Home Loan Rate For Rs25 Lakh For 15 Years At Bank Of India

  • Bank of India offers home loans of up to Rs.3 crores to own your dream home. 
  • Interest rates on Bank of India home loans start at 6.85%. 
  • The interest rate on an Rs.25 lakh home loan for a tenure of 15 years would start from 6.85%. 
  • Bank of India home loan rates are linked to your credit score. higher the credit score, lower the interest rate
  • The monthly EMI for the Rs.25 lakhs loan, for a period of 15 years, would be Rs.22,192.

What are the factors affecting my Bank of India Home Loan interest rate?

  • Your credit score plays an important role in determining your home loan interest rate

CIBIL Score Range

Interest Rates

CIBIL Personal Score of 760  and above

Starts at 6.85%

CIBIL Personal Score between 725 to 759

Between 7.00 – 7.15%

CIBIL Personal Score between 675 – 724

Between 7.20 – 7.85%

CIBIL Personal Score below 675

Between 8.15 – 8.35%

CIBIL Personal Score of -1 and 0

Between 7.10% - 7.25%



If you want to get the best interest rate on your home loan, you have to take some steps to improve your credit score first and then apply for the loan. 

Here are some tips on how to improve your credit score quickly!