Personal, home, vehicle & other loans

Home Loan for Non-Salaried

A differential home-loan offer for established non-salaried borrowers covering acquisition, construction, takeover and repair or renovation, from ₹20 lakh to ₹50 crore and up to 30 years.

Published starting floating rate7.25% p.a. onwards; non-salaried and credit-profile card pricing applies Maximum loan amountMinimum ₹20 lakh and maximum ₹50 crore Maximum tenure360 months

Official product page ↗Compare category

✓ Manually checked 13 Aug 2026 · active

Offered byState Bank of India

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Eligible purposesConstruction or acquisition of a residential home, takeover from another bank or HFC, and repair or renovationView source

The product is specifically designed for non-salaried individuals.

Source: Home Loan to Non-Salaried
Page / section: Introduction
Accessed: 13 Aug 2026
Confidence: high

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Published loan range₹20 lakh to ₹50 croreView source

Actual sanction depends on underwriting and property value.

Source: Home Loan to Non-Salaried
Page / section: Eligibility
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Business and conduct requirementRelevant firm or company must generally have existed for at least 3 years, earned net profit in the last 2 years, and maintained regular standard credit facilitiesView source

Rules apply where the applicant is proprietor, partner or director.

Source: Home Loan to Non-Salaried
Page / section: Eligibility
Accessed: 13 Aug 2026
Confidence: high

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Published starting floating rate7.25% p.a. onwards; non-salaried and credit-profile card pricing appliesEffective 1 Apr 2026View source

The public page publishes an onwards rate, not a guaranteed non-salaried rate.

Source: Home Loans Interest Rates (Current)
Page / section: Home Loan Card Interest Rates
Accessed: 13 Aug 2026
Confidence: high

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Maximum tenure360 monthsView source

Minimum age is 18.

Source: Home Loan to Non-Salaried
Page / section: Features and Eligibility
Accessed: 13 Aug 2026
Confidence: high

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Processing fee0.35% of loan amount, minimum ₹5,000 and maximum ₹18,000, plus GSTView source

Current fee schedule reviewed 13 August 2026.

Source: Home Loans Processing Fee
Page / section: For Non-Salaried Customers
Accessed: 13 Aug 2026
Confidence: high

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Conversion, 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 2026View source

Every separately listed service charge and applicable benchmark family is retained.

Source: Home Loans — Processing Fee Card Rates
Page / section: Page 1 — Conversion and revalidation charges
Accessed: 13 Aug 2026
Confidence: high

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Loan typeHome loanView source

The official product name identifies this as “ Home Loan for Non-Salaried”.

Source: Home Loan for Non-Salaried — official product page
Page / section: Official product name and loan classification
Accessed: 13 Aug 2026
Confidence: high

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Loan tenureRepayment up to 30 yearsView source

The page states repayment up to 30 years and Loan Tenure up to 30 years.

Source: Home Loan to Non-Salaried — official product page
Page / section: Features; Eligibility
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

BenchmarkSBI 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.Effective 15 Dec 2025View source

The page publishes 7.90% + + , while the Home Loans portal explains that a change in the repo benchmark changes the home/home-related loan rate. No separate / is published for each variant on the reviewed catalogue.

Source: External Benchmark based Lending Rate and Home Loans portal
Page / section: / effective from 15 December 2025; Home Loans portal — Important Notification
Accessed: 29 Aug 2026
Confidence: high

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Maximum loan amountMinimum ₹20 lakh and maximum ₹50 croreView source

The page publishes Loan Amount: Minimum Rs. 20 Lacs & Maximum Rs. 50 crores.

Source: Home Loan to Non-Salaried — official product page
Page / section: Eligibility — Loan Amount
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Up to ₹50 crore
30-year maximum tenure
Purchase, construction, takeover and renovation purposes
Non-salaried underwriting

Eligibility

Resident Indian non-salaried applicant aged at least 18.
Business vintage, profitability and existing credit conduct rules apply to proprietor, partner and director cases.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Application and
Three years' and financial statements
Business licence and address evidence
Six months' bank statements
Property documents

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableReferenceChoose column

· Published value7.90% + +

This value is copied from home-loan benchmark reference. Check the table notes before relying on it.

Source: External Benchmark based Lending Rate and Home Loans Interest Rates · / table; Home Loan Card Interest Rates Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 2 rows · 4 columnsSBI home-loan benchmark referenceThe current published external-benchmark formula and the home-loan portal's repo-reset explanation.View tableHide table

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SBI home-loan benchmark reference
Reference	Published value	Effective date	How it applies
	7.90% + +	15 December 2025	Product and borrower pricing adds the published credit-risk and business-strategy spreads; repo changes can change the account rate.
Home-loan card rate	7.25% p.a. onwards	1 April 2026	Advertised starting rate; the reviewed page does not disclose each product's / breakdown.

The benchmark and advertised starting rate are different fields; the starting card rate is not treated as a universal rate for every borrower or variant.

External Benchmark based Lending Rate and Home Loans Interest Rates · / table; Home Loan Card Interest Rates · effective 15 Dec 2025 · accessed 29 Aug 2026Open official source ↗

Table 2 · 4 rows · 6 columnsSBI home-loan variants — concrete published limits and fee conditionsValues transcribed from the named official product pages.View tableHide table

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SBI home-loan variants — concrete published limits and fee conditions
Variant	Published amount	Income	Tenure	Processing fee	Prepayment
Aashray	Up to ₹20 lakh; project cost ₹45 lakh metro / ₹30 lakh other centres	Gross annual household income up to ₹6 lakh	Not stated	Nil	Not published
Home Loan to Non-Salaried	₹20 lakh minimum to ₹50 crore maximum	No numeric income floor; business and tax records required	Up to 30 years	Low processing fee; linked card	Not published
Home Loan	No fixed amount; online loan-amount route	No numeric income floor	Up to 30 years	No -specific numeric fee on page	No prepayment penalty
2.0	₹25 lakh maximum; project cost ₹35 lakh	Gross annual household income up to ₹9 lakh	Not published separately	No fee up to ₹8 lakh; regular scheme thereafter	Not published

Not published means the complete named page and linked current rate/fee source were checked without a product-specific numeric value.
remains separate from card-rate/interest-rate publication route.

home-loan variant product pages · Features; Eligibility; Interest Rates & Fees · effective 1 Sept 2024 · accessed 29 Aug 2026Open official source ↗

Table 3 · 14 rows · 6 columnsSBI home-loan variants — published values and checked gapsA compact audit table showing what the current official pages publish for the previously sparse comparison cells.View tableHide table

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SBI home-loan variants — published values and checked gaps
Variant		Minimum income	Maximum amount	Tenure	Processing fee
General Home Loan	Not published separately	No rupee threshold published	No fixed cap on page; online eligibility link	Up to 30 years	0.35%; ₹5,000–₹15,000 salaried / ₹5,000–₹18,000 non-salaried +
Balance Transfer	Not published separately	No rupee threshold published	No fixed cap on page; online eligibility link	Extended tenure stated; numeric term not published	0.35%; ₹5,000–₹15,000 salaried / ₹5,000–₹18,000 non-salaried +
Flexipay	Not published separately	Salaried route; no rupee threshold	No fixed cap on page; online eligibility link	Up to 30 years	0.35%; ₹5,000–₹15,000 salaried +
Privilege	Not published separately	Eligible public-sector employees; no rupee threshold	No fixed cap on page	Up to 30 years	Nil; other out-of-pocket costs at actuals
Shaurya	Not published separately	Eligible Defence personnel; no rupee threshold	No fixed cap on page	Up to 30 years	Nil; other out-of-pocket costs at actuals
Pre-Approved Home Loan	Not published separately	Pre-approved route; no rupee threshold	No fixed cap on page; offer route	Up to 30 years	0.35%; current card caps +
Realty	Not published separately	No rupee threshold published	Up to ₹15 crore	Overview 15 years; eligibility says up to 10 years	0.35%; current card caps +
Non-Salaried	Not published separately	Tax/business records; no rupee threshold	₹20 lakh–₹50 crore range stated in product summary	Up to 30 years	0.35%; non-salaried cap ₹18,000 +
Home Top Up	Not published separately	Existing-loan route; no rupee threshold	No fixed cap on page; online eligibility link	Up to 30 years	0.35%; current card caps +
Tribal Plus	Not published separately	No rupee threshold published	₹30 lakh salaried / ₹20 lakh non-salaried	Up to 15 years	0.35%; current card caps +
Reverse Mortgage	Not published separately	Property/age route; no income floor	₹2 crore specified centres / ₹1.50 crore elsewhere	10–20 years	0.35%; ₹3,000–₹12,000 +
Home Loan	Not published separately	No rupee threshold published	No fixed cap on page	Up to 30 years	Page links current card; no product-specific fee shown
Combo Home Loan	Not published separately	No rupee threshold published	No fixed cap on page; online eligibility link	Up to 30 years	0.35%; current card caps +
Repair and Renovation	Not published separately	No rupee threshold published	Up to ₹1 crore	Up to 20 years	0.35%; current card caps +

Not published means the named product page and the linked current rate/fee source were reviewed and did not state that product-specific value; it is not an inferred estimate.
The column is intentionally separate from published interest/card-rate figures.
Realty retains the page's conflicting 15-year overview and 10-year eligibility statements.
The processing-fee was read as a complete one-page table; fee applicability is not extended to where the page does not identify a product-specific fee.

home-loan current rate page, product pages and Processing Fee Card Rates · Current home-loan rate page; individual variant pages; Processing-Fee-Card-Rates.pdf page 1 · effective 1 Apr 2026 · accessed 29 Aug 2026Open official source ↗

Table 4 · 10 rows · 2 columnsSBI Home Loan & Top Up — processing-fee cardComplete transcription of the official one-page fee card. It displays no effective date; values are shown as printed, including applicant-type caps, named scheme waivers, taxes and service charges.View tableHide table

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SBI Home Loan & Top Up — processing-fee card
Product / applicant	Processing fee
Home Loan & Top Up — salaried customer	0.35% of loan amount; minimum ₹5,000 and maximum ₹15,000; plus
Home Loan & Top Up — non-salaried customer	0.35% of loan amount; minimum ₹5,000 and maximum ₹18,000; plus
Loan against Property ()	1% of loan amount; maximum ₹50,000; plus applicable
Reverse Mortgage loan	0.35% of loan amount; minimum ₹3,000 and maximum ₹12,000; plus
Insta Home Top up loan	₹3,000 plus
Suraksha Loan	Nil
Privilege & Shaurya Home Loans	Nil
Processing fee for conversion from Term loan to Maxgain and vice versa	₹5,000 plus
Processing fee switchover from / SBAR / Base Rate to regime	₹5,000 plus
Processing Fee for Revalidation of Loans	₹5,000 plus

The complete one-page was re-downloaded, hashed and visually checked on 6 October 2026. Its metadata shows creation on 1 April 2026, but the page itself prints no effective date; no effective date is asserted here.
Only the ten rows printed on this card are included. Scheme-specific rows not present on this page are not attributed to this source. wording follows the card.

Home Loan & Top Up — Processing Fee Card · page 1 — complete PROCESSING FEE table, all 10 rows · accessed 6 Oct 2026Open official source ↗

Home Loan for Non-Salaried

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

SBI Aashray Home Loan

SBI Assured Car Loan

SBI Certified Pre-Owned Car Loan

SBI Combo Home Loan

SBI Home Loan for Non-Salaried

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

SBI Aashray Home Loan

SBI Assured Car Loan

SBI Certified Pre-Owned Car Loan

SBI Combo Home Loan

Home Loan for Non-Salaried