Programs
SBI Schemes & Offers
Flagship retail home loan programs available through our DSA desk (indicative, subject to bank policy).
PMAY-U 2.0
Interest subsidy for first-time home buyers in selected LIG/EWS/MIG segments, subject to government guidelines.
Special rates for women borrowers
Concessional spread for sole or first women applicants on select retail home loan products.
Paperwork
Documents Required
Common documents every lender asks for, plus the bank-specific list from the 2026 DSA sheet.
SBI-specific requirements
- Latest 6 months bank statement (SBI account preferred)
- Salary slips for the last 3 months
- Form 16 or IT returns for the last 2 years
- Appointment letter / employment proof
Common documents (all banks)
- KYC: Aadhaar card + PAN card for all applicants and co-applicants
- Photographs: 2 passport-size photos per applicant
- Address proof: Aadhaar / passport / voter ID / utility bill
- Income proof (salaried): 3 months salary slips + Form 16 or 2 years IT returns
- Income proof (self-employed): 3 years IT returns with computation + balance sheet / P&L
- Bank statements: 6 months of savings account statements (primary account)
- Property papers: Sale agreement, chain of title, approved plan, commencement certificate
- Existing loan statements: Outstanding statements for any running EMIs (FOIR check)
Know before you apply
Eligibility with a DSA Estimate
The FOIR + LTV math banks run — applied to the current best partner rate.
Loan Eligibility Checker
FOIR 55% · LTV 90/80/75Run the EMI for this rate
Our EMI calculator applies the reducing-balance formula — plug in your loan amount at 7.25% p.a. to see the monthly outgo, total interest and amortization.
FAQ
SBI Home Loan FAQ
Indicative SBI home loan rates start at 7.25% to 8.55% p.a., varying with your CIBIL score, loan amount, tenure and whether you choose a fixed or floating rate. Women borrowers and select salary segments may get a concessional spread. Confirm the live rate for your profile with our loan specialist before applying.
SBI extends up to 90% loan-to-value (subject to RBI slabs: 90% up to ₹30 lakh, 80% for ₹30-75 lakh, 75% above ₹75 lakh) with tenure of up to 30 years. Your final LTV also depends on the bank's valuation of the property.
Start with the common set (KYC, photographs, address proof, income proof, 6-month bank statements, property papers) plus the SBI-specific requirements listed on this page. Our DSA desk reviews your file for gaps before submission, so re-work cycles are avoided.
0.35% + GST (indicative — SBI revises fees periodically and festive offers often waive them). Processing fees are one-time charges on the sanctioned amount and are refundable in some banks if the loan is rejected before sanction.
Click Apply on this page and share your name and phone number. As an authorized DSA partner we submit your file directly to SBI, negotiate the rate, and follow it through sanction and disbursement — at no cost to you.
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Apply for a SBI Home Loan
We file directly with SBI, negotiate your rate and follow the sanction to disbursement. Free — the bank pays the DSA commission.