Union Bank of India Home Loan
Interest rates from 7.35% p.a. (up to 9.75%) · EMI from ₹34,449/month on a ₹50L loan over 30 years. Rates as of June 2026.
Want the lowest rate? See how repo rate, bank spread & your CIBIL build this rate →
About Union Bank of India home loans
EBLR-linked floating home loans with concessions for women and balance-transfer borrowers.
Union Bank home loan EMI table (7.35% p.a.)
Monthly EMI at Union Bank's minimum rate. Tap any amount for the full breakdown.
How much interest will a Union Bank loan cost?
A ₹50 lakh Union Bank home loan at 7.35% over 20 years means about ₹45.57 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare Union Bank with other lenders →
Union Bank home loan by city
Compare Union Bank with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| Union Bank (this page) | 7.35% | ₹39,822 |
| BoB | 7.2% | ₹39,367 |
| Bajaj Housing | 7.25% | ₹39,519 |
| BoM | 7.35% | ₹39,822 |
| Indian Bank | 7.4% | ₹39,974 |
| SBI | 7.5% | ₹40,280 |
| PNB | 7.5% | ₹40,280 |
Get the lowest rate on your Union Bank home loan
Our advisors help you negotiate the rate and structure prepayments. Zero cost.
Frequently Asked Questions
What is the Union Bank of India home loan interest rate in 2026?
Union Bank of India offers home loans starting at 7.35% p.a., going up to 9.75% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh Union Bank home loan?
At 7.35% p.a., a ₹50 lakh Union Bank home loan has an EMI of about ₹39,822 for 20 years — roughly ₹34,449 for 30 years and ₹45,925 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a Union Bank home loan?
Union Bank of India's processing fee is Varies, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a Union Bank home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Union Bank home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with Union Bank of India before applying. NestSaver is an information and planning service, not a lender.