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SBI Shaurya Home Loan

Home SBI Home Loan SBI Shaurya Home Loan

State Bank of India (SBI) offers Shaurya Home Loan scheme to the army and other defense personnel for tenures of up to 30 years. The loan amount is sanctioned on the basis of applicant’s profile, income, age, repaying capacity, assets, liabilities, cost of proposed house/flat, etc. The bank also offers overdraft facility, branded as Max Gain, to SBI Shaurya loan applicants purchasing ready to move-in properties under this home loan scheme.

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Updated: 31-12-2025 07:22:03 AM
SBI Shaurya Home Loan Highlights 
Interest rate 7.25%-8.70% p.a.
Loan amount Based on the applicant’s profile
Loan tenure Up to 30 years
Processing fee NIL

Note: Interest rates as of 1st January 2026

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Check Home Loan Offers for Defence Personnel from top lenders Click Here

SBI Shaurya Home Loan Interest Rates

SBI has not explicitly mentioned the interest rates for the Shaurya Home Loan Scheme. However, SBI Home Loan interest rates start at 7.25% p.a.
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Get Home Loan at Attractive Interest Rates Click Here

Compare Home Loan Interest Rates of Top Banks & HFCs

Name of LenderLoans of Up to Rs. 30 Lakh
Bank of India7.10% p.a. onwardsCheck Eligibility
State Bank of India7.25% p.a. onwardsCheck Eligibility
Punjab National Bank7.20% p.a. onwardsCheck Eligibility
Canara Bank7.15% p.a. onwardsCheck Eligibility
HDFC Bank7.90% p.a. onwardsCheck Eligibility
Bajaj Housing Finance7.40% p.a. onwardsCheck Eligibility
ICICI Bank7.65% p.a. onwardsCheck Eligibility
Axis Bank*8.25% p.a. onwardsCheck Eligibility
Federal Bank*7.90% p.a. onwardsCheck Eligibility
Kotak Mahindra Bank7.70% p.a. onwardsCheck Eligibility
IDFC FIRST Bank8.85% p.a. onwardsCheck Eligibility
IDBI Bank7.35% p.a. onwardsCheck Eligibility
RBL Bank8.20% p.a. onwardsCheck Eligibility
Tata Capital Housing Finance7.75% p.a. onwardsCheck Eligibility
PNB Housing Finance*7.20% p.a. onwardsCheck Eligibility
Sammaan Capital
(Formerly known as Indiabulls Housing Finance)		8.75% p.a. onwardsCheck Eligibility
India Shelter Home Loan8.43% p.a. onwardsCheck Eligibility
L&T Finance Limited*8.40% p.a. onwardsCheck Eligibility
Godrej Housing Finance7.75% p.a. onwardsCheck Eligibility
Home First Finance8.00% p.a. onwardsCheck Eligibility
Easy Home Finance8.99% p.a. onwardsCheck Eligibility
Piramal Capital Housing Finance*8.25% p.a. onwardsCheck Eligibility
Shubham Housing Finance10.45% p.a. onwardsCheck Eligibility
Punjab & Sind Bank7.30% p.a. onwardsCheck Eligibility
Jio Housing Finance8.20% p.a. onwardsCheck Eligibility
HDFC Sales Pvt Ltd7.90% p.a. onwardsCheck Eligibility

SBI Shaurya Home Loan Fees and Charges

Processing fee and Prepayment Charges

Processing fee NIL
Prepayment charges NIL

Other Fees and Charges

CERSAI Charges For a limit of up to Rs 5 Lakh: Rs 50+ GST
For a limit of above Rs 5 Lakh: Rs 100 + GST
Advocate’s fee To be paid at actuals
Valuer’s fee To be paid at actuals
Stamp duty To be paid at actuals
Property insurance premium To be paid at actuals

Click here to know detailed fees and charges of SBI Home Loan

SBI Shaurya Home Loan Eligibility Criteria

Borrower profile Indian Resident
Minimum age 18 years
Maximum age 75 years
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Check your Home Loan Eligibility with Top Banks/HFCs Click Here

SBI Shaurya Home Loan Documents Required

For all applicants:

  • Employer Identity Card
  • Completed loan application form duly filled in and affixed with 3 Passport size photographs
  • Identity Proof (any one): PAN Card/ Passport/Driver’s License/Voter ID
  • Residence Proof (any one): Recent copy of telephone bill/electricity bill/water bill/piped gas or copy of Passport/Driver’s License/Aadhaar Card

Property papers:

  • Permission for construction (wherever applicable)
  • Registered agreement for sale (only for Maharashtra)/ Allotment letter/ Stamped agreement for sale.
  • Occupancy certificate (in case of move-in property)
  • Share certificate (only for Maharashtra), Maintenance bill, Electricity bill, property tax receipt
  • Approved plan copy (Xerox blueprint) and Registered Development agreement of the builder, Conveyance deed (for new property)
  • Payment receipt or bank account statement showing all the payments made to the builder/seller

Account statement:

  • Last 6 months bank account statements for all bank accounts held by the applicant/s.
  • If any previous loans are from other banks/lenders, then the loan account statement for the last one year.

Income proof for the salaried applicant/ co-salaried applicant/guarantor:

  • Salary slip or salaried certificate of last 3 months
  • Copy of Form 16 for the last 2 years or copy of IT returns for the last 2 financial years, acknowledged by the IT department

Income proof for non-salaried/co-applicant/guarantor:

  • Business address proof
  • IT returns for the last 3 years
  • Balance sheet and profit & loss account for last 3 years
  • Business License details (or equivalent)
  • TDS Certificate (Form 16A, if applicable)
  • Certificate of qualification (for C.A, Doctors and other professionals)

Click To:- Know More SBI Home Loan Documents Requirements

 

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