Key facts
What the official sources publish
Every value below belongs to this exact product. Select a source marker to check its context.
PurposePersonal needs other than speculative purposes
Source 1Maximum tenureUp to 30 years
Source 2Processing fee0.35% of loan amount; ₹5,000–₹15,000 for salaried and ₹5,000–₹18,000 for non-salaried customers, plus GST
Source 3Home-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 4Conversion, 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 5Benefits and features
- Term-loan or overdraft option
- No prepayment penalty
- Daily-reducing balance
- Up to 30 years
Eligibility
- Resident Indian and NRI customers aged 18 to 70 may be considered.
- Availability depends on the existing SBI home loan and underwriting.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Application and KYC
- Income-tax or salary evidence
- Bank statements and existing home-loan records