Bank rates across eight markets
Fifty-seven lenders in India, the United States and all six GCC states — home, car and personal lending alongside deposit returns. Filter by country, product or Sharia compliance, and sort by whichever end of the deal you are on.
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A rate table is a shortlist, not a quote
The single most useful number on this page is not any individual rate — it is the spread. When the cheapest and the most expensive lender in your market are a full percentage point apart, that difference, applied to a twenty-year home loan, is a very large sum. Finding it costs you a few phone calls.
Work in this order
- Shortlist on rate here — take the top three or four for your country and product.
- Convert rate into money with the EMI calculator, which prices your exact loan at every lender at once.
- Ask each one for the all-in cost: processing fee, valuation, legal, insurance, and the prepayment terms in writing.
- Then negotiate. Existing customers, salary-account holders and borrowers with a strong credit file routinely get better than the published card.
Reading the deposit side
Switch the product filter to a deposit and the sort flips: highest return first, because on that side of the balance sheet you want the biggest number, not the smallest. Watch the compounding convention — a US CD's APY already includes compounding, while Indian and Gulf banks usually quote a nominal rate that the FD calculator will compound for you.
About these rates
They are compiled from lenders' published rate cards and stamped with the date at the bottom of the table. Rates move — sometimes monthly, sometimes the day a central bank meets — so treat the table as a shortlisting tool that tells you who to call, not as a live feed.
Published rates are the best case: strongest credit profile, lowest loan-to-value, shortest tenure, often an existing relationship or a salary account with the bank. Everyone else is priced above it. The spread between the headline and a typical offer is commonly half a percentage point or more.
On total cost over the term, which is exactly what the EMI calculator produces for both. The profit rate under murabaha or ijara plugs into the same instalment arithmetic. What differs is the contract: the bank takes ownership of the asset and sells or leases it to you, late payment is handled differently, and early settlement rules are not the same. Read those clauses, not just the rate.
No. Processing fees, insurance bundled into the loan, valuation and legal charges, and prepayment penalties can easily outweigh a small rate advantage — especially on shorter loans where there is less interest for the rate to act on. Ask every shortlisted lender for the total cost including fees.