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Bandhan Bank Home Loan vs Sbi Home Loans Home Loan Comparison | Ambak

The bandhan bank vs sbi home loan comparison: Bandhan Bank (6,300+ banking outlets, Private) offers Bandhan Suraksha and Suvidha Home Loans; SBI (22,000+ branches, 50+ crore customers, PSU) offers SBI Home Loan, Realty, Privilege and Shaurya. Differences lie in schemes, eligibility, digital experience and customer segments.
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Which banks saves you more?

bandhan bank vs sbi: Bandhan Bank offers Bandhan Suraksha and Suvidha Home Loans with Suraksha bundles property insurance and affordable-segment focus. SBI offers SBI Home Loan, Realty, Privilege and Shaurya with women-borrower concession. Related search: None. Choice depends on borrower profile, scheme fit and network reach.
Bandhan bank
Bandhan bank
Home Loan
Ambak Recommended
State Bank of India
State Bank of India
Home Loan
vs
Home loan comparison between Bandhan bank and State Bank of India
MetricBandhan bankState Bank of India
Interest Rate
8.4% – 13%
7.25% – 9.5%
Interest Rate
8.4% – 13%
7.25% – 9.5%
Processing Fee
Rs. 15,000 + GST
Rs.15,000 + GST
Processing Fee
Rs. 15,000 + GST
Rs.15,000 + GST
Max LTV
Up to 90%
Up to 90%
Max LTV
Up to 90%
Up to 90%
Max Loan Amount
₹2500000 Cr
₹3000000 Cr
Max Loan Amount
₹2500000 Cr
₹3000000 Cr
Min Loan Amount
₹5000 Cr
₹5000 Cr
Min Loan Amount
₹5000 Cr
₹5000 Cr
EMI per Lakh
₹862
₹791
EMI per Lakh
₹862
₹791

Why Choose Bandhan bank Home Loan

Bandhan Bank is a Private lender with 6,300+ banking outlets. Variants include Bandhan Suraksha and Suvidha Home Loans, designed for affordable, salaried and East India buyers. Key features include Suraksha bundles property insurance, affordable-segment focus and East India branch strength. Bandhan Bank suits borrowers looking for East India focus with affordable home loans.
  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

Why Choose State Bank of India Home Loan

SBI is a PSU lender with 22,000+ branches, 50+ crore customers. Variants include SBI Home Loan, Realty, Privilege and Shaurya, designed for salaried, women, defence and government employees. Key features include women-borrower concession, YONO digital onboarding and OD-linked SBI Maxgain. SBI suits borrowers looking for wide PSU network and scheme variety.
  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

EMI Calculate Bandhan bank vs State Bank of India

Home Loan EMI
1.0 Cr
₹5L₹5Cr
20 Years
030
Ambak Recommended
State Bank of India
State Bank of India
7.25%
EMI
₹ 79,038
Interest
₹ 89,69,120
Total
₹ 1,89,69,120
Your Total Savings
₹ 17,06,880
Bandhan bank
Bandhan bank
8.4%
EMI
₹ 86,150
Interest
₹ 89,69,120
Total
₹ 2,06,76,000

Bandhan bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •Loans available up to ₹25 Cr
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 8.4% is slightly higher than State Bank of India's 7.25%
  • •Monthly EMI of ₹862/lakh is ₹71 more than State Bank of India
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

State Bank of India Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.25% — that's cheaper than Bandhan bank's 8.4%
  • •You pay only ₹791/lakh per month — ₹71 less than Bandhan bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: Rs.15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

Compare Bandhan bank with other banks

Compare State Bank of India with other banks

Bandhan bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •Loans available up to ₹25 Cr
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 8.4% is slightly higher than State Bank of India's 7.25%
  • •Monthly EMI of ₹862/lakh is ₹71 more than State Bank of India
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

State Bank of India Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.25% — that's cheaper than Bandhan bank's 8.4%
  • •You pay only ₹791/lakh per month — ₹71 less than Bandhan bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: Rs.15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

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