New Delhi, Sept. 20 -- A small difference in home loan interest can change your monthly budget for years. The following comparison places Bank of Maharashtra at the lowest, with rates starting at 7% annually. The Central Bank of India and the Bank of India (BoI) follow, both starting at 7.10%.

The Union Bank of India (UBI) and the LIC Housing Finance list starting rates of 7.15%. The Bank of Baroda's floating rate starts at 7.20%. SBI, Punjab National Bank and South Indian Bank show starting rates of 7.25%.

These are advertised starting rates, rather than guaranteed offers for every applicant. Your approved rate can depend on your credit profile and the lender's assessment. Compare written offers for the same loan amount and repayment p...