Step-up 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⇅ Filter Eligibility SSalaried1 Matches any selected option	Processing fee⇅ Filter Processing fee %Percentage-based fee1₹Flat rupee fee1⌃Fee has a maximum cap1+GST / tax additional1 Matches any selected option	Prepayment / closure⇅ Filter Prepayment / closure 0No penalty / charge1
SBI Flexipay Home LoanState Bank of India	7.25% p.a. onwards, subject to SBI card-rate terms and borrower profile	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, with application by age 45 and repayment by age 70	Value awaiting review	Value awaiting review	0.35% of loan amount, minimum ₹5,000 and maximum ₹15,000, plus GST for salaried customers	No prepayment 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.