Which is the best bank which offers the best with regards to home loan?

Go for an established leader like HDFC. They have been leaders in this business right from the start., and have set standard policies, which will benefit you.

For e.g HDFC ensures that the builder & completes submits documents like registration, etc. in time. HDFC also usually follows a progress-linked payment scheme. So the builder is only paid at building milestones being achieved. HDFC sends its own surveyor to check on the progress and only when satisfied, releases the payment.

Also, they do not attempt to grow the fastest, say like ICICI Bank which cut many corners while trying to grow too fast. Invariably the processes are short-circuited and there is many a fine-print to read between the lines, which you cant.

All PSU banks like SBI, Corporation Bank are safe bets on this front. I would compare quotes form HDFC and a PSU bank, and then decide. Go for a daily reducing balance or atleast monthly reducing balance loan scheme. And compare aplles to apples i.e. compare for the same tenure, the method of reucing balance used, and the actual EMI per lakh, between 2 banks. The other thing to consider is pre-payment penalty. I think today all banks prescribe it, the minimum being about 2%
Good Luck!

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