In SBI Latest Home Loan Interest Rate a big win for home loan borrowers, the State Bank of India (SBI) has officially reduced its home loan interest rate to 7.50% per annum, down from its previous rate of 8.15%. This new rate, effective from June 2025, is part of a broader industry-wide rate adjustment following the RBI’s latest repo rate cut.
Whether you’re a first-time homebuyer, planning to transfer your existing loan, or simply exploring better options, SBI’s new rate makes it a great time to act.
📉 SBI Latest Home Loan Interest Rate Interest Rate Drop – Snapshot
| Period | Interest Rate (%) |
|---|---|
| March–May 2025 | 8.15% |
| June 2025 Onward | 7.50% |
A 0.65% reduction translates to major savings. For example, on a ₹50 lakh loan over 20 years, you could save more than ₹4.1 lakh in total interest.
✅ Key Highlights of SBI Latest Home Loan Interest Rate 2025
💰 New Interest Rate: Starts at 7.50% p.a (Repo Linked Lending Rate)
👩 Women Borrower Concession: Additional 0.05% discount
⏳ Repayment Tenure: Up to 30 years
💳 No Prepayment or Foreclosure Charges for floating rate loans
📲 Digital Application Support through YONO SBI App
🏡 Loan-to-Value (LTV):
Up to 90% for loans below ₹30 lakh
Up to 80% for ₹30–75 lakh
Up to 75% for loans above ₹75 lakh
👥 Who Should Consider SBI Latest Home Loan Interest Rate Now?
🏘️ First-time buyers seeking affordable EMI options
🔁 Balance Transfer Customers tired of high-interest EMIs
👩 Women borrowers who can benefit from interest rate concessions
👪 Families upgrading to a bigger home
👴 Senior citizens needing longer tenures and flexible repayment
📊 EMI Comparison Table
Here’s a quick look at EMI savings for a ₹40 lakh loan over 20 years:
| Interest Rate | Monthly EMI | Total Interest Payable |
| 8.15% | ₹33,912 | ₹41.4 Lakh |
| 7.50% | ₹32,279 | ₹37.4 Lakh |
| Savings | ₹1,633 | ₹4.0 Lakh+ |
Use the EMI Calculator to find exact numbers for your loan amount.
🌟 Why SBI Latest Home Loan Interest Rate Is a Great Choice in 2025
India’s Most Trusted Bank: Government-owned with wide branch network
Women & Youth Discounts: Up to 0.05% off for eligible borrowers
Transparency: No hidden charges or prepayment penalties
Digital Ease: Apply via YONO App or partner platforms like Mortbuzz
Flexible EMIs: Long tenures, step-up EMIs, and interest-only payments for early years
📍 Get It Done Easily with Mortbuzz – Serving Hadapsar, Pune
Apply for an SBI Home Loan without visiting the bank. Mortbuzz offers:
📑 Instant eligibility check
🚪 Free doorstep document pickup
📲 Online processing with real-time updates
💼 Comparison with other PSU banks like BoB, Canara, BoM, etc.
📞 Final Words: Apply Now & Save More
With the rate now at 7.50%, SBI home loans are an excellent option in 2025. Whether you’re a salaried applicant or self-employed, the blend of low rates, concessions, and transparent service makes it worth your attention.
Let Mortbuzz help you navigate your home loan journey with zero hassle.
📲 Contact Mortbuzz
📍 Office: Hadapsar, Pune
📞 Call/WhatsApp: 1800 210 4422
🌐 Website: www.mortbuzz.in
📩 Email: contact@mortbuzz.in
