SBI Home Loan at 8.50% p.a.
India's most trusted bank. Lowest interest rates. Quick approval in 7 days.
SBI Home Loan Products
Choose the right home loan product for your needs
SBI Regular Home Loan
Up to ₹10 Cr+
Up to 30 years
- For salaried & self-employed
- No prepayment charges
- Doorstep service
SBI Flexipay Home Loan
Up to ₹5 Cr
Up to 30 years
- Step-up EMI option
- Lower initial EMIs
- Ideal for young professionals
SBI NRI Home Loan
Up to ₹10 Cr
Up to 30 years
- For NRIs worldwide
- Rupee & forex options
- Power of Attorney facility
SBI Balance Transfer
Up to As per eligibility
Up to 30 years
- Transfer from other banks
- Top-up available
- Save on interest
Current Interest Rates
Effective from January 2026. Rates are subject to change.
| Loan Amount | Salaried | Self-Employed | Women* |
|---|---|---|---|
| Up to ₹30 Lakhs | 8.50% | 8.65% | 8.45% |
| ₹30L - ₹75L | 8.65% | 8.75% | 8.60% |
| ₹75L - ₹5 Cr | 8.75% | 8.85% | 8.70% |
| Above ₹5 Cr | 8.85% | 8.95% | 8.80% |
* Women borrowers get 0.05% concession on all home loans
Eligibility Criteria
Check if you qualify for SBI Home Loan
Salaried Individuals
Self-Employed
Documents Required
Keep these documents ready for quick processing
Identity Proof
- PAN Card
- Aadhaar Card
- Passport
- Voter ID
Address Proof
- Aadhaar Card
- Utility Bills
- Passport
- Rent Agreement
Income Proof
- Salary Slips (3 months)
- Bank Statements (6 months)
- Form 16
- ITR (2 years)
Property Docs
- Sale Agreement
- Title Deed
- Approved Plan
- NOC from Society
Frequently Asked Questions
Everything you need to know about SBI Home Loan
What is the current SBI home loan interest rate?
SBI home loan interest rates start from 8.50% p.a. for salaried individuals. Women borrowers get an additional concession of 0.05%. The rate varies based on loan amount and borrower profile.
What is the maximum loan amount I can get?
SBI offers home loans up to ₹10 Crore or more based on eligibility. Generally, you can get a loan of up to 80-90% of the property value, depending on the loan amount and property type.
What is the maximum tenure for SBI home loan?
The maximum tenure for SBI home loan is 30 years. However, the loan should be repaid before the borrower reaches the age of 70 years (75 years for pensioners).
Are there any prepayment charges?
No, SBI does not charge any prepayment or foreclosure charges on floating rate home loans as per RBI guidelines. You can prepay any amount at any time without penalty.
How long does loan approval take?
With complete documentation, SBI can approve your home loan within 7-10 working days. Through SBI Realty, we help fast-track the process with dedicated relationship managers.
What is the processing fee?
SBI charges a processing fee of 0.35% of the loan amount (minimum ₹2,000, maximum ₹10,000). Special offers may include reduced or waived processing fees.
Ready to Get Your SBI Home Loan?
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