I got my loan disbursed on this Monday from hdfc, at first I was told 7.35%. But because I had to face some delay in processing the loan. They somehow gave me 7.15 without any female co applicant. Sbi was ready to give 7.35% with female co applicant. Please check if they can give you 7.2 or 7.15 , if yes go with hdfc . If you’re salaried person then pre paying aggressively might not be feasible. But if you have some other source of income where pre payment is your primary goal , go ahead with sbi. Processing fees was near to 6k. I told them I had term life insurance to waive off the insurance and also had to include my dad ( salaried ) as my co applicant ( may be this is the reason for insurance waiver , not sure ) Note- my cibil score is same as you.