Interest Rates of Home Loans wef 01/03/1994 T

From
dd/mm/yyyy

To dd/mm/yyyy

SBAR

up to Rs 25000

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%

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%

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%

Floating
Fixed above 10 years
Floating
Fixed above 10 years

Floating
Fixed
Floating
Fixed
Floating
Fixed

Floating
Fixed
Floating
Fixed

6/16/2003

9/30/2003

11.00%

Floating
Fixed

10/1/2003

12/31/2003

11.00%

01-01-2004 11/28/2004
PB/19A/1002 dt.
January 7, 2004

SBAR
10.25%

Floating
Fixed
Floating

Fixed
From

To

29-11-2004 2/28/2006
PB/HL/IR/ 1092
dt. 27th
November 2004

SBAR
10.25%

Floating

Fixed
From

To

SBAR

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

4/30/2006

10.25%

From

To

01-05-2006 8/1/2006
No.PBBU/HL/IR/
45 dt.29.4.2006

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

Floating

Fixed
SBAR

Floating

10.75%

Fixed
Floating

11.00%

Fixed

From

SBAR

To

12-02-2007 2/19/2007
No.PBBU/HL/IR/
606 Date : 10th
February, 2007

Floating

11.50%

Fixed
SBAR

20-02-2007 4/8/2007
No.PBBU/HL/IR/
628 Date : 20th
Feb. 2007
09-04-2007 2/16/2008
No.PBBU/HL/IR/
13 Date : 9th
April, 2007

Floating

12.25%

Fixed
Floating

12.75%

Fixed

10/8/2007

12/31/2007

17-2-2008 - Cir. 26/6/2008

No.PBBU/HL/IR/
44 Date : 14th
February 2008

Up to 20 lac12.75%
above 20 lac
Floating
SBAR
Up to 20 lac12.50%

above 20 lac
27-02-2008
SBAR CHANGE

12.25%

27-06-2008 8/11/2008
No.PBBU/HL/IR/
18 DT.27.6.2008

upto Rs 30 12.75%
lac
above 30
lac

12-08-2008 - Cir. 9/2/2008

No.
PBBU/HL/IR/22
Dated 13th
August 2008

upto Rs 30 13.75%
lac
Above 30
Lacs

03-09-2008 - Cir. 11/9/2008

No.
PBBU/HL/IR/23
Dated 2nd
September 2008

upto Rs 30 13.75%
lac
Rs 30 lac
to 75 lacs
Above 75
lacs

10-11-2008 - Cir. 12/31/2008

No.
PBBU/HL/IR/31
Dated - 8th
November 2008

SBAR
upto Rs 30 13.00%
lac
Rs 30 lac
to 75 lacs

10-11-2008 - Cir.
No.
PBBU/HL/IR/31
Dated - 8th
November 2008

01-01-2009 28/6/2009
PBBU/HL/IR/ 42
DT.29th
December 2008

Above 75
lacs

upto Rs 30 12.25%
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

02-02-2009 6/30/2009
PBBU/HL/AX/46
DT. 31.01.2009
SBI Happy
Home Loan
Offer
01-07-2009 9/30/2009
PBBU/HL/AX/04
DT. 23.06.2009 Easy Home
Loan

upto Rs 30 11.75%
Lacs
Rs 30 lac
to 75 lacs
Above 75
lacs
SBI Happy 8% fixed for one year upto 30th April 2010
Home
& extened upto 30th sep 2009
Loan Offer

SBI Easy
Home
Loan Upto
Rs.30
Lacs

Int. Rate First year 8% p.a. & Fixed Int

Rate for next two years 9% p.a.

SBI
Int. Rate First year 8% p.a. & Fixed Int
01-07-2009 9/30/2009
Advantage Rate for next two years 9.5% p.a.
Cir.No.
Home
PBBU/HL/PM/05
Loan - Date:23rd
Above
June, 2009 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.
PBBU/HL/IR/08
dt 30th June
2009

8/7/2009

upto Rs 30 11.75%
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
SBAR
For first year
08-08-2009 - SBI 31/3/2010
My Home
Campaign ( 8th
August 2009 to
7th November
SBI Easy upto 50 11.75%
8.00%
2009) -Cir. No.
PBBU/HL/PM/11 lacs
dt 05.08.2009
extnded by Cir.
SBI Advantage
11.75%
8.00%
No.
above
50
lacs
PBBU/HL/PM/17
dt.6th November
2009 upto
SBAR
01-04-2010 4/30/2010
Cir:PBBU/HL/PM
/27 dated
28.03.2010
SBI Easy upto 50 11.75%
lacs

SBI Advantage
above 50 lacs

01-07-2010 Cir. 9/30/2010

No.
PBBU/HL/PM/10
dt.30th June
2010 - EASY,
ADVANTAGE HL

8.00%

8.00%

SBAR
01-05-2010 - Cir. 30/6/2010
No.
PBBU/HL/PM/2
dt.29th April
SBI Easy upto 50 11.75%
2010 - EASY,
ADVANTAGE HL lacs

SBI Advantage
above 50 lacs

For first year

For first year

8.00%

8.00%

BASE RATEFor first year

01-07-2010 Cir.
No.
PBBU/HL/PM/10
dt.30th June
SBI Easy upto 50 7.50%
2010 - EASY,
ADVANTAGE HL lacs
SBI Advantage
above 50 lacs

7.50%

8%

8%

BASE RATEFor first year

01-10-2010 10/20/2010
Maxgain raised
to Rs.1 Crore
Cir. No.
8%
PBBU/HL/PM/22 SBI Easy upto 50 7.50%
lacs
dt.27th
September 2010
SBI Advantage
7.50%
8%
above 50 lacs
21-10-2010 Cir. No.
PBBU/HL/PM/26
dt. 26th October
2010 - Easy,
Advantage

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

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

13-02-2011 -SBI 8.00%

Easy upto 30 lacs

8.50%

SBI Advantage
above 30 lacs
upto 75 lacs
SBI Premium
above 75 Lacs
Upto Rs. 30.00
lacs

8.00%

8.50%

8.00%

1.75% above BR

Vanilla Home
Loan on
floating interest
rate (New
Loans):

SBI Advantage
above 50 lacs

7.60%

Above Rs. 30.00

lacs and upto Rs.
75.00 lacs
Above Rs. 75.00
lacs
14-02-2011 - Cir. 31-03-2011 - SBI 8.25%
No.
Easy upto 30 lacs
PBBU/HL/IR/48
dt. 12th February SBI Advantage
above 30 lacs
2011 - Easy,
upto 75 lacs
Advantage,
SBI Premium
Premium HL
above 75 Lacs
01-04-2011 - Cir. 30-04-2011 - SBI 8.25%
No.
Easy upto 30 lacs
PBBU/HL/PM/55
SBI Advantage
8.25%
dt. 31st March
above
30
lacs
2011 - Easy,
upto 75 lacs
Advantage,
Premium,
Premium Plus
HL

8%

8%

1.50% above Base Rate

1.75% above Base Rate

1.75% above Base Rate

8.75%

8.75%

1.75% above Base Rate

8.75%

8.75%

No.
PBBU/HL/PM/55
dt. 31st March
2011 - Easy,
Advantage,
SBI Premium
8.25%
1.75% above Base Rate
Premium,
above 75 Lacs to
Premium Plus
5 crores
HL
SBI Premium
8.25%
2.00% above Base rate
plus above 5
Crores
End of Teaser Rate regime. No fixed Interest Rates Home Loan Sanctions.
01-05-2011 - Cir.
No.
PBBU/HL/PM/3
dt. 20th April
2011

11-05-2011 -Upto 8.50%

Rs. 30.00 lacs

1.00% above Base Rate

Above Rs. 30.00 8.50%

lacs and upto Rs.
75.00 lacs

1.25% above Base Rate

Above Rs. 75.00

lacs
12-05-2011 - Cir. 10-07-2011 No. RE/HL/IR/10 Upto Rs. 30.00
dt.12th May 2011 lacs

8.50%

1.75% above Base Rate

9.25%

1.00% above Base Rate

Above Rs. 30.00 9.25%

lacs and upto Rs.
75.00 lacs

1.25% above Base Rate

Above Rs. 75.00 9.25%

lacs
9.50%
11-07-2011 - Cir. 12-08-2011 No. RE/HL/IR/27 Upto Rs. 30.00
dt. 11th July
lacs
2011
Above Rs. 30.00 9.50%
lacs and upto Rs.
75.00 lacs

1.75% above Base Rate

Above Rs. 75.00 9.50%

lacs
10.00%
13-08-2011 - Cir. Upto Rs. 30.00
No. RE/HL/IR/30 lacs
dt. 12th August
2011
Above Rs. 30.00 10.00%
lacs and upto Rs.
75.00 lacs

1.75% above Base Rate

Above Rs. 75.00

lacs
21-04-2012 - Cir. Upto Rs. 30.00
No. RE/HL/PM/5 lacs
dt. 21st April
2012

10.00%

1.25% above Base Rate

10.00%

0.75% above Base Rate

1.00% above Base Rate

1.25% above Base Rate

0.75% above Base Rate

1.00% above Base Rate

21-04-2012 - Cir.
No. RE/HL/PM/5
dt. 21st April
2012

RE/HL/IR/21
dated 6th
August 2012

Above Rs. 30.00 10.00%

lacs and upto Rs.
75.00 lacs

1.00% above Base Rate

Above Rs. 75.00

lacs

10.00%

1.25% above Base Rate

Upto Rs 30 lacs

10.00%

0.25 % above Base Rate

Above rs 30 lacs

10.00%

0.40% abobe Base rate

9.75%

0.25 % above Base Rate

9.75%

0.40% abobe Base rate

RE/HL/IR/26 Upto Rs 30 lacs

dated 20th
September 2012
Above rs 30 lacs

RE/HL/IR/47 Upto Rs 30 lacs 9.70%

dated
31/01/2013.(w.e
Above rs 30 lacs 9.70%
.f. 04/02/2013)

0.25 % above Base Rate

RE/HL/IR/22 Upto Rs 30 lacs 9.80%

dated 24th
September,
Above rs 30 lacs 9.80%
2013 (w.e.f 1st
October, 2013)

0.30 % above Base Rate

RE/HL/IR/25 Upto Rs 30 lacs 10.00%

Date: 6th
November, 2013
Above rs 30 lacs 10.00%
(w.e.f. 7th
November,
2013)
Upto Rs 75 lacs 10.00%
RE/HL/IR/29

0.30 % above Base Rate

Date: 19th
December, 2013
Above rs 75 lacs 10.00%
(w.e.f. 20th Dec,
2013)

0.40% abobe Base rate

0.50% abobe Base rate

0.50% abobe Base rate

For Women : 0.10 % above Base Rate;

For Others 0.15% above Base Rate
For Women : 0.25 % above Base Rate;
For Others 0.30% above Base Rate

tes of Home Loans wef 01/03/1994 TO date

> Rs25000 up to <Rs 2 lacs

> Rs 2 lacs up
to Rs 3 lacs

>Rs 3 lacs up to >Rs 5 lacs

Rs 5 lacs
up to 10
lacs
16.00%
16.00%
16.00%
16.00%
17.25%
17.25%
17.75%
17.75%
18.75%
18.75%
17.75%
17.75%
17.00%
17.00%
16.57%
16.57%
16.06%
16.57%
15.55%
16.06%
16.57%
17.08%
16.06%
16.57%
15.55%
16.06%
14.28%
15.30%
13.26%
14.28%
13.26%
13.77%

>Rs 10
lacs up to
15 lacs
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%

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%

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%

> Rs 15
lacs

Up to 5 years

> 5 years up to 10 years

above 10 years

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

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%

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

> 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%
9.00%

9.00%
9.25%
8.75%
9.00%

9.50%
9.75%
9.25%
9.50%

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%

8.00%
8.25%

8.75%
9.00%

9.25%
9.50%

7.75%
8.00%
7.50%

8.25%
8.50%
8.00%

8.50%
8.75%
8.25%

8.00%

8.75%

9.00%

Up to 5 years

above 15 years

8.00%

> 5 up to 15
years
8.50%

8.50%

9.00%

9.25%

Up to 5 years

> 5 up to 10
years
8.75%

> 10 up to 15
years
9.00%

above 15
years
9.25%

9.25%
Upto 5 years

9.50%
5 years to 10
years

10 years to 15
years

8.75%

9.25%

9.25%

15 years
to 20
years
9.75%

9.50%
9.00%

9.75%
9.50%

10.00%

10.00%

9.75%

10.00%

Upto 5 years

5 years to 15
years
10.00%

15 years to 20
years
10.00%

11.50%
5 years to 20
years

Upto 10 years

8.50%

9.50%

11.50%
Upto 5 years

8.75%

10.25%

10.75%

12.25%
10.75%

11.25%

12.75%
upto 5 years
10.00%
10.25%

5 yrs to 15 yrs
10.25%
10.50%

15 yrs to 20 yrs
10.50%
10.75%

Fixed
12.75%
12.75%

upto 5 years
10.00%

5 yrs to 15 yrs
10.25%

15 yrs to 20 yrs
10.50%

Fixed
12.75%

10.25%

10.50%

10.75%

12.75%

10.50%

10.75%

11.00%

12.75%

10.75%

11.00%

11.25%

12.75%

10.50%

10.75%

11.00%

12.75%

11.75%

12.00%

12.25%

13.75%

10.50%

10.75%

11.00%

11.75%

12.00%

12.25%

11.75%

12.00%

12.50%

upto 5 years
9.75%

5 yrs to 15 yrs
10.00%

15 yrs to 25 yrs
10.25%

12.00%

11.00%

11.25%

11.50%

13.00%

11.00%

11.25%

11.75%

13.00%

9.75%

10.00%

10.25%

11.25%

10.25%

10.50%

10.75%

12.25%

10.25%

10.50%

11.00%

12.25%

9.25%

9.50%

9.75%

10.75%

9.75%

10.00%

10.25%

11.75%

9.75%

10.00%

10.50%

11.75%

Fixed reset period 5 years

4th year onwards 2% below SBAR

Fixed rate loan 1% below SBAR

4th year onwards 1.5% below SBAR
Fixed rate loan 0.5% below SBAR

9.25%

9.50%

9.75%

10.75%

9.75%

10.00%

10.25%

11.75%

9.75%

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

8.50%

2.75% below
SBAR

9.00%

1.75% below
SBAR

1.25 % below
SBAR with reset
frequency of 5
years
0.75% below
SBAR with reset
frequency of 5
years .

Next 2 years

4 th year
onwards (if
opted for
Floating)

4 th year
onwards (if
opted for Fixed)

9.00%

1.75% below
SBAR, i.e.
10.00%

0.75% below
SBAR, with a
reset frequency
of 5 years.

9.00%

1.75% below
SBAR, i.e.
10.00%

0.75%
below
SBAR, with a
reset frequency
of 5 years .

Next 2 years

4 th year
onwards (if
opted for
Floating)
2.50% below
SBAR

4 th year
onwards (if
opted for Fixed)

L RATE + 0.25% - ONLY TERM LOAN

Next 2 years

9.00%

9.00%

2% below
SBAR

Next 2 years

4 th year
onwards (if
opted for
Floating)

0.75% below
SBAR, with a
reset frequency of
5 years.
0.75% below
SBAR, with a
reset frequency of
5 years .
4 th year
onwards (if
opted for Fixed)

9%

1.75% above
BR

9%

2.25% above
BR

Next 2 years

4 th year
onwards (if
opted for
Floating)
1.75% above
BR

9%

3.50% above the

Base Rate reset
freq 5 yrs
3.50% above the
Base Rate reset
freq 5 yrs
4 th year
onwards (if
opted for Fixed)
3.50% above the
Base Rate reset
freq 5 yrs
3.50% above the
Base Rate reset
freq 5 yrs

9%

2.25% above
BR

9%

1.75% above
BR

9%

2.25% above
BR

9.25%

1.50% above
Base Rate

9.25%

1.75% above
BR

No Fixed Rate

1.75% above BR

1.75% above
BR

No Fixed Rate

3.50% above the

Base Rate reset
freq 5 yrs
3.50% above the
Base Rate reset
freq 5 yrs
No Fixed Rate

9.50% p.a.

10.50%

9.75% p.a.

11.25%

9.75% p.a.
9.50%

1.50% above
Base Rate

9.50%

1.75% above
Base Rate

1.75% above Base Rate

1.75% above
Base Rate
1.50% above
Base Rate

9.50%

9.50%

1.75% above
Base Rate

1.75% above Base Rate

1.75% above
Base Rate

2.00% above Base rate

2.00% above
Base rate

st Rates Home Loan Sanctions.

9.50% p.a.

9.75% p.a.

11% - Fixed for

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

10.25% p.a.
10.25% p.a.

11.75% - Fixed
for old HL upto
Rs.30 Lacs

10.50% p.a.

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

11.00% p.a.
10.50% p.a.

12.00% - Fixed
for old HL upto
Rs.30 Lacs

10.75% p.a.

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

11.25% p.a.
10.75% p.a.

12.50% - Fixed
for old HL upto
Rs.30 Lacs

11.00% p.a.

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

11.25% p.a.
10.75% p.a.

12.50% - Fixed
for old HL upto
Rs.30 Lacs

11.00% p.a.

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

11.25% p.a.

No fixed Rate
option
10.25%

10.40%
No fixed Rate
option
10.00%

10.15%
9.95%

No fixed Rate
option

10.10%
10.10%

No fixed Rate
option

10.30%
10.30%

No fixed Rate
option

10.50%
For Women :10.10% ; For Others :
10.15%
For Women :10.25% ; For Others :
10.30%

No fixed Rate
option