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Lower interest rates than your pre-approved offer?

It's more likely than you think. Find the best offer for you by comparing.

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SBI Home Loans
  • Loan Interest Rate
    7.25% – 9.5% p.a.
    Loan Interest Rate
  • Loan Amount of Property value
    Up to 90%
    Loan Amount of Property value
  • Processing Fees
    Rs.15,000 + GST
    Processing Fees
  • Prepayment / Foreclosure Charges
    NIL
    Prepayment / Foreclosure Charges

SBI Home Loans

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Updated on 1 Apr 2026Written by Ramandeep Sadana,Credit Expert with over 10 years of experience

Ambak Benefits

zero hidden charges
Zero Hidden Charges
hassle free and fast approval process
Hassle Free and Fast Approval Process
personalized loan assistance
Personalized Loan Assistance
exciting cashbacks
Exciting Cashbacks

SBI Home Loan Balance Transfer EMI Calculator

Your EMI is going to be
₹43,075
%
Years

Principal Amount

₹50,00,000

Interest Amount

₹53,38,053

Total Amount Paid

₹1,03,38,053

Frequently Asked Questions About SBI

Here are answers to some of the most commonly asked questions about SBI Home Loans — from current interest rates and EMI calculations to eligibility, timelines, and more.

Q. What is SBI home loan interest rate?

Written by Ramandeep Sadana, Experienced Home Loan Advisor from last 10+ years

Ans: 
The SBI Home Loan interest in India, is 7.35 in 2025, as per the average interest rate reported by RBI. The interest rates can vary at the discretion of SBI and can vary as per the user profile and property. 
Q. Are SBI Home Loans interest rate fixed or floating?
Ans: 
The SBI Home Loans interest rate are floating and changes as per the movement in RBI Repo Rate declared by the Central Bank time to time. 
Q. What are pre-payment or foreclosure charges in SBI home Loan?
Ans: 
SBI Home Loan doesn't levy in pre-closure charges irrespective of the tenure specially for individuals. 
Q. How can I check eligibility criteria of SBI Home Loans?
Ans: 
The eligibility criteria for home loan can be checked at SBI website which will be aligned with below mentioned criteria: Resident Type: Resident Indian Minimum Age: 18 years Maximum Age: 70 years Loan Tenure: up to 30 years.
Q. How long will it take to get the loan disbursed from SBI?
Ans: 
Aspect Details
Typical Disbursement Time 3 to 10 days after submission of all required documents and completion of formalities.
Factors Affecting Timeline - Complexity of the loan application- Property verification process- Financial profile of the applicant
Steps to Expedite Process - Ensure complete and accurate documentation- Respond promptly to bank queries- Maintain clear communication with the loan officer
Additional Notes Timeline may vary depending on the specifics of the loan and applicant. Regular follow-ups with SBI are recommended.

Related News

SBI Home Loan Eligibility Based on Salary
5 Jun-2026
SBI Home Loan Eligibility Based on Salary
SBI Home Loan Interest Rates for Women in 2026: Benefits, Eligibility & Lower EMI Advantages
8 May-2026
Q. How is SBI Home Loan EMI Calculated?
Ans: 
Component Details
Formula EMI = P×r×(1+r)n / (1+r)n−1
Components Explained P = Principal loan amountr = Monthly interest rate = (Annual interest rate ÷ 12 ÷ 100)n = Loan tenure in months
Example Inputs Principal (P): ₹50,00,000Annual Interest Rate: 8.50%Loan Tenure: 20 years
Converted Inputs Monthly Interest Rate (r): 8.50% ÷ 12 = 0.007083 (decimal)Loan Tenure in Months (n): 20 × 12 = 240 months
Example EMI EMI = ₹43,391.43

 

Amortization Schedule (First 12 Months):

Month Principal (₹) Interest (₹) EMI (₹) Outstanding Balance (₹)
1 7,108.57 36,282.86 43,391.43 49,92,891.43
2 7,159.12 36,232.31 43,391.43 49,85,732.31
3 7,209.89 36,181.54 43,391.43 49,78,522.42
4 7,260.88 36,130.55 43,391.43 49,71,261.54
5 7,312.09 36,079.34 43,391.43 49,63,949.45
6 7,363.52 36,027.91 43,391.43 49,56,585.93
7 7,415.17 35,976.26 43,391.43 49,49,170.76
8 7,467.04 35,924.39 43,391.43 49,41,703.72
9 7,519.13 35,872.30 43,391.43 49,34,184.59
10 7,571.45 35,820.98 43,391.43 49,26,613.14
11 7,624.00 35,769.43 43,391.43 49,18,989.14
12 7,676.76 35,717.67 43,391.43 49,11,312.38
SBI Home Loan Interest Rates for Women in 2026: Benefits, Eligibility & Lower EMI Advantages
SBI Home Loan Interest Rates for Government Employees in 2026
8 May-2026
SBI Home Loan Interest Rates for Government Employees in 2026
What Is the Moratorium Period in SBI Home Loans?
8 May-2026
What Is the Moratorium Period in SBI Home Loans?
Home Loans for Senior Citizens in SBI
26 May-2025
Home Loans for Senior Citizens in SBI

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