Key facts
What the official sources publish
Every value below belongs to this exact product. Select a source marker to check its context.
Repayment structureInterest-only pre-EMI during the moratorium, then moderated EMIs that step up in subsequent years
Source 1Published eligibility upliftUp to 20% higher home-loan eligibility
Source 2Published starting floating rate7.25% p.a. onwards, subject to SBI card-rate terms and borrower profileEffective 1 Apr 2026
Source 3Maximum tenure360 months, with application by age 45 and repayment by age 70
Source 4Processing fee0.35% of loan amount, minimum ₹5,000 and maximum ₹15,000, plus GST for salaried customers
Source 5Home-loan processing-fee scheduleHome Loan and Top Up processing fee: salaried customers 0.35% of loan amount, minimum ₹5,000 and maximum ₹15,000, plus GST; non-salaried customers 0.35%, minimum ₹5,000 and maximum ₹18,000, plus GST.Effective 1 Apr 2026
Source 6Conversion, switchover and revalidation chargesTerm Loan to Maxgain or Maxgain to Term Loan conversion: ₹5,000 plus GST. Switchover from MCLR, SBAR or Base Rate to EBLR: ₹5,000 plus GST. Loan revalidation: ₹5,000 plus GST.Effective 1 Apr 2026
Source 7Benefits and features
- Up to 20% higher eligibility
- Interest-only moratorium
- Stepped-up EMIs
- 30-year maximum tenure
- No prepayment penalty
Eligibility
- Resident salaried applicants aged 21 to 45 at application.
- Repayment must ordinarily finish by age 70.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Application and KYC
- Salary and Form 16 or ITR evidence
- Six months' bank statements
- Property documents