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Personal, home, vehicle & other loans

Loan Against Property

A personal-purpose term loan secured by residential or select commercial property, from ₹10 lakh to a location-dependent ₹7.5 crore, with up to 65% and tenure from five to 15 years.

Loan Against Property interest rate8.95%–10.50% on SBI's current P-LAP rate-card row; rates are based on CIBIL score. The card does not print '% p.a.'.Maximum amountLocation-dependent ceiling up to ₹7.5 crorePublished tenureMinimum five years and maximum 15 years, subject to income continuity, property life and repayment before the eldest borrower turns 70
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Quick eligibility check

Loan Against Property

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Is your income at least ₹25,000 per month or ₹3 lakh per year?

Published source: Minimum income

2Are you in one of these applicant groups: employees, professionals, self-employed tax assessees and NRIs?

3Is the property held by you or an eligible close family member, with any required co-borrower or security arrangement?

4Will the oldest borrower repay the loan before age 70?

5Document checkDo you have this required document or proof: Loan application and KYC?

Published source: Minimum income

6Document checkDo you have at least one of these required documents: Income-tax returns or other accepted income evidence?

Published source: Minimum income

7Document checkDo you have this required document or proof: Property title, approved plan and current valuation documents?

Published source: Minimum income

8Document checkDo you have at least one of these required documents: Co-borrower or family-owner documents where applicable?

Published source: Minimum income
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 6 Oct 2026 · active
Offered byState Bank of India

branches, subject to property type, location, valuation, title, income and underwriting

Key facts

What the official sources publish

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

Facility and purposePersonal-purpose loan secured by an equitable mortgage of residential or select commercial property; speculative use is excludedView source
Education, marriage and healthcare are examples; the page says an end-use undertaking is used rather than documentary proof.
Source
Loans Against Property
Page / section
Features and Property Loan Scheme
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Eligible collateralEquitable mortgage of an eligible residential home or flat or select commercial property; rented commercial property also requires assignment of rent and additional agreementsView source
Property eligibility, clear title, valuation and legal acceptability remain subject to appraisal.
Source
Loans Against Property
Page / section
Security
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Published loan range₹10 lakh to ₹7.5 crore, with the maximum subject to property locationView source
The published maximum is not an entitlement and is constrained by , income and location.
Source
Loans Against Property
Page / section
Property Loan Scheme
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Maximum loan-to-value ratio65% for loans up to ₹1 crore; 60% above ₹1 crore and up to ₹7.5 croreView source
valuation rather than the owner's estimate determines property value for underwriting.
Source
Loans Against Property
Page / section
Ratio
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Published tenureMinimum five years and maximum 15 years, subject to income continuity, property life and repayment before the eldest borrower turns 70View source
Age and property-life rules can shorten the available term.
Source
Loans Against Property
Page / section
Loan Tenor and Maximum Age
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Minimum income₹25,000 net monthly income or ₹3 lakh annual incomeView source
Maximum / is published as 50%-60% depending on net annual income.
Source
Loans Against Property
Page / section
Eligibility
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Processing feeLoan against Property (P-LAP): 1% of the loan amount, capped at ₹50,000, plus applicable GST.View source
The row states: Loan against Property () 1% of the loan amount, maximum ₹50,000 plus applicable .
Source
Home Loan & Top Up — Processing Fee Card
Page / section
Page 1 — Processing Fee — Loan against Property ()
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Loan typePersonal-purpose loan secured by an equitable mortgage of residential or select commercial property; speculative use is excludedView source
Education, marriage and healthcare are examples; the page says an end-use undertaking is used rather than documentary proof. This is the issuer-published facilityType value shown under the comparison field “Loan type”.
Source
Loans Against Property
Page / section
Features and Property Loan Scheme — comparison field: Loan type
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo prepayment penalty is published for this product on the reviewed SBI page; confirm the current sanction terms before applying.View source
The reviewed product page states the processing fee and does not publish a separate prepayment penalty; the absence is recorded explicitly rather than treated as a zero charge.
Source
Loans Against Property
Page / section
Features and Processing Fees
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Maximum amountLocation-dependent ceiling up to ₹7.5 croreView source
The manually reviewed product summary states: “Location-dependent ceiling up to ₹7.5 crore”.
Source
Loan Against Property — official product page
Page / section
Published loan terms in product summary
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
TenureTenure up to 15 yearsView source
The manually reviewed product summary states: “Tenure up to 15 years”.
Source
Loan Against Property — official product page
Page / section
Published loan terms in product summary
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Loan Against Property interest rate8.95%–10.50% on SBI's current P-LAP rate-card row; rates are based on CIBIL score. The card does not print '% p.a.'.Effective 20 May 2026View source
The current linked card gives a row of 8.95% to 10.50%, effective 20.05.2026. The product page also links a 2019 spread table; that older schedule is not presented as the current numeric rate.
Source
Home and Home Related Loan Interest Rate Card
Page / section
Loan Against Property () row; and effective-date notes
Accessed
6 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Personal-purpose borrowing from ₹10 lakh
  • Location-dependent ceiling up to ₹7.5 crore
  • Tenure up to 15 years
  • No published prepayment penalty
  • Rental income may be considered in eligible cases

Eligibility

  • Applicants include eligible employees, professionals, self-employed tax assessees and .
  • The property may be held by the applicant or specified close family, subject to required co-borrower or security arrangements.
  • The oldest borrower must repay before age 70.
  • The official spread table linked by is stale and the live rate must be reconfirmed before applying.
  • The overlapping older mortgage page is not represented as a second product.

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

Documents the bank lists

  • Loan application and
  • Income-tax returns or other accepted income evidence
  • Property title, approved plan and current valuation documents
  • Co-borrower or family-owner documents where applicable
  • Rental assignment and tripartite or power-of-attorney documents for eligible leased commercial property

Related official documents

SBI Home and Home Related Loan Interest Rate Cardofficial-rate-card · current · accessed 6 Oct 2026
↗
SBI Home Loan & Top Up — Processing Fee Cardofficial-fee-card-pdf · current · accessed 6 Oct 2026
↗
SBI Home Loans — Processing Fee Card Ratesofficial-fee-pdf · current · accessed 13 Aug 2026
↗
SBI Home Loan & Top Up — Processing Fee Cardofficial-pdf · current · accessed 29 Aug 2026
↗
SBI Loans Against Property interest-rate spreadsofficial-interest-rate-page · uncertain · accessed 13 Aug 2026
↗
SBI MCLR Historical Data — 15 May 2026official-benchmark-rate-table · current · accessed 13 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

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

One monthly payment₹22,413twenty-two thousand four hundred thirteen rupees
Interest paid over the full loan₹28,79,077twenty-eight lakh seventy-nine thousand seventy-seven rupees
Everything you repay₹53,79,077fifty-three lakh seventy-nine thousand seventy-seven 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.

Home Loan & Top Up — salaried customer · Processing fee0.35% of loan amount; minimum ₹5,000 and maximum ₹15,000; plus

This value is copied from Home Loan & Top Up — processing-fee card. Check the table notes before relying on it.

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

Published tables

Complete rates, limits and schedules

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

Table 1 · 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

Scroll sideways to view every column

SBI Home Loan & Top Up — processing-fee card
Product / applicantProcessing fee
Home Loan & Top Up — salaried customer0.35% of loan amount; minimum ₹5,000 and maximum ₹15,000; plus
Home Loan & Top Up — non-salaried customer0.35% 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 loan0.35% of loan amount; minimum ₹3,000 and maximum ₹12,000; plus
Insta Home Top up loan₹3,000 plus
Suraksha LoanNil
Privilege & Shaurya Home LoansNil
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 ↗
Table 2 · 7 rows · 2 columnsSBI Home & Home-Related Loan Interest Rate CardAll seven product rows from SBI's image rate card effective 20 May 2026, transcribed with the card's benchmark, CIBIL and non-salaried-customer notes.View tableHide table

Scroll sideways to view every column

SBI Home & Home-Related Loan Interest Rate Card
Loan product / modePublished rate (%)
Home Loan (TL)7.25%–8.55%
Home Loan Maxgain ()7.75%–9.05%
Top Up Loan7.75%–10.50%
Top Up () Loan8.25%–11.00%
Loan Against Property ()8.95%–10.50%
Reverse Mortgage Loan (RML)10.30%
Insta Home Top up Loan8.10%
  • The card says all home loans are linked to and displays prevailing as 7.90%.
  • It adds 10 basis points for non-salaried customers with CIBIL score below 825 on Home Loans and Home Top Up Loans; it says rates are based on score and terms and conditions apply.
  • The image labels its effective date as 20.05.2026. It does not print '% p.a.' beside the listed rate values.
Home and Home Related Loan Interest Rate Card · Entire 813 × 597 image — all 7 product rows, note and footnotes · effective 20 May 2026 · accessed 6 Oct 2026Open official source ↗

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