25%.
IDBI Bank Base Rate 10.50%
Upto 25 lacs 10.75%
Above 25 - 30 lacs 11.00%
Above 30 - 75 lacs 11.25%
Above 75 lacs 11.50%
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