Right time for existing borrowers to save big on their home loans, know how

At the beginning of 2025, home loan interest rates largely ranged between 8.75% and 9.25%, depending on the borrower’s profile and the lender. As policy signals turned accommodative and competition among lenders intensified, rates declined steadily. By the end of 2025-and continuing into the current period-several banks and housing finance companies are offering home loans below 7.5%.