Terms of the offer
According to data from the aggregator BankBazaar (updated 4 November 2025), home-loan interest rates start from 7.50% p.a. at SBI and from 8.35% p.a. onwards at Axis Bank. On the SBI front, other sources say that SBI’s revised rate band for regular home loans goes up to 8.70% p.a. from a lower edge unchanged, effective August 2025. The State Bank of India (SBI) has announced a key revision in its benchmark lending rates effective June 15, 2025. These changes are set to benefit borrowers, especially those with floating-rate loans like home loans. Here's a detailed look at the latest SBI loan interest rates, including home loan slabs based on credit scores. SBI lending rate in June 2025 SBI home loan interest rate varies from 8% to 8.95% based on the CIBIL score of the loan borrower. SBI Home loan Maxgain OD interest rate varies between 8.25% and 9.15%. For a top up loan, the interest rate varies between 8.30% and 10.80%. These rates are effective from April 15, 2025. SBI home loan interest rates State Bank of India offers home loans at interest rates starting from 7.50% p.a. onwards for tenures up to 30 years and for loan amounts up to 90% of property’s cost. The lender also offers various special home loan schemes for defence personnel, non-salaried individuals, government employees and individuals living in hilly/tribal areas. Some of the other benefits that come with SBI Home Loans include home loan overdraft facility, balance transfer facility, top-up facility, etc.
