Best Home Loan for Women — Special Rates 2026
Women borrowers and co-applicants get an extra 0.05-0.10% rate concession at SBI, HDFC, ICICI, Axis, and PNB. This means SBI home loan for women is 8.45% (vs 8.50% for others). Additionally, women get lower stamp duty (1-2% discount) in states like Maharashtra, Delhi, and Tamil Nadu when the property is in their name.
Last updated: April 6, 2026
Best Home Loan Banks — Ranked April 2026
#1Best pick
Bank of Baroda8.40% (Women)
Extra 0.05% concession for women — lowest in India
#2
Canara8.40% (Women)
Canara Mahila Shakti — dedicated women scheme
#3
SBI8.45% (Women)
SBI Her Ghar — 0.05% off + stamp duty savings
#4
PNB8.45% (Women)
0.05% concession for women applicants
#5
HDFC8.65% (Women)
HDFC Mahila Home Loan — flexible eligibility
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Calculate your EMI →Frequently Asked Questions
Do women get lower home loan interest rates in India?+
Yes, 0.05% concession is offered at SBI, PNB, Bank of Baroda, Canara, and HDFC for women applicants or women co-applicants. This may seem small but saves ₹1-2L over a 20-year loan.
What is the benefit of home loan in wife's name?+
Lower stamp duty (1-2% savings), potential 0.05% lower interest rate, and both spouses can claim home loan deductions separately under Section 80C and 24(b) if both are co-borrowers.
Can a homemaker woman get a home loan?+
Yes, if she is a co-applicant with an earning spouse. In her own name, she would need income proof (rental income, business income, etc.). SBI and PSU banks are more flexible here.
Disclaimer: Rates are indicative as of April 2026 and subject to change. This is for informational purposes only. Verify with the bank before making financial decisions.