Personal, home, vehicle & other loans

SBI Repair and Renovation Home Loan

A home-improvement loan of up to ₹1 crore and up to 20 years, available after five years from the home's first purchase or construction.

Key facts

What the official sources publish

Every value below belongs to this exact product. Select a source marker to check its context.

Maximum financeUp to ₹1 crore
Source 1
Maximum tenureUp to 20 years
Source 2
Property seasoning and credit scoreAt least 5 years after first purchase or construction and minimum CIBIL score 650
Source 3

Benefits and features

  • Repair and renovation purpose
  • Up to ₹1 crore
  • Up to 20 years
  • No prepayment penalty

Eligibility

  • Minimum CIBIL score 650.
  • The first purchase or construction must have been completed at least five years earlier.

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

Documents the bank lists

  • Application and KYC
  • Income and bank evidence
  • Property ownership and renovation documents

Field-level evidence

Where each fact came from

Short context only; open the official page or document for the complete terms.

1

Maximum finance

high confidence
Actual finance depends on SBI assessment.
Source
Repair and Renovation Home Loan
Page / section
Features
Accessed
13 Aug 2026
Open official source ↗
2

Maximum tenure

high confidence
The page states no prepayment penalty.
Source
Repair and Renovation Home Loan
Page / section
Features
Accessed
13 Aug 2026
Open official source ↗
3

Property seasoning and credit score

high confidence
Both conditions are published on the current product page.
Source
Repair and Renovation Home Loan
Page / section
Eligibility
Accessed
13 Aug 2026
Open official source ↗

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