What is the processing fee?

The processing fee shown on this page is ₹10,000 + GST.

What is the maximum home loan tenure?

The maximum tenure is 30 years.

What CIBIL score is preferred?

A higher CIBIL score generally qualifies for more competitive rates; the CIBIL-linked ranges are shown above.

What documents are required?

KYC, income and property documents are required as listed in the Documents tab.

Can I transfer my existing home loan to SBI?

Yes. Home loan balance transfer is available for eligible borrowers.

State Bank of India Home Loan

State Bank of India offers home loans for purchase, construction, renovation, and balance transfers through its wide branch network. Butter Money helps you understand suitable schemes, compare options, and move through the application confidently. Apply confidently.

Interest Rate

7.25%

p.a. onwards

₹

Processing Fee

₹10,000

+ GST

Max Tenure

30 Years

Max LTV

Up to 90%

✦Benefits with Butter Money✦

Zero Hidden Charges

Transparent pricing you can trust

Fast Approval

Quick approvals with less paperwork

Loan Assistance

Expert guidance at every step

Exciting Cashbacks

Save more with exclusive offers

About State Bank of India Home Loan

State Bank of India is a leading public sector bank known for broad home loan schemes, competitive pricing, long tenures, and extensive nationwide service, supporting eligible borrowers.

Home purchase financing

Construction finance

Balance transfer option

Renovation funding

Flexible repayment options

Up to 90% funding

State Bank of India Interest Rates 2026

Based on CIBIL Score & Applicant Type

CIBIL Score	Salaried	Self Employed
800–900	7.25%–8.95%	7.25%–9.20%
750–799	7.70%–8.95%	7.70%–9.20%
700–749	7.80%–9.05%	7.80%–9.30%
650–699	8.10%–8.15%	8.15%–8.20%

Fees & Charges

Charge TypeDetails

Processing Fee₹10,000 + GST

Legal & Valuation Fee₹3,000–₹5,000 (actuals)

Stamp Duty (MODT)0.6% (state-specific)

CERSAI Registration₹200–₹500

Compare Top Banks

BANKRATE

HDFC Bank7.15% onwards

Bajaj Housing Finance7.20% onwards

SBI7.25% onwards

ICICI Bank7.40% onwards

Popular State Bank of India Schemes

Find the right product for your needs

Scheme Name	Best Suited For	Interest Rate
SBI Home Loan	Home purchase or construction	7.25% onwards
SBI MaxGain	Home loan with overdraft flexibility	7.25% onwards
Balance Transfer	Existing home loan transfer	7.25% onwards
Top-Up Loan	Additional funding	8.25% onwards

Home Loan EMI Calculator

Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo.

Loan Amount

₹1,00,00,000

₹10,00,000₹10,00,00,000

Interest Rate

%7.25

6%20%

Loan Tenure

Yrs15

1 Yr30 Yrs

YOUR MONTHLY EMI

₹91,286

for 15 years at 7.25% p.a.

Principal amount

₹1,00,00,000

Total interest

₹64,31,532

Total amount payable₹1,64,31,532

Illustrative calculation based on the selected rate. The rate defaults to 7.25% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.