🏠 SBI Home Loan Interest Rate 2025 – Complete Guide for Buyers
State Bank of India (SBI), India’s largest public sector bank, continues to be one of the most trusted lenders for home loans. With its customer-friendly schemes, competitive interest rates, and flexible repayment terms, SBI is often the first choice for millions of homebuyers across the country.
In this blog, we’ll break down everything you need to know about SBI home loan interest rates, eligibility, documents required, and how to apply in 2025.
🔍 Current SBI Home Loan Interest Rates – April 2025
As of April 2025, SBI offers home loan interest rates starting from 8.40% per annum. However, the final interest rate depends on various factors like:
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Applicant's credit score (CIBIL)
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Type of home loan (regular, NRI, MaxGain, etc.)
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Loan amount
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Employment type (salaried or self-employed)
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Women borrowers get additional concessions of up to 0.05%
SBI Home Loan Interest Rate Slabs:
| CIBIL Score Range | Interest Rate (p.a.) | Type |
|---|---|---|
| 750 & above | 8.40% – 8.60% | Salaried / Women |
| 700 – 749 | 8.70% – 8.90% | Salaried |
| Below 700 | Case-by-case basis | Subject to approval |