SBI Home Loan is one of the most trusted and widely chosen housing finance solutions in India. In 2025, SBI continues to provide affordable interest rates, longer repayment tenure, and multiple schemes catering to salaried employees, NRIs, defence personnel, women borrowers, and government employees. This guide covers everything about SBI Home Loan 2025 including interest rates, eligibility, documentation, benefits, and an easy-to-use EMI Calculator.
In 2025, SBI offers home loans at 8.40% p.a. onwards depending on the applicant’s credit score, income, and repayment capacity. Special concessions are provided for women borrowers and defence employees.
✔ Interest: 8.40% p.a. onwards
✔ Tenure: Up to 30 years
✔ Eligibility: Salaried & Self-employed
✔ For NRIs to buy property in India
✔ Flexible EMI options
✔ Higher loan amount approval
✔ Designed for young professionals
✔ Low initial EMIs
✔ Higher loan eligibility
✔ Special scheme for Defence & Armed forces
✔ Lower interest rates
✔ Extended repayment period
✔ For Central & State Government Employees
✔ Concessional rates
✔ Flexible repayment
✔ For buying land & constructing later
✔ Loan amount: Up to ₹15 Crores
✔ 10 years repayment tenure
✔ Transfer your existing home loan to SBI
✔ Lower EMIs
✔ Quick approval process
✔ Extra funds for renovation/education
✔ Low interest rate compared to personal loans
✔ Easy documentation
✔ Linked with Pradhan Mantri Awas Yojana
✔ Subsidy up to ₹2.67 lakh
✔ For low-income households
✔ Comes with loan insurance
✔ Financial security for family
✔ Tax benefits available
This website is for informational purposes only. We do not provide loans, financial guarantees, or personalized financial advice. All loan schemes, interest rates, and eligibility criteria are subject to change as per SBI policies and RBI regulations. Users are advised to verify details directly with the official SBI website or authorized branch before making any financial decision.