State Bank of India loan rates 2026.
Reviewed by Jay Patel· Last reviewed:
India's largest public sector bank with over 22,000 branches. SBI offers some of the lowest home loan rates in the country, backed by the Government of India.
SBI Loan Products & Interest Rates
Published State Bank of India loan products and rate information. Snapshot updated April 2026; confirm current terms with the lender.
SBI Home Loan
Purchase a home with indicative lender rates and terms.
SBI Business Loan
Fuel your business growth with unsecured and secured business loans.
SBI Loan Against Property
Borrow against your property at lower rates than unsecured credit.
SBI Balance Transfer
Assess whether switching your existing loan could reduce interest costs.
SBI Loan Rates at a Glance
Quick comparison across all loan products.
| Loan Product | Rate (p.a.) | Max Amount |
|---|---|---|
| Home Loan | 8.25% – 9.15% | Rs 10 Cr |
| Business Loan | 10.25% – 14.5% | Rs 5 Cr |
| Loan Against Property | 8.75% – 10.5% | Rs 7.5 Cr |
| Balance Transfer | 8.25% – 9% | Rs 10 Cr |
Rates as of April 2026. Subject to change based on RBI policy and bank revisions.
How to Compare SBI Loan Options
Use the published rate data as a starting point, then confirm the lender's current terms and eligibility.
Published Rate Snapshot
Review SBI's listed rate ranges, fees, and product features before requesting a lender-specific quote.
Check Charges
Processing, advisory, valuation, and other charges can vary. Check the lender's disclosures and any separate service terms.
Lender-Controlled Decision
The lender assesses documents, approves or declines the application, sets the final terms, and controls disbursal timing.
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