HBA Interest Rate FY 2026-27 – 7.10% for Central Govt Employees
HBA Interest Rate FY 2026-27 – 7.10% for Central Govt Employees
Department: Ministry of Housing & Urban Affairs, Govt of India
Subject: Rate of Interest on House Building Advance (HBA) for Central Govt Employees for FY 2026-27.
Reference: OM No. 5(3)/-B(PD)/2026 dated 09.04.2026.
✅ Rate Revised: The new rate of interest applicable on House Building Advance (HBA) is fixed at 7.10% per annum. Applicable from 1st April 2026 to 31st March 2027.
📊 HBA Interest Rate Details
📉 Revised Rate
7.10%
Per Annum📅 Validity Period
1st April 2026 to 31st March 2027.
🏛️ Reference
OM No. 5(3)/-B(PD)/2026 dated 09.04.2026.
⚖️ Applicability
Applicable to all Central Government Employees availing HBA during FY 2026-27.
Office Memorandum No. 9126778
Subject: Rate of Interest on House Building Advance (HBA) for Central Government Employees for FY 2026-27.
In pursuance of Department of Economic Affairs, Ministry of Finance O.M. No. 5(3)/-B(PD)/2026 dated 09.04.2026, the new rate of interest applicable on House Building Advance sanctioned to Central Government Employees for the financial year 2026-27 will be 7.10% from 1st April 2026 to 31st March 2027 or until further orders.
This issues with the approval of the Competent Authority.
Ministry of Housing and Urban Affairs
📋 Comparison with Other Rates
| Category | Interest Rate |
|---|---|
| HBA (Govt) | 7.10% |
| Bank Housing Loan | ~ 8.40% - 9.40% |
| PPF | 7.1% |
📄 Official Memorandum PDF
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Frequently Asked Questions (FAQ)
1. What is the new HBA Interest Rate?
The new HBA interest rate is 7.10% per annum.
2. When is this rate applicable?
This rate applies from 1st April 2026 to 31st March 2027.
3. Who can avail this benefit?
All eligible Central Government Employees can avail this HBA rate.
4. What is the official reference?
OM No. 5(3)/-B(PD)/2026 dated 09.04.2026.