Interest Rates of Home Loans w

From dd/mm/yyyy

To dd/mm/yyyy

SBAR

3/1/1994
1/18/1994
3/1/1995
5/1/1995
11/10/1995
10/1/1996
1/1/1997
4/1/1997
7/1/1997
11/1/1997
1/22/1998
4/2/1998
5/1/1998
7/1/1998
3/1/1999
2/1/2000

10/17/1994
2/28/1995
4/30/1995
11/9/1995
9/30/1996
12/31/1996
3/31/1997
6/30/1997
10/31/1997
1/21/1998
4/1/1998
4/30/1998
6/30/1998
2/28/1999
1/31/2000
5/10/2000

15.00%
14.00%
15.00%
15.50%
16.50%
15.50%
14.50%
14.00%
13.50%
13.00%
14.00%
13.50%
13.00%
13.00%
12.00%
12.00%

From

To

SBAR

5/11/2000
8/12/2000
2/19/2001
3/17/2001
4/1/2001
9/15/2001

8/11/2000
2/18/2001
3/16/2001
3/31/2001
9/14/2001
12/31/2001

11.50%
12.00%
12.00%
12.00%
12.00%
12.00%

1/1/2002

3/31/2002

12.00%

From
4/1/2002

To
6/30/2002

SBMTLR
11.50%

7/1/2002

8/15/2002

11.50%

8/16/2002

1/31/2003

11.25%

11/1/2002

1/31/2003

2/1/2003

5/4/2003

11.25%

5/5/2003

6/15/2003

11.00%

6/16/2003

9/30/2003

11.00%

10/1/2003

12/31/2003

11.00%

01-01-2004 PB/19A/1002 dt.

January 7, 2004

11/28/2004

SBAR
10.25%

From

To

SBAR

29-11-2004 -PB/HL/IR/
1092 dt. 27th
November 2004

2/28/2006

10.25%

From

To

SBAR

01-03-2006
PBBU/HL/IR/ 585 dt.
21st February 2006

4/30/2006

10.25%

From

To

01-05-2006
-No.PBBU/HL/IR/45
dt.29.4.2006

8/1/2006

02-08-2006 2/11/2007
PBBU/HL/IR/269 dt.2nd
August 2006

Floating

Fixed
Floating

Fixed

From

To

12-02-2007 No.PBBU/HL/IR/606
Date : 10th February,
2007

2/19/2007

Floating

Fixed

20-02-2007 No.PBBU/HL/IR/628
Date : 20th Feb. 2007

4/8/2007

Floating

09-04-2007 No.PBBU/HL/IR/13
Date : 9th April, 2007

2/16/2008

Fixed
Floating

Fixed

10/8/2007

17-2-2008 - Cir.
No.PBBU/HL/IR/44
Date : 14th February
2008

12/31/2007

26/6/2008

Up to 20 lac
above 20 lac
Floating
Up to 20 lac

above 20 lac
27-02-2008 SBAR
CHANGE

27-06-2008 No.PBBU/HL/IR/18
DT.27.6.2008

8/11/2008

upto Rs 30
lac
above 30 lac

12-08-2008 - Cir. No.

PBBU/HL/IR/22 Dated
13th August 2008

9/2/2008

upto Rs 30
lac
Above 30
Lacs

03-09-2008 - Cir. No.

PBBU/HL/IR/23 Dated
2nd September 2008

11/9/2008

upto Rs 30
lac
Rs 30 lac to
75 lacs
Above 75
lacs

10-11-2008 - Cir. No.

12/31/2008
PBBU/HL/IR/31 Dated 8th November 2008

upto Rs 30
lac

10-11-2008 - Cir. No.

PBBU/HL/IR/31 Dated 8th November 2008

01-01-2009 PBBU/HL/IR/ 42
DT.29th December
2008

Rs 30 lac to
75 lacs
Above 75
lacs

28/6/2009

upto Rs 30
Lacs
Rs 30 lac to
75 lacs
Above 75
lacs

Cir.No. PBBU/HL/AX/46
DT.31.01.2009 SBI
Happy-Home Loan
Offer & SBI Lifestyle
Loan w.e.f 2nd February
2009 to 30th April, 2009

Cir.No.
PBBU/HL/PM/02
DT.27.04.2009 Extension upto 30th
September 2009
6/29/2009

upto Rs 30
Lacs
Rs 30 lac to
75 lacs
Above 75
lacs

02-02-2009 6/30/2009
PBBU/HL/AX/46 DT.
31.01.2009 SBI Happy
Home Loan Offer

SBI Happy
Home Loan
Offer

01-07-2009 PBBU/HL/AX/04 DT.

23.06.2009 - Easy
Home Loan

SBI Easy
Home Loan Upto Rs.30
Lacs

9/30/2009

01-07-2009 - Cir.No.
9/30/2009
SBI
PBBU/HL/PM/05 Advantage
Date:23rd June, 2009
Home Loan - Advantage Home
Above Rs.30
Loan
Lacs
30.6.2009 Cir.No. PBBU/HL/PM/06 dt.23.06.2009 Spl HL Closed on 30th June 2009

29-6-2009 Cir. No.

8/7/2009
PBBU/HL/IR/08 dt 30th
June 2009

upto Rs 30
lac
Rs 30 to 75
lac
Above Rs 75
lac
Cir:PBBU/HL/PM/20 DT.26.11.2009 - CRE HOME LOAN INT. RATE = NORMAL RATE + 0.25% - ONLY TERM LOAN
08-08-2009 - SBI My
31/3/2010
SBAR
Home Campaign ( 8th
August 2009 to 7th
November 2009) -Cir.
No. PBBU/HL/PM/11 dt
05.08.2009 extnded by
SBI Easy upto 50 lacs 11.75%
Cir. No.
PBBU/HL/PM/17 dt.6th
November 2009 upto
31.03.2010
SBI Advantage above 11.75%
50 lacs

01-04-2010 Cir:PBBU/HL/PM/27
dated 28.03.2010

4/30/2010

SBAR

SBI Easy upto 50 lacs 11.75%

SBI Advantage above

50 lacs

01-05-2010 - Cir. No.

30/6/2010
PBBU/HL/PM/2 dt.29th
April 2010 - EASY,
ADVANTAGE HL

SBAR

SBI Easy upto 50 lacs 11.75%

SBI Advantage above

50 lacs

01-07-2010 Cir. No.

9/30/2010
PBBU/HL/PM/10
dt.30th June 2010 EASY, ADVANTAGE HL

BASE RATE

01-07-2010 Cir. No.

PBBU/HL/PM/10
dt.30th June 2010 EASY, ADVANTAGE HL
SBI Easy upto 50 lacs 7.50%

SBI Advantage above 7.50%

50 lacs
01-10-2010 - Maxgain 10/20/2010
BASE RATE
raised to Rs.1 Crore Cir.
No. PBBU/HL/PM/22
dt.27th September
2010
SBI Easy upto 50 lacs 7.50%

SBI Advantage above 7.50%

50 lacs
21-10-2010 - Cir. No.
PBBU/HL/PM/26 dt.
26th October 2010 Easy, Advantage

1/2/2011
7.60%
SBI Easy upto 50 lacs 7.60%

SBI Advantage above 7.60%

50 lacs
03-01-2011 - Cir.No.
PBBU/HL/PM/40 Dt.
01st January, 2011 Easy, Advantage,
Premium HL

13-02-2011 -SBI Easy 8.00%

upto 30 lacs
SBI Advantage above 8.00%
30 lacs upto 75 lacs

SBI Premium above

75 Lacs
Vanilla Home Loan on Upto Rs. 30.00 lacs
floating interest rate
(New Loans):

8.00%

Above Rs. 30.00 lacs

and upto Rs. 75.00
lacs
Above Rs. 75.00 lacs
14-02-2011 - Cir. No.
PBBU/HL/IR/48 dt. 12th
February 2011 - Easy,
Advantage, Premium
HL

01-04-2011 - Cir. No.

PBBU/HL/PM/55 dt.
31st March 2011 - Easy,
Advantage, Premium,
Premium Plus HL

31-03-2011 - SBI
Easy upto 30 lacs

8.25%

SBI Advantage above

30 lacs upto 75 lacs
SBI Premium above
75 Lacs
30-04-2011 - SBI
Easy upto 30 lacs

8.25%

01-04-2011 - Cir. No.

PBBU/HL/PM/55 dt.
31st March 2011 - Easy,
Advantage, Premium,
SBI Advantage above 8.25%
Premium Plus HL
30 lacs upto 75 lacs
SBI Premium above
75 Lacs to 5 crores

8.25%

SBI Premium plus

above 5 Crores

8.25%

End of Teaser Rate regime. No fixed Interest Rates Home Loan Sancti
01-05-2011 - Cir. No.
PBBU/HL/PM/3 dt.
20th April 2011

11-05-2011 -Upto Rs. 8.50%

30.00 lacs
Above Rs. 30.00 lacs 8.50%
and upto Rs. 75.00
lacs
Above Rs. 75.00 lacs 8.50%

12-05-2011 - Cir. No.

RE/HL/IR/10 dt.12th
May 2011

10-07-2011 - Upto Rs. 9.25%

30.00 lacs

Above Rs. 30.00 lacs 9.25%

and upto Rs. 75.00
lacs
Above Rs. 75.00 lacs 9.25%
11-07-2011 - Cir. No.
RE/HL/IR/27 dt. 11th
July 2011

12-08-2011 - Upto Rs. 9.50%

30.00 lacs

Above Rs. 30.00 lacs 9.50%

and upto Rs. 75.00
lacs
Above Rs. 75.00 lacs 9.50%
13-08-2011 - Cir. No.
RE/HL/IR/30 dt. 12th
August 2011

Upto Rs. 30.00 lacs

10.00%

Above Rs. 30.00 lacs 10.00%

and upto Rs. 75.00
lacs
Above Rs. 75.00 lacs 10.00%

21-04-2012 - Cir. No.

RE/HL/PM/5 dt. 21st
April 2012

Upto Rs. 30.00 lacs

10.00%

Above Rs. 30.00 lacs 10.00%

and upto Rs. 75.00
lacs
Above Rs. 75.00 lacs 10.00%

RE/HL/IR/21 dated Upto Rs 30 lacs

6th August 2012
Above rs 30 lacs

RE/HL/IR/26 dated Upto Rs 30 lacs

20th September
2012
Above rs 30 lacs

RE/HL/IR/47 dated Upto Rs 30 lacs

31/01/2013.(w.e.f.
04/02/2013)

10.00%
10.00%

9.75%

9.75%

9.70%

Above rs 30 lacs

9.70%

RE/HL/IR/22 dated Upto Rs 30 lacs

24th September,
2013 (w.e.f 1st
October, 2013) Above rs 30 lacs

9.80%

RE/HL/IR/25 Date: Upto Rs 30 lacs

6th November,
2013 (w.e.f. 7th
November, 2013) Above rs 30 lacs

10.00%

RE/HL/IR/29 Date: Upto Rs 75 lacs

19th December,
2013 (w.e.f. 20th
Above rs 75 lacs
Dec, 2013)

10.00%

9.80%

10.00%

10.00%

RE/HL/IR/17 dated
25/08/2014

RE/HL/IR/4 dated
9/04/2015

RE/HL/IR/5 dated
13/04/2015

Women

10.00%

Others

10.00%

Women

9.85%

Others

9.85%

Women

9.75%

Others

9.85%

NBG/PBU/HL-HOME
LOANS/12/20152016 dated
Women
08.06.2015
Others

NBG/RE,H&HDHL/19/2015 - 16 Women
dated 03.10.2015
Others

9.70%

9.70%
9.30%
9.30%

Interest Rates of Home Loans wef 01/03/1994 TO 05/10/2015

up to Rs 25000

> Rs25000 up to <Rs 2 lacs

12.50%
12.50%
12.50%
12.50%
12.50%
12.50%
12.50%
12.24%
12.24%
12.24%
12.24%
12.24%
12.24%
12.24%
12.24%
12.24%

14.50%
14.00%
14.00%
14.00%
14.00%
14.00%
14.00%
13.77%
13.77%
13.26%
13.77%
13.77%
13.26%
13.26%
12.24%
12.24%
Up to 5 years

Floating
Fixed above 10 years
Floating
Fixed above 10 years

11.50%
12.00%
12.00%
12.00%
12.00%
12.00%
12.00%
11.50%
12.00%

Floating
Fixed
Floating
Fixed
Floating
Fixed

Up to 5 years
10.50%
10.75%
10.00%
10.25%
9.75%
10.00%

Floating
Fixed
Floating

9.00%
9.25%
8.75%

Fixed
Floating
Fixed

9.00%
8.00%
8.25%

Floating
Fixed
Floating

7.75%
8.00%
7.50%

Fixed

8.00%
Up to 5 years

Floating

8.00%

Fixed

8.50%
Up to 5 years

Floating

8.50%

Fixed
SBAR

9.25%
Upto 5 years

10.75%

8.75%

11.00%

9.50%
9.00%

9.75%

SBAR

Upto 5 years

11.50%

9.50%

SBAR

11.50%
Upto 5 years

12.25%

10.25%

12.75%

10.75%

12.75%

upto 5 years
10.00%
10.25%

SBAR
12.50%

upto 5 years
10.00%

10.25%
12.25%

12.75%

10.50%
10.75%

13.75%

10.50%
11.75%

13.75%

10.50%
11.75%
11.75%

SBAR
13.00%

upto 5 years
9.75%

11.00%
11.00%

12.25%

9.75%
10.25%
10.25%

11.75%

9.25%
9.75%
9.75%

8% fixed for one year upto 30th April 2010 &

extened upto 30th sep 2009

Fixed reset period 5 years

Int. Rate First year 8% p.a. & Fixed Int Rate for next 4th year onwards 2% below SBAR
two years 9% p.a.

Fixed rate loan 1% below SBAR

Int. Rate First year 8% p.a. & Fixed Int Rate for next 4th year onwards 1.5% below SBAR
two years 9.5% p.a.

HL Closed on 30th June 2009

Fixed rate loan 0.5% below SBAR

11.75%

9.25%
9.75%
9.75%

OAN INT. RATE = NORMAL RATE + 0.25% - ONLY TERM LOAN

For first year
Next 2 years

8.00%

8.50%

8.00%

9.00%

For first year

Next 2 years

8.00%

9.00%

8.00%

9.00%

For first year

Next 2 years

8.00%

9.00%

8.00%

9.00%

For first year

Next 2 years

8%

9%

8%

9%

For first year

Next 2 years

8%

9%

8%

9%

8%

9%

8%

9%

8.50%

9.25%

8.50%

9.25%

1.75% above BR

1.75% above BR

1.50% above Base Rate

9.50% p.a.

1.75% above Base Rate

9.75% p.a.

1.75% above Base Rate

9.75% p.a.

8.75%

9.50%

8.75%

9.50%

1.75% above Base Rate

1.75% above Base Rate

8.75%

9.50%

8.75%

9.50%

1.75% above Base Rate

1.75% above Base Rate

2.00% above Base rate

2.00% above Base rate

End of Teaser Rate regime. No fixed Interest Rates Home Loan Sanctions.
1.00% above Base Rate

9.50% p.a.

1.25% above Base Rate

9.75% p.a.

1.75% above Base Rate

10.25% p.a.

1.00% above Base Rate

10.25% p.a.

1.25% above Base Rate

10.50% p.a.

1.75% above Base Rate

11.00% p.a.

1.00% above Base Rate

10.50% p.a.

1.25% above Base Rate

10.75% p.a.

1.75% above Base Rate

11.25% p.a.

0.75% above Base Rate

10.75% p.a.

1.00% above Base Rate

11.00% p.a.

1.25% above Base Rate

11.25% p.a.

0.75% above Base Rate

10.75% p.a.

1.00% above Base Rate

11.00% p.a.

1.25% above Base Rate

11.25% p.a.

0.25 % above Base Rate

10.25%
0.40% abobe Base rate

10.40%
0.25 % above Base Rate

10.00%
0.40% abobe Base rate

10.15%
0.25 % above Base Rate

9.95%
0.40% abobe Base rate

10.10%
0.30 % above Base Rate

10.10%
0.50% abobe Base rate

10.30%
0.30 % above Base Rate

10.30%
0.50% abobe Base rate

10.50%
For Women : 0.10 % above Base Rate; For Others For Women :10.10% ; For Others :
0.15% above Base Rate
10.15%
For Women : 0.25 % above Base Rate; For Others For Women :10.25% ; For Others :
0.30% above Base Rate
10.30%

10 bps above BR

10.10%

15 bps above BR

10.15%

10 bps above BR

9.95%

15 bps above BR

10.00%

at BR

9.85%

5 bps above BR

9.90%

at BR

9.70%

5 bps above BR

9.75%

20 bps above BR

9.50%

25 bps above BR

9.55%

10/2015
> Rs 2 lacs up to
Rs 3 lacs

>Rs 3 lacs up to Rs
5 lacs

>Rs 5 lacs
>Rs 10 lacs > Rs 15 lacs
up to 10 lacs up to 15 lacs

15.00%
15.00%
16.00%
16.50%
17.75%
16.50%
16.50%
16.32%
15.81%
15.30%
16.32%
15.81%
15.30%
14.28%
13.26%
13.26%

16.00%
16.00%
17.25%
17.75%
18.75%
17.75%
17.00%
16.57%
16.06%
15.55%
16.57%
16.06%
15.55%
14.28%
13.26%
13.26%

16.00%
16.00%
17.25%
17.75%
18.75%
17.75%
17.00%
16.57%
16.57%
16.06%
17.08%
16.57%
16.06%
15.30%
14.28%
13.77%

16.00%
16.00%
17.25%
17.75%
18.75%
17.75%
17.00%
16.57%
16.57%
16.06%
17.08%
16.57%
16.06%
15.30%
14.28%
14.28%

16.00%
16.00%
17.25%
17.75%
18.75%
17.75%
17.00%
16.57%
16.57%
16.06%
17.08%
16.57%
16.06%
15.30%
14.28%
14.79%

> 5 years up to 10 years

above 10 years

12.50%
13.00%
13.00%
12.50%
12.50%
12.00%
12.00%
11.50%
12.00%

12.75%
13.25%
13.25%
12.50%
12.50%
12.00%
12.50%
11.50%
12.50%

> 5 years up to 10 years

11.00%
11.25%
10.50%
10.75%
10.25%
10.50%

above 10 years
11.00%
11.50%
11.00%
11.25%
10.75%
11.00%

9.00%
9.25%
8.75%

9.50%
9.75%
9.25%

9.00%
8.75%
9.00%

9.50%
9.25%
9.50%

8.25%
8.50%
8.00%

8.50%
8.75%
8.25%

8.75%

9.00%

> 5 up to 15 years

above 15 years

8.50%

8.75%

9.00%

9.25%

> 5 up to 10 years

> 10 up to 15 years

8.75%

9.00%

9.50%
5 years to 10
years

10 years to 15 years 15 years to

20 years

9.25%

9.25%

9.75%

9.75%
9.50%

10.00%

10.00%

10.00%

5 years to 15
years
10.00%

15 years to 20 years
10.00%

11.50%
5 years to 20 years Upto 10 years

above 15
years
9.25%

10.75%

12.25%
11.25%

12.75%
5 yrs to 15 yrs
10.25%
10.50%

15 yrs to 20 yrs
10.50%
10.75%

Fixed
12.75%
12.75%

5 yrs to 15 yrs
10.25%

15 yrs to 20 yrs
10.50%

Fixed
12.75%

10.50%

10.75%

12.75%

10.75%

11.00%

12.75%

11.00%

11.25%

12.75%

10.75%

11.00%

12.75%

12.00%

12.25%

13.75%

10.75%

11.00%

12.00%

12.25%

12.00%

12.50%

5 yrs to 15 yrs
10.00%

15 yrs to 25 yrs
10.25%

12.00%

11.25%

11.50%

13.00%

11.25%

11.75%

13.00%

10.00%

10.25%

11.25%

10.50%

10.75%

12.25%

10.50%

11.00%

12.25%

9.50%

9.75%

10.75%

10.00%

10.25%

11.75%

10.00%

10.50%

11.75%

9.50%

9.75%

10.75%

10.00%

10.25%

11.75%

10.00%

10.50%

11.75%

4 th year onwards
(if opted for
Floating)

4 th year onwards (if

opted for Fixed)
reset period 5yrs

2.75% below SBAR 1.25 % below SBAR

with reset frequency
of 5 years
1.75% below SBAR 0.75% below SBAR
with reset frequency
of 5 years .

4 th year onwards
(if opted for
Floating)

4 th year onwards (if

opted for Fixed)

1.75% below
0.75% below SBAR,
SBAR, i.e. 10.00% with a reset
frequency of 5 years.

1.75% below
0.75% below SBAR,
SBAR, i.e. 10.00% with
a
reset
frequency
of
5
years .
4 th year onwards
(if opted for
Floating)

4 th year onwards (if

opted for Fixed)

2.50% below SBAR 0.75% below SBAR,

with a reset frequency
of 5 years.
2% below SBAR

0.75% below SBAR,

with a reset frequency
of 5 years .

4 th year onwards
(if opted for
Floating)

4 th year onwards (if

opted for Fixed)

1.75% above BR

3.50% above the

Base Rate reset freq
5 yrs

2.25% above BR

3.50% above the

Base Rate reset freq
5 yrs

4 th year onwards
(if opted for
Floating)

4 th year onwards (if

opted for Fixed)

1.75% above BR

3.50% above the

Base Rate reset freq
5 yrs

2.25% above BR

3.50% above the

Base Rate reset freq
5 yrs

1.75% above BR

3.50% above the

Base Rate reset freq
5 yrs

2.25% above BR

3.50% above the

Base Rate reset freq
5 yrs

1.50% above Base No Fixed Rate

Rate
1.75% above BR

No Fixed Rate

1.75% above BR

No Fixed Rate
10.50%

11.25%

1.50% above Base

Rate
1.75% above Base
Rate
1.75% above Base
Rate
1.50% above Base
Rate

1.75% above Base

Rate
1.75% above Base
Rate
2.00% above Base
rate

11% - Fixed for old

HL upto Rs.30 Lacs
11.75% fixed rate
for old HL loans
above Rs.30 Lacs

11.75% - Fixed for

old HL upto Rs.30
Lacs
12.50% fixed rate
for old HL loans
above Rs.30 Lacs

12.00% - Fixed for

old HL upto Rs.30
Lacs
12.75% fixed rate
for old HL loans
above Rs.30 Lacs

12.50% - Fixed for

old HL upto Rs.30
Lacs
13.25% fixed rate
for old HL loans
above Rs.30 Lacs

12.50% - Fixed for

old HL upto Rs.30
Lacs
13.25% fixed rate
for old HL loans
above Rs.30 Lacs

No fixed Rate
option

No fixed Rate
option

No fixed Rate
option

No fixed Rate
option

No fixed Rate
option

No fixed Rate
option

No fixed Rate
option

No fixed Rate
option

No fixed Rate
option

No fixed Rate
option

No fixed Rate
option

Current Rate of
Interest