Do women get better loan interest rates in India?

Yes, sometimes women do get slightly better loan interest rates in India, but it’s not guaranteed for everyone. Many lenders run special schemes where a female applicant or co-applicant can get a small rate concession, most commonly on home loans, and it can also help with processing fee waivers in some cases. But the final rate still depends more on your credit score, income stability, existing EMIs, employer profile, and the loan amount and tenure. So if your profile is strong, you may get the best rate anyway, and if your profile is weak, “women offer” won’t magically fix it. The best approach is simple: compare total cost across lenders, ask clearly if any women-specific benefit applies, and take it only if the ownership and repayment plan make sense. Thoda benefit mil sakta hai, but decision numbers aur comfort pe hona chahiye.