SBI home loan rates start at 8.25% p.a. in 2026. See rate slabs by CIBIL score, EMI examples for ₹20–50 lakh, eligibility criteria, and how to apply.
Rates are indicative. Interest rates mentioned may have changed since publication. Always verify current rates at your bank's official website before applying.
Last updated: April 2026
State Bank of India is India's largest home loan lender — and for good reason. SBI offers some of the most competitive floating rates, zero prepayment charges, and a network that reaches every corner of the country. In 2026, SBI home loan rates start at 8.25% p.a. for top-tier borrowers. Here is everything you need to know about the current SBI home loan rates, how they vary by your credit profile, and the exact EMI you would pay.
SBI home loan rates are linked to the Repo Linked Lending Rate (RLLR) and vary by your CIBIL score, employment type, and loan amount. The table below shows the current effective rates for salaried borrowers in April 2026.
| CIBIL Score | Salaried Rate (p.a.) | Self-Employed Rate (p.a.) |
|---|---|---|
| 800 and above | 8.25% | 8.35% |
| 750–799 | 8.35% | 8.45% |
| 700–749 | 8.55% | 8.65% |
| Below 700 | Application may be rejected or at higher rates — contact branch | |
Rates are indicative and may change with RBI repo rate revisions. Women borrowers get an additional 0.05% concession. Updated April 2026 — verify with SBI before applying.
| Bank | Starting Rate (p.a.) | Benchmark | Max Tenure |
|---|---|---|---|
| HDFC Bank | 8.15% | Internal | 30 years |
| SBI ★ | 8.25% | RLLR (Repo-linked) | 30 years |
| Axis Bank | 8.35% | Internal | 30 years |
| Bank of Baroda | 8.40% | RLLR | 30 years |
| ICICI Bank | 8.50% | Internal | 30 years |
Updated April 2026. Rates are indicative for salaried borrowers with CIBIL 750+.
The table below shows the monthly EMI for common loan amounts at SBI's starting rate of 8.25% p.a. across popular tenures.
| Loan Amount | 15 Years | 20 Years | 30 Years |
|---|---|---|---|
| ₹20 Lakh | ₹19,406 | ₹17,175 | ₹15,162 |
| ₹30 Lakh | ₹29,103 | ₹25,563 | ₹22,743 |
| ₹40 Lakh | ₹38,804 | ₹34,083 | ₹30,324 |
| ₹50 Lakh | ₹48,505 | ₹42,604 | ₹37,905 |
| ₹75 Lakh | ₹72,757 | ₹63,906 | ₹56,857 |
At 8.25% p.a. for SBI CIBIL 800+ borrowers. Verify your personalised rate at the SBI website.
SBI applies a Fixed Obligation to Income Ratio (FOIR) of up to 50% for salaried borrowers and 40% for self-employed. This means your total monthly EMIs (including the new SBI home loan) should not exceed these percentages of your net monthly income. Adding a co-applicant increases the combined income used for FOIR calculation.
SBI follows RBI mandated LTV limits: up to 90% for loans up to ₹30 lakh, up to 80% for ₹30–75 lakh, and up to 75% for loans above ₹75 lakh. This determines the minimum down payment you must arrange.
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