Festive loan offers 2026, compared
Processing fee waivers and rate concessions banks have announced for the 2026 festive season, all in one table. Every offer is time-bound and comes with conditions, so confirm with the lender before you apply.
| Lender | Products | Offer | Valid |
|---|---|---|---|
| Punjab National BankPNB Utsav Festivities 2026 | Home loan, car loan; mortgage and top-up loans for existing home-loan customers | Home loans: full waiver of upfront, processing and documentation charges, plus a 5 bps rate concession. Car loans: upfront and processing charges waived. Existing home-loan customers: extra 10 bps concession on mortgage and top-up loans. | Till 31 December 2026 |
| Kotak Mahindra Bank | Home, car, personal, business, two-wheeler, gold, commercial vehicle and construction equipment loans | 50% waiver on processing fees. | Festive season — check the bank's website |
| Yes Bank | Loans (as reported) | 50% waiver on processing fees. | Till Diwali |
| State Bank of India | Personal, car and gold loans; loans against mutual funds | Concessional interest rates and processing fee waivers for customers. | Festive season — check the bank's website |
| HDFC BankFestive Treats 2026 (from 10 Oct) | Xpress personal loan, Xpress car loan, home loan | Concessional starting rates were reported on Xpress personal loans, Xpress car loans and home loans. The figures quoted could not be reconciled with HDFC Bank's own published rates, so they are not shown here — check the bank's rate page, or our HDFC Bank page, for current rates. No processing fee waiver was reported. | Festive season — check the bank's website |
Source: Business Standard, 6 Oct 2026. Advertised “starting” rates go to the best credit profiles. Offers can change or end early. Always check the terms on the lender's official website.
Already paying a high rate? A festive offer could cut it
If your current personal or home loan rate is well above what lenders are advertising this season, a balance transfer or debt consolidation could lower your EMI. Check the numbers first with our balance transfer savings calculator or the debt consolidation calculator.
Frequently asked questions
LoanServ is a loan facilitator (DSA), not a lender. We are not affiliated with, or an official channel of, the banks listed. Offer details come from public news reports and may have changed.
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