PSU banks will oppose increasing interest rates on a home loan in the future as they carry on to face stress from the ministry of finance to defend individuals. The taut liquidity situations existing for more than a month now encouraged principal private banks such as Axis Bank BSE -0.29 percent and HDFC Bank BSE 1.61 percent to increase interest rates. However, PSU banks did not increase interest while it upsets their productivity owing to instructions from the ministry of finance. The share of home loan in the case of most of the PSU banks varies from 10 percent to 20 percent with a growth rate of 15 percent annually.