SBI Maxgain Home Loan

State Bank of India offers SBI Maxgain, its home loan overdraft facility, starting at 7.50% p.a. The loan scheme can...

Competitive Interest Rates

Starting 7.10% p.a.

Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

Dedicated Customer Support

Expert Assistance at Every Step

Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

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Lowest interest rates starting from 7.1%

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Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Competitive Interest Rates

Starting 7.10% p.a.

Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

Dedicated Customer Support

Expert Assistance at Every Step

Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

Find Best Home Loan Offers

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HDFC Bank

Min Loan Amt. ₹15L

Rate of Interest7.2% - 13.2%

Tenure uptoUpto 30 Years

Processing Fee₹ 10,000

ICICI Bank

Min Loan Amt. ₹15L

Rate of Interest7.65% - 9.80%

Tenure uptoUpto 30 Years

Processing Fee₹ 10,000

Axis Bank

Min Loan Amt. ₹30L

Rate of Interest8.35% - 11.90%

Tenure uptoUpto 30 Years

Processing Fee₹ 14,000

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How Can I Apply for a Home Loan Online?

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Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

SBI Maxgain Home Loan Highlights

Particulars	Details
Interest Rate	7.50% - 8.70% p.a.
Loan Tenure	Up to 30 years
Eligibility Criteria	Only for buying "Ready to Move-in" property

Note: Interest rates as of 1st January 2026

SBI Maxgain Interest Rates

SBI home loan interest rate ranges from 7.50% p.a. to 8.70% p.a. The bank has not mentioned its differential interest rates on the basis of credit score, repayment history, job profile, employer’s profile, monthly income, etc. However, just like other lenders, the bank may factor in the above parameters while setting SBI Maxgain interest rates of their applicants.

SBI Maxgain Home Loan Processing Fees and Charges

Particulars	Details
Processing Fees	0.35% of loan amount (Rs 2,000 – Rs 10,000) + GST
Pre-payment Charges	NIL
CERSAI Charges	– Up to Rs 5 lakh – Rs 50 – Above Rs 5 lakh – Rs 100

Also Read: Home Loan EMI Calculator

Documents Required for SBI Maxgain Home Loan

The documents required to apply for SBI Maxgain are similar to the documents required to apply for a regular SBI home loan. Here’s the general list of documents that might be required at the time of applying for SBI Maxgain:

General Documents

Duly filled application form with 3 passport sized photographs
KYC documents (Identity Proof and Address Proof)

Property Papers

Permission for construction
Sale agreement Registered (only Maharashtra), Allotment letter, Stamped Sale Agreement
Occupancy certificate (ready to move in), maintenance bill, electricity bill, property tax receipt
Copy of plan approved
Registered Development Agreement of the builder
Conveyance Deed
Bank account details or payment receipts for payments made for the builder

Account Statement

Bank account statement for last 6 months for all bank accounts
Loan account statement for last 1 year for previous loan from other financial institutions

Income Proof for Salaried Applicant/Co-applicant/Guarantor

Last 3 months salary slip/certificate
Copy of ITR/Form 16, acknowledged by IT Department

Income Proof for Non-Salaried Applicant/Co-applicant/Guarantor

ITR for last 3 years
Business Address Proof
Profit and loss account and balance sheet for last 3 years
TDS Certificate (Form 16)
Qualification Certificate for CA, Doctors and other professionals
Business License Details

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SBI Maxgain Eligibility Criteria

The eligibility criteria set for SBI Maxgain and regular SBI home loan is usually the same. The below-mentioned list might give you a general idea of the home loan overdraft eligibility:

Applicant should be an Indian Resident
Applicant should have availed the overdraft facility for buying “Ready to Move-in” property

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Explore Our Home Loan Lenders

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