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SBI Home Loan Interest Rates
SBI Home Loan Floating Interest Rates (October 2025)
CIBIL Score External Benchmark Rate (EBR) Spread Effective Interest Rate
≥ 8008.15%+0.50%8.65%
750 – 7998.15%+0.60%8.75%
700 – 7498.15%+0.70%8.85%
650 – 6998.15%+0.80%8.95%
0 – 6498.15%+1.00%9.15%
No CIBIL Score8.15%+0.70%8.85%

Note: SBI offers only floating interest rates linked to EBR for home loans; fixed-rate home loans are not available.

Women borrowers receive a 0.05% concession (minimum EBR 6.65%). Loans up to ₹30 lakh with 80–90% LTV attract a 0.10% premium.

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