SBI Home Loan— Interest Rates, Eligibility & How to Apply
SBI is India's largest home-loan lender, offering some of the lowest floating rates, low processing fees and special schemes for women borrowers.
Soft check — comparing won't affect your credit score.
SBI Home Loan at a glance
Interest rate
from 8.4% p.a.
Max amount
No fixed cap
Max tenure
30 years
Processing fee
up to 0.35%
Figures are illustrative 2026 ranges and subject to the lender's current policy. See our editorial policy.
Why choose SBI?
- Among the lowest floating rates
- Concessions for women borrowers
- Low processing fee
- No prepayment charge on floating loans
SBI Home Loan eligibility
- Salaried & self-employed
- Age 18–70
- Good credit history
- Approved property
How to apply via RupeeQuik
1. Compare
See your eligible home loan offers with a soft check.
2. Choose
Pick the best-fit offer by total cost, not just the headline rate.
3. Apply
Finish on the lender’s page — your verified details carry over.
SBI Home Loan — FAQs
What is the SBI home loan interest rate?+
SBI home loan rates start from around 8.4% p.a. (floating), linked to the repo rate and your credit profile.
Does SBI charge a home loan prepayment penalty?+
No, there is no prepayment or foreclosure charge on floating-rate home loans.
Is there a concession for women home-loan borrowers at SBI?+
Yes, SBI typically offers a small rate concession when a woman is the primary applicant or co-applicant.
