Key facts: Axis Bank vs Federal Bank vs Tata Capital home loan
- Starting rate: Axis Bank 8.20%, Federal Bank 7.35%, Tata Capital 8%. This is the lowest rate each loan provider advertises for a home loan, not the rate everyone is offered.
- Gap between starting rates: 0.85 percentage points between the lowest and the highest.
- Top of the published range: Federal Bank up to 9.50%, Tata Capital up to 13%.
- Maximum tenure: Axis Bank 30 years, Federal Bank 30 years, Tata Capital 30 years.
- Type of loan provider: Axis Bank is a private bank; Federal Bank is a private bank; Tata Capital is an NBFC. Banks and NBFCs price floating rates differently.
- Official websites: axis.bank.in, federal.bank.in, tatacapital.com.
- Pages checked: 5 official pages opened for this loan type.
- Loan types with a published rate: Axis Bank 4, Federal Bank 7, Tata Capital 6 (out of 8 we track).
- EMI on ₹50 lakh over 20 years: Axis Bank ₹42,446, Federal Bank ₹39,822, Tata Capital ₹41,822 a month, at each starting rate.
- Total interest on the same loan: Axis Bank ₹51,87,159, Federal Bank ₹45,57,354, Tata Capital ₹50,37,281.
- Last checked: 12 October 2026, on each loan provider's own website.
Who each loan provider suits on a home loan
Built only from figures the loan providers publish. It says where each one is ahead on paper, not who will approve you.
Where Axis Bank stands
No clear edge on the published figures we could compare for a home loan. Check the table below and the Key Fact Statement.
Pick Federal Bank if you want
- The lowest published starting rate (7.35%)
Pick Tata Capital if you want
- The most complete published terms for this loan (5 of 5 details)
Axis Bank vs Federal Bank vs Tata Capital home loan: rate, fees and tenure
Starting home loan rates as published: Axis Bank from 8.20%, Federal Bank from 7.35% and Tata Capital from 8%. Federal Bank is lower at the starting rate, but the top of each range and your own credit profile decide what you are offered.
| Detail | Axis Bank | Federal Bank | Tata Capital |
|---|---|---|---|
| Published rate | Starting at 8.20% p.a. | 7.35% to 9.50% (term loan); 7.45% to 9.60% (overdraft); loans up to Rs 35 lakh priced 1% higher | 8.00% to 13% p.a. (salaried); 8.35% to 13% p.a. (self-employed); page also cites 'starting from 7.50%' |
| Rate basis | Not published | floating, linked to RBI Repo Rate | Fixed and floating options; benchmark (RLLR/MCLR) mentioned generally |
| Loan amount | Up to Rs 5 crore | Rs. 1500 lakhs (page title says up to Rs 15 lakhs; inconsistent) | Rs. 5 lakh to Rs. 7.5 crore (may increase case-by-case) |
| Maximum tenure | Up to 30 years | 360 months (30 years) for residents; NRI capped at 20 years | 30 years |
| Processing fee | Not published | Not published | Up to 3% of loan amount + GST |
| Prepayment / foreclosure | Not published | No pre-closure charges; part or full prepayment allowed | No prepayment charge when repaid from own funds; nominal charge if others' funds used |
| Eligibility (as published) | Not published | Self-employed residents up to 65 years (80 with co-obligant); NRI age not above 55 at end of tenure | CIBIL over 750 gives more competitive rates; age/income not stated |
| Other terms published |
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| Official source | axis.bank.in/loans/home-loan axis.bank.in/loans/home-loan/interest-rates-charges | federal.bank.in/housing-loan federal.bank.in/loan-rate | tatacapital.com/home-loan/rates-and-charges.html |
EMI illustration: ₹50 lakh over 20 years
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| Axis Bank | 8.20% | ₹42,446 | ₹51,87,159 | ₹1,01,87,159 |
| Federal Bank | 7.35% | ₹39,822 | ₹45,57,354 | ₹95,57,354 |
| Tata Capital | 8% | ₹41,822 | ₹50,37,281 | ₹1,00,37,281 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Read the full guide: Home loan
Axis Bank vs Federal Bank vs Tata Capital home loan EMI by amount and tenure
Monthly EMI at each loan provider's lowest published rate, on a reducing balance. Fees, GST and insurance are not included, and your offered rate may be higher.
By loan amount, over 20 years
| Loan amount | Axis Bank (8.20%) | Federal Bank (7.35%) | Tata Capital (8%) |
|---|---|---|---|
| ₹25 lakh | ₹21,223 | ₹19,911 | ₹20,911 |
| ₹50 lakh | ₹42,446 | ₹39,822 | ₹41,822 |
| ₹75 lakh | ₹63,670 | ₹59,733 | ₹62,733 |
| ₹1 crore | ₹84,893 | ₹79,645 | ₹83,644 |
By tenure, on ₹50 lakh
| Tenure | Axis Bank (8.20%) | Federal Bank (7.35%) | Tata Capital (8%) |
|---|---|---|---|
| 10 years | ₹61,193 interest ₹23,43,219 | ₹58,960 interest ₹20,75,221 | ₹60,664 interest ₹22,79,656 |
| 15 years | ₹48,362 interest ₹37,05,104 | ₹45,925 interest ₹32,66,580 | ₹47,783 interest ₹36,00,869 |
| 20 years | ₹42,446 interest ₹51,87,159 | ₹39,822 interest ₹45,57,354 | ₹41,822 interest ₹50,37,281 |
| 25 years | ₹39,256 interest ₹67,76,677 | ₹36,463 interest ₹59,38,930 | ₹38,591 interest ₹65,77,243 |
| 30 years | ₹37,388 interest ₹84,59,580 | ₹34,449 interest ₹74,01,498 | ₹36,688 interest ₹82,07,762 |
A longer tenure lowers the EMI and raises the total interest. Pick the shortest tenure your monthly budget can carry.
What each loan provider publishes about its home loan
Axis Bank
Private bank · Axis Bank Limited
- Loan up to Rs 5 crore
- Tenure up to 30 years
Federal Bank
Private bank · The Federal Bank Limited
- How the rate is set: floating, linked to RBI Repo Rate
- Eligibility as published: Self-employed residents up to 65 years (80 with co-obligant); NRI age not above 55 at end of tenure
- Funding of up to 85% of project cost
- Repayment holiday of up to 36 months
- Can be availed in overdraft format
- No pre-closure charges
Tata Capital
NBFC · Tata Capital Limited
- How the rate is set: Fixed and floating options; benchmark (RLLR/MCLR) mentioned generally
- Eligibility as published: CIBIL over 750 gives more competitive rates; age/income not stated
- High loan amounts up to Rs. 7.5 crore
- Flexible loan tenure up to 30 years
- Minimal documentation
- Balance transfer facility
Before you apply for a home loan
- Floating rate resets: A floating rate moves with the loan provider's benchmark, which follows the repo rate. Ask how often it resets and whether the change lands on your EMI or your tenure.
- Fees beyond the rate: Processing fee, legal and technical valuation charges and any administrative charge add to the cost. Ask for the full list in writing.
- Prepayment: RBI does not allow pre-closure charges on floating-rate home loans to individuals. Fixed-rate loans can still carry them.
- Tax benefit: Under the old tax regime, interest on a self-occupied home is deductible up to Rs 2 lakh a year under Section 24(b), and principal repaid counts within the Rs 1.5 lakh limit of Section 80C. The new regime does not allow these. Check with your tax adviser.
RBI requires every loan provider to hand you a Key Fact Statement before you sign. It shows the rate, every fee, the APR and the total you will repay.
Terms used on this page
Plain meanings of the terms this comparison uses.
Starting rate: The lowest rate a loan provider advertises for a product. Most borrowers are offered a higher rate, because the final rate depends on credit score, income, employer and loan amount.
APR: Annual percentage rate. It adds the processing fee and other charges to the interest rate, so it shows the yearly cost of the loan better than the interest rate alone.
Key Fact Statement: A short summary the loan provider gives you before you sign. It lists the interest rate, every fee, the APR and the total amount you will repay. RBI requires it for retail loans.
Floating rate and repo rate: A floating rate moves with a benchmark, and for banks that is usually the RBI repo rate, the rate at which RBI lends to banks. A fixed rate stays the same for the period you agree.
Processing fee: A one-time charge for handling the application. It is usually a percentage of the loan amount plus GST, and it is often deducted before the money reaches you.
Credit score: A number from 300 to 900 that shows how you have repaid past loans and cards. A higher score usually gets you a lower rate.
Sources and last check
Every figure above is read from the loan provider's own website and was checked on 12 October 2026. A blank means the page does not show that figure, and we never estimate one.
- Axis Bank: axis.bank.in/loans/home-loan axis.bank.in/loans/home-loan/interest-rates-charges
- Federal Bank: federal.bank.in/housing-loan federal.bank.in/loan-rate
- Tata Capital: tatacapital.com/home-loan/rates-and-charges.html
Read our editorial policy, how we make money and tell us about an error.
More home loan comparisons
Axis Bank vs Federal Bank vs Tata Capital: every loan type on one page · All home loan comparisons · Home loan guide · Home loan EMI calculator
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Frequently asked questions
Which is better for a home loan: Axis Bank, Federal Bank or Tata Capital?
Federal Bank has the lowest published starting home loan rate at 7.35%, against 8.20% at Axis Bank and 8% at Tata Capital. On ₹50 lakh over 20 years the difference in total interest is ₹6,29,805. Rate is only one part of the cost, so also compare the processing fee, the prepayment terms and the total repayable amount in the Key Fact Statement.
Which has the lower home loan interest rate: Axis Bank, Federal Bank or Tata Capital?
Federal Bank has the lowest published starting home loan rate at 7.35%, against 8.20% at Axis Bank and 8% at Tata Capital. The published ranges run to Federal Bank up to 9.50% and Tata Capital up to 13%, so the rate you are offered can sit well above the starting rate.
What is the home loan processing fee at Axis Bank, Federal Bank and Tata Capital?
Axis Bank: not published. Federal Bank: not published. Tata Capital: Up to 3% of loan amount + GST. Fees can change, so confirm the amount in rupees, with GST, before you accept.
What is the maximum home loan tenure at Axis Bank, Federal Bank and Tata Capital?
Axis Bank: Up to 30 years. Federal Bank: 360 months (30 years) for residents; NRI capped at 20 years. Tata Capital: 30 years. A longer tenure lowers the EMI and raises the total interest.
Can I prepay or foreclose a home loan early at Axis Bank, Federal Bank and Tata Capital?
Axis Bank: not published. Federal Bank: No pre-closure charges; part or full prepayment allowed. Tata Capital: No prepayment charge when repaid from own funds; nominal charge if others' funds used. Ask whether the rate on your loan is fixed or floating, because the charges depend on it.
What is the EMI on a ₹50 lakh home loan at Axis Bank, Federal Bank and Tata Capital?
Over 20 years at each loan provider's lowest published rate the monthly EMI is ₹42,446 at Axis Bank, ₹39,822 at Federal Bank and ₹41,822 at Tata Capital. This leaves out processing fees, GST and insurance, and your approved rate may be higher.
Who is eligible for a home loan at Axis Bank, Federal Bank and Tata Capital?
Axis Bank: not published. Federal Bank: Self-employed residents up to 65 years (80 with co-obligant); NRI age not above 55 at end of tenure. Tata Capital: CIBIL over 750 gives more competitive rates; age/income not stated. Each loan provider can ask for more documents once you apply.
Are Axis Bank, Federal Bank and Tata Capital regulated by the RBI?
Yes. Axis Bank is a private bank, Federal Bank is a private bank, Tata Capital is an NBFC, and all lend under RBI rules, including the requirement to give you a Key Fact Statement before you sign.
Where do these home loan figures come from?
From the official pages of Axis Bank, Federal Bank and Tata Capital, opened and checked on 12 October 2026. The sources are listed at the bottom of this page. We show a blank where a loan provider does not publish a figure, and we do not estimate one.
KhatuLoans is not a loan provider and is not paid by the loan providers named here to rank them. Rates, fees and eligibility change; always confirm with the loan provider. Read our editorial policy and how we make money.