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State Bank of India home loan interest rate

The advertised floor, the published ceiling, and what decides where you land between them.

The rate

Advertised ratePublished ceilingTermsProcessing fee
7.25%9.20%Repo-linked (EBLR)0.35%, min ₹2,000

Data as of 15 Aug 2026Source: Lender rate cards and published comparisons, August 2026Pending issuer verification

State Bank of India advertises from 7.25% and publishes a ceiling of 9.20% for this product — a spread of 1.95%. Where you land is set by your credit band, loan-to-value and income profile, not by negotiation.

How it compares

3rd cheapest of the 12 providers we track, 0.05% above Bank of Baroda at 7.20%.

All home loan rates →All State Bank of India home loan detail →

Terms change without notice. Confirm the current figures with State Bank of India before you act.