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State Bank of India
Loan Amount,Interest Rates @ EMI
Up to 30 Lakhs - 8.80% EMI @ 887 for 20 Years
Above 30 - 75 Lakhs - 9.00% EMI @ 900 for 20 Years
Above 75 Lakhs - 9.15% EMI @ 909 for 20 Years
Min 1 Year - Max 30 Years.
  • Option to avail home loan as Term Loan or Over Draft (OD)
  • Maxgain account to all loans to save interest on home loan
  • Least Processing fee Rs.11,800
  • Sanction and Disbursement in 10 Days
  • Loan to Plot to the maximum of 75% of Plot Cost
  • Maximum repayment period, up to 70 years of applicants age
  • Option of in principle sanction to check eligibility
  • Loan linked life insurance at competitive rates
Eligibility,Documents,Terms & Conditions

Eligibility Criteria:
  • Must be 21 years old
  • Monthly income must be 21000 Net
  • Maximum permissible age is 65 years
  • Either Resident/NRI/PIO
  • Salary must be through bank
  • For Business owners 3 years ITR's Mandatory
Documents Required Salaried:
  • ID Proof (Pan Card & Aadhar Card)
  • Address Proof
  • 3 Months payslips
  • 6 months bank statement
  • Form 16 & ITR 3 Years
  • Color Passport size photograph
Documents Required - Self Employed:        
  • ID Proof
  • Address Proof
  • Business Proof
  • 3 Years IT Returns
  • 1 Year Bank statement
  • Recent passport size color photograph
Frequently Asked Questions:

Q: What is Maxgain Account?
A: Maxgain account is an OD account which will be activated post submission all original documents to SBI by creating property security towards the loan account post registration.

Q. What are the features of Maxgain Account?
A. Maxgain account comes with a limit equal to the loan amount. Customer are allowed to deposit the surplus funds in the account to gain interest equal to home loan interest by not loosing access to the surplus.

Q. Who can be co-applicant?
A. Customers are allowed to avail home loan jointly with Mother, Father, Sister, Brother and Wife.

Q. What is the maximum loan that we can avail from SBI?
A. Customers can avail maximum 80% of the property cost as home loan for the purpose of purchase of property.

Q. Will i get Maxgain Account if i take plot loan?
A. No, Maxgain account is only for Home Loan customers. Plot loan will be given as a pure term loan.

Q.Will SBI ask for registered Mortgage or Simple Mortgage?
A. All loans above 30 lakhs in SBI are to be done with Registered MOD.

Q. Will SBI provide Loan Link Life Insurance premium amount as loan?
A. Yes, you can opt for loan linked life insurance and the premium amount can be clubbed to your home loan amount.

Knowing about the product will always make the home loan processing smooth to every customer. Before going for a home loan processing see which product suits you best.
See Products..
Home Loan Documents
To start with the home loan processing a customer need to submit the documents and this will vary depending on the product, bank and income source.
Download Documents....
Eligibility Calculators
One of the most important stages in home loan processing is the calculation of the applicants’ eligibility for the home loan. By taking one gross and net incomes into consideration.
Calculate Eligibility....
Application Tracking
Normally customers want to know their file status during the home loan process. But people face different types of situations where they wrongly...
Track Application....
Home Loan Agreement
Normally customers want It is the Agreement which a customer need to sign before going for disbursement of the loan which he requested to the bank to fund...
Read Facility Agreement....
Draft Agreements
To complete the legal and technical process over a property which the customer is buying by taking the home loan need to have a sale...
Download Draft Agreemets....
All loans at the sole discretion of the Bank / Financial Institution. is just a facilitator by using of which if any issues raises we are not responsible or liable for it.