SBI Home Loan Interest Rates 2025
State Bank of India (SBI) is one of India's largest home loan providers. Current SBI home loan interest rates (2025):
- SBI Regular Home Loan: 8.50% – 9.65% p.a.
- SBI MaxGain (OD facility): 8.60% – 9.75% p.a.
- SBI NRI Home Loan: 8.50% – 9.65% p.a.
- SBI Tribal Plus: 8.55% – 9.65% p.a.
SBI Home Loan Features
- No prepayment penalty on floating rate loans
- Processing fee: 0.35% of loan amount (min ₹2,000, max ₹10,000)
- Maximum tenure: 30 years
- Loan-to-Value ratio: Up to 90% for loans up to ₹30 lakh
- PMAY subsidy available for eligible borrowers
SBI Home Loan EMI at 8.50% Interest
- ₹20 lakh / 20 years → ₹17,356/month
- ₹40 lakh / 20 years → ₹34,711/month
- ₹60 lakh / 20 years → ₹52,067/month
- ₹1 crore / 20 years → ₹86,782/month
Frequently Asked Questions
What is the current SBI home loan interest rate in 2025?
SBI home loan rates in 2025 start from 8.50% per annum for salaried applicants with a CIBIL score of 750+. Rates go up to 9.65% for higher-risk profiles.
How do I apply for an SBI home loan?
Apply online at the SBI website (sbi.co.in), through SBI's YONO app, or visit your nearest SBI branch with income documents, identity proof, and property papers.
Does SBI charge prepayment penalty?
No. SBI does not charge any prepayment or foreclosure fee on floating rate home loans as per RBI guidelines.
What is SBI MaxGain?
SBI MaxGain is a home loan with an overdraft facility. Your surplus funds reduce the loan principal, saving interest, but you can withdraw them when needed.