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SBI Home Loan Interest Rates 2026

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Lowest interest rates starting from 7.1%

Provider Highlights
Interest Rate

Interest Rate

7.25% onwards

Processing Time

Processing Time

6 - 10 Days

Processing Fee

Processing Fee

Rs. 11,800

Max Loan Amount

Max Loan Amount

Up to 10 Cr

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Current SBI Home Loan Interest Rate

Home Loan Schemes Interest Rate (p.a.)*
Home Loan (TL) 7.25% - 8.55%
Home Loan Maxgain (OD) 7.75% - 9.05%
Top-up Loan 7.75% - 10.50%
Top-up (OD) Loan 8.25% - 11.00%
Loan Against Property  (P-LAP) 8.95% to 10.50%
Reverse Mortgage Loan (RML) 10.30%
YONO Insta Home Top-up Loan 8.10%

*Interest rates as on 4th September 2026

SBI offers several home loan schemes for different borrower categories, including salaried individuals, self-employed borrowers, NRIs, government employees, and defence personnel. Home loan tenures can extend up to 30 years for several schemes. Processing charges also vary by loan type and borrower category.

How to Qualify for SBI's Lowest Home Loan Rate

Follow these pointers to qualify for SBI home loan at lowest rate: 

  • High CIBIL Score: A high credit score, preferably above 760, can improve your chances of getting a home loan at lower interest rate
  • Stable Income: A stable income profile can strengthen your home loan application
  • Larger Down Payment: A larger down payment can help reduce the borrowing risk and, in turn, impact the home loan interest rate
  • Floating Interest Rate: Opting for a floating-rate loan can help reduce the interest rate as compared to fixed-rate or hybrid loans.
  • Lower Existing Debt: Reducing existing debt can improve your repayment capacity
  • Female Co-applicant: Sometimes, a female co-applicant can help get a concession in the interest rate on the home loan.
  • Check SBI Rates: Comparing the applicable SBI rate helps you identify the best available offer

Other SBI Home Loan Related Links

SBI Home Loan Processing Fees & Charges

Particulars Amount
Home Loan & Top-up Home Loan Salaried Customers: 0.35% of the loan amount, subject to a minimum fee of Rs. 5,000 and a maximum of Rs. 15,000, plus applicable GSTNon-Salaried Customers: 0.35% of the loan amount, subject to a minimum fee of Rs. 5,000 and a maximum of Rs. 18,000, plus applicable GST
Loan against Property (P-LAP)  0.35% of the loan amount, Minimum Rs.3,000/- and Maximum of Rs. 12,000 + GST
YONO Insta Home Top-up loan  Rs. 3,000 + GST
Suraksha Loan  Nil
Privilege & Shaurya Home Loans  Nil
Processing fee for conversion from Term loan to Maxgain and vice versa  Rs. 5000 + GST
Processing fee for switchover from MCLR / SBAR / Base Rate to EBLR regime  Rs. 5000 + GST
Processing Fee for Revalidation of Loans  Rs. 5000 + GST

SBI Home Loan EMI for Different Tenures

Interest Rate (p.a.) Loan Amount Loan Tenure EMI
7.25% Rs. 10 lakh 5 Years Rs. 19,919
7.25% Rs. 10 lakh 10 Years Rs. 11,740
7.25% Rs. 10 lakh 15 Years Rs. 9,129
7.25% Rs. 10 lakh 20 Years Rs. 7,904
7.25% Rs. 10 lakh 25 Years Rs. 7,228

SBI Home Loan EMI for Different Loan Amounts

Interest Rate (p.a.) Loan Amount Loan Tenure EMI
7.25% Rs. 2 lakh 30 Years Rs. 1,364
7.25% Rs. 5 lakh 30 Years Rs. 3,411
7.25% Rs. 10 lakh 30 Years Rs. 6,822
7.25% Rs. 15 lakh 30 Years Rs. 10,233
7.25% Rs. 20 lakh 30 Years Rs. 13,644
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FAQs

What is the current SBI home loan interest rate?

SBI offers home loan interest rates ranging from 7.25% to 8.55% p.a., depending on the creditworthiness of the applicants.

What is the difference between floating and fixed SBI home loan rates?

SBI offers home loans only at floating interest rates. Floating rates are EBLR-based, i.e., they change with changes in the external benchmark set by the RBI. On the contrary, fixed interest rates remain the same throughout the loan tenure and are not impacted by changes in the repo rate.

How often does SBI change its home loan interest rates?

SBI changes its rates with changes in the repo rate set by the RBI. As the repo rate increases, the interest rates also increase, leading to a rise in the overall borrowing cost, and vice versa.

Does SBI offer special home loan rates for women?

SBI may offer a 0.05% concession on home loan interest rates to its women borrowers, varying from case to case.

Do SBI home loan interest rates depend on credit score?

Lenders usually offer home loan interest rates depending on the credit score, monthly income, job profile, home loan schemes, and loan amount. However, SBI has not specified its differential interest rates based on the aforementioned factors.

What credit score is required to get the lowest SBI home loan interest rate?

A CIBIL score of 760 or above can improve the chances of receiving a competitive home loan rate. However, the final interest rate also depends on other factors such as income, employment profile, loan amount, and repayment capacity.

Does SBI offer home loans to self-employed individuals?

Yes. SBI offers home loan facilities for self-employed and other non-salaried borrowers. Applicants generally need to provide income, business, banking, and financial documents as applicable

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What our customers say

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Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

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Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

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eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

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Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

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Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

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Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

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KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

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Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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Soumil KhannaSep 3, 2021
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Samridhi Srivastava
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Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

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