HDFC Bank recently indicated that it might increase home-loan rates. Let’s compare home-loan rates offered by leading home-financing institutions—ICICI Bank, HDFC Bank and State Bank of India (SBI)—to get the best rates available in the market today. Currently, SBI is offering floating rates at 9.75% and 10.25% for 15 and 20 years. Against this, ICICI Bank is offering 15 and 20 years floating loans at 10.5%. Rates from HDFC Bank depend on the amount, rather than on the tenure, of the loan. Up to Rs10 lakh, it charges 9.75%, and above Rs10 lakh, it is 9.5%. This is still less than the rates offered by SBI and ICICI Bank. The fixed interest rate by SBI for 10 years is 10.25%. At ICICI Bank and HDFC Bank, the fixed rates are slightly higher at 12.5% and 11%, respectively.