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SBI Home Loan

Buy, build, or renovate your home with SBI Home Loan. Enjoy competitive interest rates, flexible repayment options, and tenures of up to 30 years.

Interest Rate

7.25% p.a. onwards

Processing Fee

17K–20K

Max Tenure

30 Years

Max LTV

Up to 90%

Why apply with butter.money?

Instant eligibility check within 2 minutes
100% digital and paperless process
Dedicated loan expert for your application
Higher chances of approval with smart matching
Exclusive cashback on processing fees

About SBI Home Loan

SBI Home Loan helps you buy, construct, renovate, or transfer your home loan with competitive interest rates and flexible repayment options.

Loan tenure up to 30 years
No prepayment charges on floating-rate loans
Home purchase & construction loans
Balance transfer facility available
Interest concession for women borrowers
Wide SBI branch network

State Bank of India Interest Rates 2026

Based on CIBIL Score & Applicant Type

CIBIL ScoreSalariedSelf Employed
Above 8007.25%7.25%
750 - 7997.65%7.70%
700 - 7497.75%7.80%
650 - 6998.10%8.15%
550 - 6498.40%8.45%
NTC / No Score7.75%7.80%

Fees & Charges

Processing Fees₹15K–₹18K + GST
Prepayment PenaltyNil for floating-rate loans
Legal & Valuation FeeAs per actuals
Late Payment PenaltyApplicable on overdue EMI

Popular State Bank of India Schemes

Find the right product for your needs

Scheme NameBest Suited ForInterest Rate
SBI Regular Home LoanHome purchase or construction7.25% onwards
SBI MaxgainOverdraft-linked home loan7.75% onwards
SBI RealtyPlot purchase7.50% onwards
SBI Privilege / ShauryaGovt & Defence personnel7.25% onwards
%

Compare Top Banks

BANKRATE
State Bank of India7.25% onwards
HDFC Bank7.15% onwards
ICICI Bank7.40% onwards
Axis Bank7.30% onwards

Home Loan EMI Calculator

Loan Amount
₹1,00,00,000
₹10,00,000₹10,00,00,000
Interest Rate
%7.25
6%20%
Tenure (Years)
Yrs15
1 Yr30 Yrs
Your Monthly EMI
₹91,286

Total Amount: 1,64,31,532

Interest AmountLoan Amount
Loan Amount
₹1,00,00,000
Interest Amount
₹64,31,532

Frequently Asked Questions

SBI Home Loan interest rates start from 8.40% p.a., subject to eligibility and credit profile.

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