The SBI home loan interest rates 2025 ranges from 7.50% to 8.70% p.a., depending on the borrower’s CIBIL score, scheme, and profile. The current SBI home loan interest rate, effective from 1 August 2025, is benchmarked to the RBI repo-linked External Benchmark Rate (EBLR).
Key Highlights:
- Loan Tenure: Up to 30 years
- Processing Fees: 0.35% of the loan amount + GST
- Minimum: Rs. 2,000 + GST
- Maximum: Rs. 10,000 + GST
- Foreclosure Charges: NIL (no prepayment penalty)
Effective 1 August 2025, the SBI home loan interest rates 2025 are as follows:
Home Loan (TL) | 7.50% to 8.70% |
Home Loan Maxgain (OD) | 7.75% to 8.95% |
Top-Up Loan | 8.00% to 10.75% |
Top-Up (OD) Loan | 8.25% to 9.45% |
Loan Against Property(P-LAP Loan) | 9.20% to 10.75% |
Reverse Mortgage Loan | 10.55% |
YONO Insta Home Top-Up Loan | 8.35% |
Note: All the current SBI home loan interest rates are linked to the External Benchmark Rate (EBLR), which is 8.15% currently [RBI Repo Rate (5.50%) + Spread(2.65%)]
SBI Home Loan processing fee (including advocate fee and valuer fee) is as follows:
0.35% of the loan amount + GST
SBI home loan interest rates 2025 change depending on your CIBIL score.
CIBIL Score | Interest Rates |
More than or equal to 800 | 8.15% |
750-799 | 8.25% |
700-749 | 8.35% |
650-699 | 8.45% |
550-649 | 8.65% |
New to credit/no CIBIL Score/-1 | 8.35% |
Here's how SBI home loan interest rates 2025 compare with those offered by other leading banks to help you choose the best option:
Banks | Home Loan Interest Rates(p.a) |
State Bank of India | 7.50% - 8.70% |
Axis Bank | 8.35% - 9.35% |
Bank of Baroda | 7.45% - 9.20% |
Punjab National Bank | 8.25% - 10.85% |
HDFC Bank Limited | 7.90% - 13.20% |
ICICI Bank | 8.75% - 9.80% |
LIC Housing Finance | 7.50% - 10.00% |
Kotak Mahindra Bank | 7.99% onwards |
Federal Bank | 8.75% Onwards |
SBI offers a variety of home loan schemes tailored to meet the needs of different borrowers, from first-time homebuyers to government employees and NRIs. Here are some of the most popular options:
Home Loan Scheme | Description |
SBI Regular Home Loan | A home loan with a repayment tenure of up to 30 years; interest is calculated on a daily reducing balance. |
SBI NRI Home Loan | NRIs can avail of home loans to invest in properties in India. |
SBI Flexipay Home Loan | Salaried employees can get a 20% higher loan amount and get the option to pay only interest during the moratorium period and pay moderated EMIs thereafter. |
SBI Shaurya Home Loan | Dedicated to army and defence personnel, this scheme comes with lower rates, ease of repayment options and longer repayment tenure. |
SBI Home Top Up Loan | Borrow a loan amount over and above the current home loan if you need more funding. It can be availed for any personal purpose since the interest rates are much lower than that of personal loans. |
SBI Smart Home Top Up Loan | This is a general-purpose loan to meet urgent requirements, such as education, marriage, renovation, repair, furnishing, etc. |
SBI YONO Insta Home Top-Up Loan | The scheme is only available for pre-selected home loan customers over yono mobile app |
SBI Corporate Home Loan | Corporate entities can avail the loan for the construction or acquisition of residential units in the company’s name to use directors, promoters, and employees. |
SBI Tribal Plus | Purchase or construction of a new house/flat without having to mortgage the land, purchase of an existing house/flat which is not more than 10 years old, and repair/renovation/extension of a current house or flat. |
SBI Reverse Mortgage Loan | The scheme provides additional income for senior citizens who have self-acquired, self-occupied homes in India but do not have enough income to support themselves. Payments will be made against the mortgage of the residential property. |
SBI Loan against Property (P-LAP) | Get a loan against property for serving personal matters. The loan is not provided for business purposes. |
SBI Maxgain | This is an overdraft facility that comes with the usual EMI repayment structure. The overdraft limit will be reduced every month. |
Usually, the home loan is a significant amount taken for a longer period upon which interest is levied. An important tool like SBI Home Loan EMI Calculator helps you evaluate and plan your budget.
SBI Home Loans offer flexible tenures, zero foreclosure charges, and special concessions for women and government employees. The SBI home loan interest rate in 2025 remains one of the most affordable in India, ranging from 7.50% to 8.70% p.a.. The current SBI home loan interest rate ensures convenient financing for all borrower profiles.
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