| SBI Pre-Approved Home Loan Highlights – 2025 | |
| Interest rates | 8.25% p.a. onwards |
| Loan amount | Based on customer’s credit profile |
| Repayment tenure | Up to 30 years (subject to maximum age of 70 years at the time of loan maturity) |
| Processing fee | Up to 0.35% of the loan amount (Rs 2,000- Rs 10,000) (50% off on processing fee) |
Note: Interest rates as of 4 April 2025.
Table of Contents
SBI Pre Approved Home Loan Interest Rates
State Bank of India (SBI) has not set any separate interest rates for its Pre-Approved Home Loans. Thus, the interest rates for SBI Pre Approved Home loan starts from 8.25% p.a.
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Compare Home Loan Interest Rates of Top Banks & HFCs
| Name of Lender | Loans Up to Rs. 30 Lakh | Loans Above Rs. 30 Lakh to Rs. 75 Lakh | Loans Above Rs. 75 Lakh | |
| SBI | 8.00%-9.15% p.a. | 8.00%-9.15% p.a. | 8.00%-9.15% p.a. | Check Eligibility |
| HDFC Bank Limited | 8.70% p.a. onwards | 8.70% p.a. onwards | 8.70% p.a. onwards | Check Eligibility |
| Bajaj Housing Finance | 8.25%-17.00% | 8.25%-17.00% | 8.25%-17.00% | Check Eligibility |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| Axis Bank | 8.75%-12.80% p.a. | 8.75%-12.80% p.a. | 8.75%-9.65% p.a. | Check Eligibility |
| Federal Bank | 8.80% p.a. onwards | 8.80% p.a. onwards | 8.80% p.a. onwards | Check Eligibility |
| Punjab National Bank | 8.05% - 9.85% p.a. | 8.00% - 9.75% p.a. | 8.00% - 9.75% p.a. | Check Eligibility |
| Kotak Mahindra Bank | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Check Eligibility |
| Bank of Baroda | 8.40% - 10.40% p.a. | 8.40% - 10.40% p.a. | 8.40% - 10.65% p.a. | Check Eligibility |
| Canara Bank | 8.00% – 10.75% p.a. | 7.95% – 10.75% p.a. | 7.90% – 10.65% p.a. | Check Eligibility |
| IDFC FIRST Bank | 8.85% p.a. onwards | 8.85% p.a. onwards | 8.85% p.a. onwards | Check Eligibility |
| IDBI Bank | 8.40% p.a. onwards | 8.40% p.a. onwards | 8.40% p.a. onwards | Check Eligibility |
| Punjab & Sind Bank | 8.30% – 11.50% p.a. | 8.30% – 11.50% p.a. | 8.30% – 11.50% p.a. | Check Eligibility |
| RBL Bank | 9.00% p.a. onwards | 9.00% p.a. onwards | 9.00% p.a. onwards | Check Eligibility |
| LIC Housing Finance | 8.25% p.a. onwards | 8.25% p.a. onwards | 8.25% p.a. onwards | Check Eligibility |
| Tata Capital Housing Finance | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| PNB Housing Finance | 8.50% - 14.50% p.a. | 8.50% - 14.50% p.a. | 8.50%-11.45% p.a. | Check Eligibility |
| Sammaan Capital (Formerly known as Indiabulls Housing Finance) | 8.75% onwards | 8.75% onwards | 8.75% onwards | Check Eligibility |
| Aditya Birla Capital | 8.60% onwards | 8.60% onwards | 8.60% onwards | Check Eligibility |
| India Shelter Home Loan | 11.59% onwards | 11.59% onwards | 11.59% onwards | Check Eligibility |
| L&T Finance Limited | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Check Eligibility |
| Godrej Housing Finance | 8.55% onwards | 8.55% onwards | 8.55% onwards | Check Eligibility |
| Home First Finance | 11.90% onwards | 11.90% onwards | 11.90% onwards | Check Eligibility |
| Easy Home Finance | 8.95% onwards | 8.95% onwards | 8.95% onwards | Check Eligibility |
| Piramal Capital Housing Finance | 9.50% onwards | 9.50% onwards | 9.50% onwards | Check Eligibility |
| Cholamandalam Investment and Finance | 10.50% onwards | 10.50% onwards | 10.50% onwards | Check Eligibility |
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SBI Pre-Approved Home Loan Processing Fees
The processing fees for SBI Pre-Approved Home Loan is mentioned below:
| Particulars | Rates |
| Processing fees | 0.35% of loan amount (Rs 2,000 – Rs10,000) + GST (50% off on processing fee) |
SBI Pre-Approved Home Loan Eligibility Criteria
The eligibility criteria for availing SBI Pre-Approved Home Loans are as follows:
- Resident Type: Resident Indians are eligible for availing this SBI home loan facility
- Minimum Age: 18 years
- Maximum Age: 70 years
Check your Home Loan Eligibility with Other Banks/HFCs Click Here
SBI Pre Approved Home Loan Documents Required
The documents required for availing SBI Pre-Approved Home Loans are as follows:
List of Common Documents Applicable to all Applicants:
- Employer Identity Card
- Completed loan application form duly filled in and affixed with 3 Passport size photographs
- Proof of Identity (Any one): PAN/ Passport/ Driver’s License/ Voter ID card
- Proof of Residence/ Address (Any one): Recent copy of Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill or copy of Passport/ Driving License/ Aadhar Card
Account Statement:
- Last 6 months Bank Account Statements for all Bank Accounts held by the applicant/s
- If any previous loan from other Banks/Lenders, then Loan A/C statement for last 1 year
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Income Proof for Salaried Applicant/Co-borrowers/Guarantor:
- Salary Slips or Salary Certificates of last 3 months
- Copy of Form 16 for last 2 years or copy of IT Returns for last 2 financial years, acknowledged by IT Dept.
Income Proof for Non-salaried Co-applicant/ Guarantor:
- Business address proof
- IT returns for last 3 years
- Balance Sheet & Profit & loss A/c for last 3 years
- Business License Details(or equivalent)
- TDS Certificate (Form 16A, if applicable)
- Certificate of qualification (for C.A./ Doctor and other professionals)