| Monthly Salary | SBI 8.35% / 20yr | SBI 8.35% / 30yr | Max EMI (50%) |
|---|---|---|---|
| ₹25,000 | ₹15.2L | ₹17.3L | ₹12,500 |
| ₹30,000 | ₹18.2L | ₹20.7L | ₹15,000 |
| ₹35,000 | ₹21.2L | ₹24.2L | ₹17,500 |
| ₹40,000 | ₹24.3L | ₹27.6L | ₹20,000 |
| ₹50,000 ⭐ | ₹30.4L | ₹34.6L | ₹25,000 |
| ₹75,000 | ₹45.6L | ₹51.9L | ₹37,500 |
| ₹1,00,000 | ₹60.8L | ₹69.2L | ₹50,000 |
SBI is a major home-loan lender. This page uses an 8.35% April 2026 rate snapshot for illustration. Actual rates, eligibility, sanction amounts and approval outcomes depend on SBI's current policy and the borrower's profile. Compare lenders using the same loan amount, tenure, rate type and fees.
Eligibility policies and EMI-to-income limits vary by lender and borrower. At an unchanged loan amount, a lower assumed interest rate produces a lower modeled EMI. For example, using 8.35% rather than 8.50% changes the EMI on ₹30L over 20 years from roughly ₹26,068 to ₹25,892. Actual eligibility remains subject to lender assessment.
Fees, prepayment rules and credit-score requirements should be checked against the current SBI schedule and sanction terms. They can vary by loan product and borrower profile.
SBI launched digital home loan processing through YONO app. Eligible customers may have access to digital processing through YONO. Final approval, pricing, documentation and disbursement remain subject to SBI's current process and borrower profile.