Government-employee home loans

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Product and bank⇅	Interest rate⇅ Filter Interest rate %7–9%1	Benchmark⇅ Filter Benchmark EEBLR1RRepo rate linked1 Matches any selected option	Maximum finance⇅	Maximum tenure⇅ Filter Maximum tenure ◷Above 10 years1	Minimum income⇅	Eligibility⇅	Processing fee⇅	Prepayment / closure⇅
SBI Privilege Home LoanState Bank of India	7.25% p.a. onwards SBI also publishes a check-off concession for this scheme	SBI home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current EBLR reference is 7.90% + CRP + BSP (effective 15 December 2025) the borrower- and product-specific CRP/BSP is set under SBI's current card-rate terms. SBI's home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	360 months, subject to repayment by age 75	Value awaiting review	Central or State Government employees including eligible PSB and Central PSU employees, and other individuals with pensionable service	Full waiver of processing fee out-of-pocket legal, valuation, CERSAI and CIBIL charges continue at actuals	No pre-payment penalty

Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.