Personal, home, vehicle & other loans

Home Loan

A rupee home loan for eligible and , offered as a term loan or Maxgain overdraft with daily reducing balance, up to 30 years' tenure and no prepayment penalty.

Home Loan term-loan rate7.25% to 8.55% p.a.Maximum amountNo absolute maximum loan amount is published on the reviewed NRI Home Loan page. It publishes a minimum loan amount of ₹15 lakh, tenure up to 30 years and a link to the current loan-amount eligibility journey.Maximum tenure30 years

Official product page ↗Compare category

✓ Manually checked 6 Oct 2026 · active

Offered byState Bank of India

India property finance through , subject to / status, property due diligence, credit assessment and applicable Indian regulations

Key facts

What the official sources publish

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

Loan structureHome Loan term loan or Home Loan Maxgain overdraft, on a daily reducing balanceView source

The microsite describes daily-reducing-balance home finance and an overdraft option; the rate card identifies the two structures as Home Loan (TL) and Home Loan Maxgain ().

Source: Home Loans
Page / section: Features
Accessed: 11 Aug 2026
Confidence: high

Open official source ↗

Minimum loan amount₹15 lakhView source

The Eligibility tab states a minimum loan amount of ₹15 lakh.

Source: Home Loans
Page / section: Eligibility
Accessed: 11 Aug 2026
Confidence: high

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Minimum age18 yearsView source

The Eligibility tab states that the minimum applicant age is 18 years.

Source: Home Loans
Page / section: Eligibility
Accessed: 11 Aug 2026
Confidence: high

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Maximum age70 yearsView source

The Eligibility tab publishes a maximum age of 70 years.

Source: Home Loans
Page / section: Eligibility
Accessed: 11 Aug 2026
Confidence: high

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Maximum tenure30 yearsView source

Both the Features and Eligibility tabs state a tenure of up to 30 years.

Source: Home Loans
Page / section: Features and Eligibility
Accessed: 11 Aug 2026
Confidence: high

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Home Loan term-loan rate7.25% to 8.55% p.a.Effective 20 May 2026View source

The official rate card publishes 7.25%–8.55% for Home Loan (TL), linked to and dependent on score.

Source: Home & Home Related Loan Interest Rate
Page / section: Home Loan (TL)
Accessed: 11 Aug 2026
Confidence: high

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Home Loan Maxgain overdraft rate7.75% to 9.05% p.a.Effective 20 May 2026View source

The official rate card publishes 7.75%–9.05% for Home Loan Maxgain (), linked to and dependent on score.

Source: Home & Home Related Loan Interest Rate
Page / section: Home Loan Maxgain ()
Accessed: 11 Aug 2026
Confidence: high

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Published EBLR7.90% p.a.Effective 20 May 2026View source

The rate-card note states that all home loans are linked to and publishes the prevailing as 7.90%.

Source: Home & Home Related Loan Interest Rate
Page / section: Rate-card notes
Accessed: 11 Aug 2026
Confidence: high

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Published additional premium10 basis points for non-salaried borrowers with CIBIL score below 825Effective 20 May 2026View source

The rate-card note adds 10 bps for non-salaried borrowers whose score is below 825 for Home Loans and Top Up Loans.

Source: Home & Home Related Loan Interest Rate
Page / section: Rate-card notes
Accessed: 11 Aug 2026
Confidence: high

Open official source ↗

Prepayment penaltyNo prepayment penaltyView source

The Features tab states there is no prepayment penalty.

Source: Home Loans
Page / section: Features
Accessed: 11 Aug 2026
Confidence: high

Open official source ↗

Published post-sanction chargesApplicable stamp duty and property-insurance premium; CERSAI ₹50 plus GST up to ₹5 lakh loan limit or ₹100 plus GST above ₹5 lakhView source

The tab lists stamp duty, property-insurance premium and CERSAI charges of ₹50 plus up to ₹5 lakh or ₹100 plus above ₹5 lakh.

Source: Home Loans
Page / section: Interest Rates & Fees — Post Sanction Fees
Accessed: 11 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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Prepayment / foreclosureNo prepayment penaltyView source

The Features tab states there is no prepayment penalty. This is the issuer-published prepaymentPenalty value shown under the comparison field “Prepayment / foreclosure”.

Source: Home Loans
Page / section: Features — comparison field: Prepayment / foreclosure
Accessed: 11 Aug 2026
Confidence: high

Open official source ↗

Benchmark7.90% p.a.Effective 20 May 2026View source

The rate-card note states that all home loans are linked to and publishes the prevailing as 7.90%. This is the issuer-published benchmarkRate value shown under the comparison field “Benchmark”.

Source: Home & Home Related Loan Interest Rate
Page / section: Rate-card notes — comparison field: Benchmark
Accessed: 11 Aug 2026
Confidence: high

Open official source ↗

Maximum loan-to-value (LTV)Up to 90% of assessed property value for a loan up to ₹20 lakh; up to 80% for a loan above ₹20 lakh and up to ₹75 lakh; up to 75% above ₹75 lakh.View source

The publishes three bands: 90% up to ₹20 lakh, 80% above ₹20 lakh up to ₹75 lakh and 75% above ₹75 lakh.

Source: Most Important Terms and Conditions — Home Loan
Page / section: Page 1 — Loan to Value Ratio ()
Accessed: 29 Aug 2026
Confidence: high

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Penal interestAn enhanced rate of 2% p.a. over the applicable rate may be charged on the irregular amount when an EMI remains unpaid for 30 days from its due date, including where a cheque is bounced.View source

The states 2% p.a. over the applicable rate on the irregular amount after an remains unpaid for 30 days.

Source: Most Important Terms and Conditions — Home Loan
Page / section: Page 1 — Penal interest
Accessed: 29 Aug 2026
Confidence: high

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Cheque/ECS/SI dishonour charge₹250 for every bounced cheque, ECS or standing-instruction dishonour; the bank notes that the rate may vary from time to time.View source

The fee table states ₹250 for each bounced cheque// dishonour and says the rate may vary.

Source: Most Important Terms and Conditions — Home Loan
Page / section: Page 2 — Bounced cheque/ or dishonours
Accessed: 29 Aug 2026
Confidence: high

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Fixed-rate optionThe MITC says no fixed-rate option is available at the time of the document; the home-loan interest is otherwise charged on a daily reducing balance with monthly rests at the prevailing floating rate.View source

The describes prevailing floating-rate charging and explicitly prints ‘No Fixed rate option is available now’.

Source: Most Important Terms and Conditions — Home Loan
Page / section: Page 1 — Rate of Interest and Calculation of Interest
Accessed: 29 Aug 2026
Confidence: high

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SecurityPrimary security is an equitable or registered mortgage/extension of mortgage over the financed land and building/flat. If mortgage creation is delayed or not possible, SBI may require suitable liquid collateral or a third-party guarantee for the interim period.View source

The sets out mortgage security and permits suitable liquid security or third-party guarantee where mortgage creation is delayed.

Source: Most Important Terms and Conditions — Home Loan
Page / section: Pages 2–3 — Security and Interim Security Pending Mortgage
Accessed: 29 Aug 2026
Confidence: high

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Property insuranceThe house or flat must be comprehensively insured for its market value against fire, flood, earthquake and other applicable risks in the joint names of SBI and the borrower; the borrower bears the cost.View source

The requires comprehensive property insurance in the joint names of the bank and borrower and assigns the cost to the borrower.

Source: Most Important Terms and Conditions — Home Loan
Page / section: Page 3 — Insurance
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeNo numeric minimum income is published. SBI's NRI Home Loan checklist requires employment, salary and tax evidence for the applicant/co-applicant (including last three months' salary proof, six months' salary-credit statements and tax returns, with business financials for non-salaried applicants).View source

The page lists detailed income documents but no rupee salary or annual-income floor.

Source: Home Loan — official product page
Page / section: Income Proof for Salaried and Non-Salaried Applicant / Co-applicant / Guarantor
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Maximum amountNo absolute maximum loan amount is published on the reviewed NRI Home Loan page. It publishes a minimum loan amount of ₹15 lakh, tenure up to 30 years and a link to the current loan-amount eligibility journey.View source

The page states minimum loan amount ₹15 lakh and links to a loan-amount calculator/journey, but does not state an upper rupee ceiling.

Source: Home Loan — official product page
Page / section: Features — Minimum Loan Amount and Loan Amount link
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

TenureDaily reducing balance with up to 30 years' tenureView source

The manually reviewed product summary states: “Daily reducing balance with up to 30 years' tenure”.

Source: Home Loan — official product page
Page / section: Published loan terms in product summary
Accessed: 11 Aug 2026
Confidence: high

Open official source ↗

Processing fee0.35% of loan amount; minimum ₹5,000 and maximum ₹15,000 for salaried or ₹18,000 for non-salaried customers, plus GSTView source

The shows the fee and caps but no printed effective date. Its April 1, 2026 metadata date is not represented as the fee's effective date.

Source: Home Loan & Top Up — Processing Fee Card
Page / section: page 1 — Home Loan & Top Up, salaried and non-salaried rows
Accessed: 6 Oct 2026
Confidence: high

Open official source ↗

Benefits and features

Term-loan and Maxgain overdraft structures
Daily reducing balance with up to 30 years' tenure
No prepayment penalty and a stated concession for women borrowers

Eligibility

Applicants must be or and satisfy credit, income and property checks.
The published applicant-age range is 18 to 70 years and the minimum loan amount is ₹15 lakh.
The final interest rate is linked to , depends on score and may include the published non-salaried risk premium.

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

Documents the bank lists

Completed loan application with passport-size photographs
identity and address documents where the savings account is not -compliant; updated address proof or where required
Property approvals, sale or allotment agreement, occupancy and ownership papers as applicable, approved plan and payment evidence
Six months' overseas salary and savings account statements, Indian account statement if any, and one year of statements for existing loans
Salaried applicants: valid work permit, employment contract with attested English translation where needed, salary evidence, employer and applicable prior-year tax return
Non-salaried applicants: business-address and income proof, two years' audited or -certified financial statements and applicable tax returns, and six months' individual and business overseas bank statements

Try the numbers

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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.

TableTopic

Covered variants · Published detailHome Loan Scheme; Pre-approved Home Loan; Yuva; Max Gain; Realty; ; Gram Niwas/Sahyog Niwas/Tribal Plus; Green Home

This value is copied from Home Loan — shared , charges and repayment rules. Check the table notes before relying on it.

Source: Most Important Terms and Conditions — Home Loan · Pages 1–3 — complete review Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 13 rows · 2 columnsSBI Home Loan MITC — shared LTV, charges and repayment rulesThe four-page MITC’s published rules that apply across the covered SBI home-loan variants.View tableHide table

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SBI Home Loan MITC — shared LTV, charges and repayment rules
Topic	Published detail
Covered variants	Home Loan Scheme; Pre-approved Home Loan; Yuva; Max Gain; Realty; ; Gram Niwas/Sahyog Niwas/Tribal Plus; Green Home
Maximum	90% up to ₹20 lakh; 80% above ₹20 lakh to ₹75 lakh; 75% above ₹75 lakh
Interest method	Prevailing floating rate on daily reducing balance with monthly rests; no fixed-rate option stated as available
Penal interest	2% p.a. over applicable rate on irregular amount after remains unpaid for 30 days
Dishonour charge	₹250 per bounced cheque// dishonour (subject to change)
Loan tenor	Maximum 30 years or until age 70, whichever is earlier
Pre-closure	No pre-payment/pre-closure penalty on home loans, regardless of period or source of funds
Property insurance	Comprehensive cover in joint names of and borrower; borrower bears cost
Security	Equitable/registered mortgage; interim liquid security or third-party guarantee may be required
processing-fee table	Up to ₹25 lakh: 0.25% (minimum ₹1,000); above ₹25 lakh to ₹75 lakh: ₹6,500; above ₹75 lakh: ₹10,000
Other professional fees	Empanelled advocate/valuer fees are not refunded if the loan is not sanctioned; stamp duty and registration charges are separately payable
Conversion	Switching fixed to floating is stated as permissible on payment of 0.56% of outstanding in the
Disbursement	Security documents, mortgage/interim security and statutory compliance must be complete; construction/purchase may be disbursed in stages

Product-specific current rate and fee schedules can change. The table is preserved as a source document and does not overwrite newer product-specific fee records in canonical data.

Most Important Terms and Conditions — Home Loan · Pages 1–3 — complete review · accessed 29 Aug 2026Open official source ↗

Table 2 · 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 ↗

Table 3 · 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

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SBI Home & Home-Related Loan Interest Rate Card
Loan product / mode	Published rate (%)
Home Loan (TL)	7.25%–8.55%
Home Loan Maxgain ()	7.75%–9.05%
Top Up Loan	7.75%–10.50%
Top Up () Loan	8.25%–11.00%
Loan Against Property ()	8.95%–10.50%
Reverse Mortgage Loan (RML)	10.30%
Insta Home Top up Loan	8.10%

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 ↗

Home Loan

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 NRI Home Loan

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