State Bank of India Loan Against Property
India's largest bank — trusted PSU pricing with some of the lowest home-loan rates in the market, especially for women borrowers and government employees.
★ PSU pricing discipline — low spread over home-loan rates.
SBI Loan Against Property at a glance
- Interest rate
- 10.00% – 11.30% p.a.
- Processing fee
- 1% (capped)
- Maximum amount
- ₹7.5 Cr
- Tenure
- Up to 15 years
Indicative as compiled by QCred; the lender's live schedule prevails. Your rate depends on credit score, income and loan size.
Check your SBI loan against property offer
It takes 2 minutes. This will not affect your credit score.
SBI vs other lenders on loan against property
| Lender | Interest rate | Processing fee | Max amount | |
|---|---|---|---|---|
| HDFC Bank | 9.50% – 11% p.a. | Up to 1% | ₹10 Cr | Apply → |
| State Bank of India | 10.00% – 11.30% p.a. | 1% (capped) | ₹7.5 Cr | Apply → |
| ICICI Bank | 9.75% – 11.50% p.a. | Up to 1% | ₹10 Cr | Apply → |
| Axis Bank | 9.90% – 11.75% p.a. | Up to 1% | ₹5 Cr+ | Apply → |
| Kotak Mahindra Bank | 9.60% – 11.25% p.a. | Up to 1% | ₹7.5 Cr | Apply → |
| Punjab National Bank | 10.10% – 12% p.a. | 0.75% – 1% | ₹5 Cr | Apply → |
| Bank of Baroda | 9.85% – 11.60% p.a. | Up to 1% | ₹5 Cr | Apply → |
| IDFC FIRST Bank | 9.95% – 12% p.a. | Up to 1.5% | ₹7 Cr | Apply → |
| Tata Capital | 10.10% – 13% p.a. | Up to 1.25% | ₹5 Cr | Apply → |
| Bajaj Finserv | 9.85% – 14% p.a. | Up to 1.18% | ₹15 Cr (via BHFL) | Apply → |
Eligibility
- Age
- 21 – 70 years
- Property
- Residential / commercial / industrial, clear title
- Income
- Sufficient to service EMI (salaried or business)
- Credit score
- 650+ recommended
Documents required
- PAN and Aadhaar
- Income proof (ITR / salary slips)
- Complete property document chain
- Last 6 months' bank statements
State Bank of India Loan Against Property FAQs
What is the State Bank of India loan against property interest rate?
State Bank of India loan against property rates currently run 10.00% – 11.30% p.a. depending on your credit score, income profile and loan amount. The processing fee is 1% (capped). Rates are revised periodically — QCred confirms the live rate for your profile before you apply.
How much loan against property can I get from State Bank of India?
Up to ₹7.5 Cr, subject to your repayment capacity (lenders cap total EMIs near half your net income) with tenures of Up to 15 years. Use our eligibility calculator for a quick estimate.
Should I apply to State Bank of India directly or through QCred?
The rate and product are the same — but through QCred you see how SBI's offer compares against other lenders for your exact profile before committing, and one advisor tracks your file to disbursal. Our service is free; lenders pay us on disbursal.