SBI
SBI Regular Home Loan
Data Verified
Last checked: 25 Feb 2026Best for first-time home buyers who value transparency and a trusted legacy brand.
India's most trusted home loan product with lowest interest rates, zero hidden charges, and wide network of branches for doorstep service.
Trusted BrandOverdraft FacilityNo Hidden ChargesDaily Reducing BalanceConcession for Women
Interest Rate
7.25%
Starts From p.a.
Max Tenure
30 Yrs
360 Months
Loan Amount
by
Determined by repayment capacity
Expert Verdict
"SBI remains the gold standard for home loans in India. Their "Daily Reducing Balance" method ensures you pay minimum interest over the long term. Concessions for women borrowers and the MaxGain (overdraft) facility are standout features. Verdict: You can never go wrong with SBI for long-term home finance."
Key Privileges
EligibilityAge 18-70, Resident Indian, Stable Income
Processing Fee0.35% of loan amount, Min ₹2,000 + GST
PrepaymentNil
Lock-inNone
DocumentationPAN, Aadhaar, 6 months bank statement, 3 months salary slips, Tax returns
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. FinanceMacha may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700+
- Min. Income₹15,000 per month
- EmploymentSalaried/Self