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REAL-WORLD RATE PREDICTOR
What Rate Will You Actually Get?
Banks advertise 8.50%. Most borrowers get 11–14%. See what rate your actual profile qualifies for — before you walk into a branch.
- Compare your realistic rate across SBI, HDFC, ICICI, Axis, Kotak, and Bank of Baroda before you step into a branch.
- See which profile factors — credit score, employment type, LTV ratio, existing obligations — are costing you basis points.
- Model how a co-applicant, a larger down payment, or an improved CIBIL score changes your actual offer.
This predictor uses publicly available bank eligibility criteria. No personal data is stored or shared. All calculations happen in your browser.