Do women get lower home loan rates?

Yes. Most scheduled commercial banks and large housing finance companies in India offer a concession of 5 basis points (0.05%) on the home loan rate of interest for women. The woman should be the primary applicant or co-applicant for the loan, and must be listed as the owner or co-owner of the property. The concession is applied automatically to the applicable rate slab.

Which bank offers the lowest rate for women?

The lowest interest rates on home loans are offered by SBI, Axis Bank, HDFC Bank, LIC and ICICI Bank. For women, the 0.05% concession is provided by all of them.

Do women receive concessions on interest rates?

Yes, the home loan interest rate for ladies concession of 5 bps is offered by most public banks. LIC HFL additionally waives the CIBIL score requirement for women borrowers. The PMAY-U 2.0 scheme has mandated that the woman should be named as the sole or co-owner of the property.

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Home Loan Interest Rates for Women: Which Bank Offers the Lowest Rate?

Looking for the lowest home loan interest rates for women? Discover how women borrowers can benefit from concessional interest rates, special offers, eligibility criteria, and practical tips to choose the right home loan and reduce borrowing costs.

Anjali Singh

Assistant Manager

Published Date:Jul 3, 2026

Frequently Asked Questions

Anjali Singh

Assistant Manager

Hey there, I'm Anjali Singh. With over 6 years of experience in finance, I specialize in creating content on banking, loans, and financial planning. My goal is to simplify complex financial topics and help readers make informed decisions through my articles.

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Home Loan Interest Rates for Women: Which Bank Offers the Lowest Rate?

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Anjali Singh

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