Effective interest on home loans in India FY 2000-2021

Published by Sandhya Keelery, Jul 10, 2025
In financial year 2021, the effective interest rate on home loans was a little over ***** percent on average. This was a slight increase compared to the previous year, when the interest rate stood at *** percent. This increase happened after years of decreasing interest rates.

The reasons for this decline over the last decade are the general decrease in the nominal interest rate as well as the introduction of governmental subsidy programs such as the Credit Linked Subsidy Scheme (CLSS). In general, home loans in 2020 were more affordable than in 2000.
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Effective interest on home loans in India from financial year 2000 to 2021

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Release date

May 2021

Region

India

Survey time period

FY 2000 to FY 2021

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