SBI PERSONAL SEGMENT LOAN – INTEREST RATES

SBI HOME LOANS (TERM LOANS): CREDIT SCORE (CIBIL) LINKED INTEREST RATES FROM 15.12.2022 EBR: 8.90
CREDIT RISK PREMIUM LOAN AMOUNT:
CREDIT SCORE (CIBIL) CONCESSION EFFECTIVE RATE Interest rates applicable to all loan limits irrespective of Salaried & Non-Salaried/
LINKED RATE
Professional/ Self-employed.
>=800 EBR + 00 bps 15 bps 8.75%*
750 – 799 EBR + 10 bps 25 bps 8.75%* *FLOOR RATE – 15 BPS LOWER THAN EBR – 8.75% applicable till 31.01.2023

700 – 749 EBR + 20 bps 20 bps 8.90%* OTHER CONDITIONS:

650 – 699 EBR + 30 bps 9.20%  05 bps concession available to women subject to minimum EBR, i.e.,
8.90%.(Included in festival concession - till 31.01.2023 )
550 – 649 EBR + 50 bps 9.40%  A premium of 10 bps will be added to the Card Rate for Loan up to ₹ 30
Lacs if LTV ratio is >80% & <=90%.
NTC/ NO CIBIL SCORE/ -1 EBR + 20 bps 9.10%
 Minimum threshold for CIBIL score is 550, below which NO LOAN will be
<550 Not eligible sanctioned.

Concession rates applicable for Regular Home loan including Flexipay, Non-salaried, Privilege/ Shaurya, Apon Ghar till 31.01.2023
HOME LOANS (MAXGAIN) – 40 bps over home term loan interest rate (>= ₹ 20 lacs & up to ₹ 3 crore)
Suraksha Loans - Same rate as applicable to underlying home loan account.
Flexipay, NRI, PMAY, Differential Offerings – As per Home Loan rates.
Tribal Plus Scheme An additional 10 bps will be added to the Final Rate
Home loan to Employees of Kerala
EBR+15 bps, ER:9.05%
Government scheme
Term Loan - An additional 20 bps premium will be added to applicable home loan (term loan) rate.
CRE Home Loan
Maxgain - An additional 50 bps premium will be added to applicable home loan (term loan) rate.
SBI Privilege and Shaurya Schemes/ Apon 5 bps concession over applicable home loan rates if Maintaining salary a/c with SBI under salary packages. (Subject to
Ghar Effective rate NOT below EBR, presently 8.90%).(Included in festival concession - till 31.01.2023 )
SBI REALTY LOANS
CREDIT SCORE CREDIT RISK PREMIUM CREDIT SCORE CREDIT RISK PREMIUM LINKED EFFECTIVE RATE
EFFECTIVE RATE
(CIBIL) LINKED RATE (CIBIL) RATE
>=800 EBR + 30 bps 9.20% 550 – 649 EBR + 70 bps 9.60%
750 – 799 EBR + 40 bps 9.30% NTC EBR + 50 bps 9.40%
700 - 749 EBR + 50 bps 9.40% <550 Not eligible
650 – 699 EBR + 60 bps 10.50%
EMD SCHEME
EMD SCHEME EBR + 380 bps ER: 12.70%
REVERSE MORTGAGE LOAN
For Public EBR + 240 bps ER: 11.30%
For SBI Staff Pensioners EBR + 140 bps ER: 10.30%
SBI HOME TOP UP LOANS
CREDIT RISK
EFFECTIVE
CREDIT SCORE (CIBIL) PREMIUM CONCESSION
RATE
LINKED RATE
Not below the underlying home loan rate.
>=800 EBR + 40 bps 15 bps 9.15% Minimum threshold for CIBIL score is 550, below which NO LOAN will be
sanctioned.
750 – 799 EBR + 50 bps 15 bps 9.25%
700 - 749 EBR + 60 bps 15 bps 9.35% OVERDRAFT:
650 – 699 EBR + 70 bps 9.60%  30 bps over applicable Top Up (Term loan) rate.
 Effective rate – 9.45 % to 10.20%.
550 – 649 EBR + 100 bps 9.90%
NTC/ NO CIBIL SCORE/ -1 EBR + 60 bps 9.50%
YONO INSTA HOME TOP UP LOAN (₹ 01 Lacs to ₹ 08 Lacs)
Overdraft: EBR + 50bps + Convenience fee 10 bps, ER: 9.50%

SMART HOME TOP UP LOAN (₹ 01 Lacs to ₹ 08 Lacs) Term Loan: EBR + 60 bps, ER: 9.50%
Overdraft: EBR + 100 bps, ER: 9.90%
PERSONAL LOAN AGAINST PROPERTY (P-LAP)
CREDIT RISK PREMIUM EFFECTIVE
CREDIT SCORE (CIBIL) CONCESSION
LINKED RATE RATE
>=800 EBR + 175 bps 30 bps 10.35%
LOAN AMOUNT/ BORROWER TYPE:
750 – 799 EBR + 185 bps 30 bps 10.45%
700 – 749 EBR + 195 bps 30 bps 10.55% Interest rates applicable to all Loan Limits irrespective of Salaried / Non-
650 – 699 EBR + 205 bps 10.95% Salaried and residential /commercial property etc.
550 – 649 EBR + 215 bps 11.05%
NTC/ NO CIBIL SCORE/ -1 EBR + 195 bps 10.85%
<550 Not eligible

Disclaimer: This is for reference purpose only. Please refer bank’s circular for extant instructions.
Join the Team – Springs!!! with code: d11m44t for updates, discussion and other help documents. For suggestion and feedback, contact: Mohanakrishnan S
9495101600
 SBI PERSONAL SEGMENT LOAN – INTEREST RATES
INTEREST RATES as on 15.12.2022
SBI New/NRI/Assured/ Loyalty Car loan (1 year MCLR: 8.30%)
CIC Score RSM Score (-1) * Loyalty Car loan -5
CV SCORE - >150
3 – 5 years Above 5 years
bps concession on
>=775 0.35 + 1 year MCLR 8.65 0.45 + 1 year MCLR 8.75 applicable card rate.
757-774 71 & above 0.45 + 1 year MCLR 8.75 0.55 + 1 year MCLR 8.85 * Employees of SBI
721-756 46-70 0.70 + 1 year MCLR 9.00 0.80 + 1 year MCLR 9.10 subsidiaries/ JVs – 25
700-720 0.95 + 1 year MCLR 9.25 1.05 + 1 year MCLR 9.35 bps concession till
31.03.2025 (Not less
650-699 1.05 + 1 year MCLR 9.35 1.15 + 1 year MCLR 9.45 than 1 year MCLR)
20 bps concession till 31.03.2023 for New/ NRI/ Assured/ Loyalty car loan; 20 bps concession for GREEN car loan

Certified Pre-Owned Car loans (1-year MCLR-8.30%) Two-Wheeler Loan Loyalty Certified Pre- Men Women
CIC Score ROI (12 to 36 m) ROI(36 to 60 m) Owned Car loan 10.55 10.50
CIC Score Tenor in months
>=757 11.05 11.55 SBI Superbike Loan 11.80% - 20.05%
36 48
721-756 12.05 12.55 SBI Easy Ride (SPA) * 11.65% - 14.15%
689-720 14.05 14.55 >741 17.55 17.80
SBI Easy Ride(Non SPA) 12.80% -14.30%
606-688 NA NA 731-740 18.05 18.30 *50 bps concession for platinum salary package &
-1 12.55 13.05 central public sector enterprises under ‘RATNA’status
700-730 19.05 19.30

XPRESS CREDIT & PRE-APPROVED XPRESS CREDIT ON YONO – PAXC w.e.f. 15.12.2022 – 2-year MCLR – 8.50%
RSM DSP/PMSP/I CGSP/SGSP/PSP Corp SP  All Govt/ Defense Salary Package, CIC Score >= 650, Others >=670
CIC Score (-1) CGSP /RSP/CPSEs (above gold)  Special interest concession of 50 bps each for – Loan >= ₹ 10 lacs, Platinum
Salary Package customers, CPSEs under ‘RATNA’ status subject to condition that
>=761 >=75 11.90 11.90 12.90
total concession shall not exceed 100 bps and Salary account linked to respective
735-760 66-74 11.90 12.40 13.40 employer code.
670-734 57-64 11.90 12.90 13.90  Xpress Flexi Scheme (Overdraft facility) – 0.25% bps higher than Xpress credit
scheme for Diamond Salary Package & Xpress Elite for Platinum Salary Package
650-669 41-56 12.40 13.40 NA

Xpress Elite – TL/ OD – 2-year MCLR – 8.50%

 Xpress Lite – 1% higher than Xpress Credit for all brackets
Other than o SBI Quick Personal Loan through CLP portal – 0.25% higher than Xpress credit scheme for all
SBI Salary Salary brackets (For customer not maintaining Salary account with SBI)
CIC Score Package A/c Package
>=791 10.90 11.15
735-790 11.40 11.65
650-734/
Nil Score 12.40 12.65
<650 No Loan
2 year MCLR – 8.50% 1 year MCLR & 6 months MCLR – 8.30%, 3 months MCLR – 8.00%
SBI Pension Loan * 11.05 Loan against Shares, MF & DAF (2.50% over 1 year MCLR) 10.80
Jai Jawan Pension Loan 11.05 Loan against SGB (2.00% over 1 year MCLR) 10.30
Pension Loan to CMPF Pensioners 11.05 Loan against NSC/KVP/RBI relief bond/ Surrender value of SBI
Pre-approved Pension Loans on YONO - PAPNL 11.05 Life/LIC/HDFC life/ ICICI life (2.50% over 1 year MCLR) 10.80
Xpress Credit Insta Top - Up 12.00 Loan against Banks time deposit/ NRE/NRO Fixed deposits 1% above TD interest
Insta Pension 11.05 Loan against FCNR(B) in foreign currency 1.50% above TD interest
Salary OD 14.20 Loan against FCNR(B) in INR (2.90% over 1 year MCLR) 11.20
Clean Overdraft 16.95 Gold loan (All variants – except #) (1.25% over 1 year MCLR) 9.55 (8.60% till 31.12.2022)
11.90 – a) 3 months bullet gold loan (0.65% over 3 months MCLR)# 8.55%
Pre-approved Personal Loan - PAPL 13.90 b) 6 months bullet gold loan (0.35% over 6 months MCLR)# 8.65%
*The treasury/ PSU pensioners to be charged a premium 12 months bullet & Realty Gold loan (0.50% over 1 year MCLR) 8.80 (8.60% till 31.12.2022)
of 0.50% without consents/ undertaking. DL for e-Commerce - Online EMI 16.00
DL for e-Commerce - POS EMI 16.00

Education loans Schemes - EBLR – 8.90%. (From 15.12.2022) SBI Scholar loan scheme – EBLR – 8.90% (From 15.12.2022)
Up to 7.5 lacs 10.90 With co borrower 8.35
SBI Student Loan # List AA
Above 7.5 lacs @ 10.90 Without co borrower 8.35
SBI Skill Loan 10.40
All IITs & IIMs 8.30
SBI Global Ed Vantage # @ 10.90 List A
Other institutes 8.80
SBI Takeover of Collateralised ETL # 10.90
All NITs 8.80
Up to 7.5 lacs 10.90 List B
Shaurya Education Loan # Above 7.5 10.90 (secured) Other institutes 9.30
lacs @ 11.50(unsecured)
All NITs 8.80
5.95 (girl child - 5.45) (not List C
Education loan for ward of staff # linked to EBR) Other institutes 9.80
# 0.50% interest concession for girl students Same interest as applicable
Part time courses
@0.50% interest concession for insurance policy in banks to full time course
favour(applicable for SBI Global Ed-Vantage Loans & SBI Student Loan (Special rates for select institutes for FY 2022-23 from 8.30 to 8.40%)
of above Rs. 7.5 Lakhs for public borrowers only)

Disclaimer: This is for reference purpose only. Please refer bank’s circular for extant instructions.
Join the Team – Springs!!! with code: d11m44t for updates, discussion and other help documents. For suggestion and feedback, contact: Mohanakrishnan S
9495101600