SBI home-loan card: 8.60% for CIBIL 750+ as of 13 September 2026
Aggregator tables updated 13 September 2026 list SBI's term-loan / MaxGain home-loan rate at 8.60% for borrowers with CIBIL ≥ 750, stepping to 8.70% (700–749) and 9.45% (650–699).
- Aggregator tables updated 13 September 2026 list SBI's term-loan / MaxGain home-loan rate at 8.60 per cent for borrowers with CIBIL of 750 or above, stepping to 8.70 per cent (700–749) and 9.45 per cent (650–699).
- These are published card rates, not a sanctioned offer.
- A 25 bps difference on a ₹75 lakh, 20-year loan is several thousand rupees a month.
The published card
Aggregator tables updated 13 September 2026 list SBI's term-loan / MaxGain home-loan rate at 8.60 per cent for borrowers with CIBIL of 750 or above, stepping to 8.70 per cent (700–749) and 9.45 per cent (650–699). Selected products carry 5–20 bps concessions (MaxGain, defence).
Card rate vs sanction
These are published card rates, not a sanctioned offer. Confirm on homeloans.sbi before you budget an EMI. They sit above the 5.25 per cent repo because bank spreads and the external benchmark have not fully compressed.
What a 25 bps gap costs
A 25 bps difference on a ₹75 lakh, 20-year loan is several thousand rupees a month. Shop the sanction letter, not the headline.
Source
This briefing cites a public aggregator snapshot dated 13 September 2026. SBI can change the card without notice.
These are published *card* rates, not a sanctioned offer.
Ask Yaar — it has this article and the underlying data as context.
Collates official publications and published trackers for Hyderabad and Telangana buyers. Every figure is cited. We do not appraise individual units.