Personal, home, vehicle & other loans

Pre-Approved Home Loan

An income-assessed home-loan limit sanctioned before property finalisation, allowing an applicant to negotiate with a builder or seller with financing eligibility already assessed.

Published starting floating rate7.25% p.a. onwards, subject to SBI card-rate terms and borrower profile Maximum tenure360 months, subject to repayment by age 70 Loan tenureRepayment up to 30 years

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✓ 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.

FacilityIncome-based home-loan limit sanctioned before the property is finalisedView source

Property and final disbursement conditions still apply after limit sanction.

Source: Pre-Approved Home Loan
Page / section: Introduction
Accessed: 13 Aug 2026
Confidence: high

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Published starting floating rate7.25% p.a. onwards, subject to SBI card-rate terms and borrower profileEffective 1 Apr 2026View source

Pre-approval is not a guaranteed rate or final disbursement.

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 months, subject to repayment by age 70View source

Minimum age is 18.

Source: Pre-Approved Home Loan
Page / section: Features and Eligibility
Accessed: 13 Aug 2026
Confidence: high

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Processing feeNon-refundable applicable home-loan processing fee is collected at sanction; current schedule is 0.35% with applicant-type caps plus GSTView source

The current supplies the amount and caps; the product page states non-refundability.

Source: Pre-Approved Home Loan
Page / section: Introduction
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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Prepayment / foreclosureNo pre-payment penaltyView source

The product features list 'No Pre Payment Penalty'.

Source: Pre-Approved Home Loan — official product page
Page / section: Features
Accessed: 29 Aug 2026
Confidence: high

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Loan typeIncome-based home-loan limit sanctioned before the property is finalisedView source

Property and final disbursement conditions still apply after limit sanction. This is the issuer-published facilityType value shown under the comparison field “Loan type”.

Source: Pre-Approved Home Loan
Page / section: Introduction — comparison field: Loan type
Accessed: 13 Aug 2026
Confidence: high

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Loan tenureRepayment up to 30 yearsView source

The page lists 'Repayment up to 30 years' and 'Loan Tenure: up to 30 years'.

Source: Pre-Approved Home Loan — official product page
Page / section: Features and 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

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

Open official source ↗

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

Open official source ↗

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

Open official source ↗

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

Open official source ↗

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

Open official source ↗

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 ↗

Benefits and features

Sanction before property selection
Income-based eligibility assessment
Overdraft option
30-year maximum tenure
No prepayment penalty

Eligibility

Resident Indian applicant aged 18 to 70.
Pre-approval does not remove later property, legal, valuation or disbursement checks.

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

Documents the bank lists

Application and
Income evidence
Six months' bank statements
Existing-loan statements where applicable
Property documents before final disbursement

Try the numbers

Private, instant and based on the values you enter.

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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 · 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 3 · 8 rows · 4 columnsSBI home-loan variant limits and termsPublished limits, tenure and prepayment statements transcribed from each official variant page.View tableHide table

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SBI home-loan variant limits and terms
Variant	Published limit	Published tenure	Prepayment statement
Combo Home Loan	Loan amount linked to card-rate/application route; no numeric cap shown	Up to 30 years	No pre-payment penalty
Home Top Up	Loan amount linked to card-rate/application route; no numeric cap shown	Up to 30 years	No pre-payment penalty
Repair and Renovation	Up to ₹1 crore	Up to 20 years	No pre-payment penalty
2.0	Loan up to ₹25 lakh; project cost up to ₹35 lakh	Not stated on reviewed page	Regular scheme terms; no separate prepayment statement shown
Tribal Plus	₹30 lakh salaried; ₹20 lakh non-salaried	Up to 15 years	No pre-payment penalty
Home Loan	No numeric cap shown; application route linked	Up to 30 years	No pre-payment penalty
Reverse Mortgage	₹2 crore at specified centres; ₹1.50 crore elsewhere	10–20 years depending on age	No pre-payment penalty
Pre-Approved Home Loan	Loan amount linked to card-rate/application route; no numeric cap shown	Up to 30 years	No pre-payment penalty

The pages link to card-rate and application pages for several variants but do not show a numeric product cap; those cells remain explicitly not stated rather than inferred.

Home Loans official variant pages · Individual product pages — Features, Eligibility and Interest Rates & Fees · accessed 29 Aug 2026Open official source ↗

Table 4 · 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 5 · 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 ↗

Pre-Approved 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 Pre-Approved 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

Pre-Approved Home Loan