Interest Rates of Home Loans wef 01/03/1994 TO 05

From To dd/mm/yyyy SBAR up to Rs 25000

dd/mm/yyyy

3/1/1994 10/17/1994 15.00% 12.50%

1/18/1994 2/28/1995 14.00% 12.50%
3/1/1995 4/30/1995 15.00% 12.50%
5/1/1995 11/9/1995 15.50% 12.50%
11/10/1995 9/30/1996 16.50% 12.50%
10/1/1996 12/31/1996 15.50% 12.50%
1/1/1997 3/31/1997 14.50% 12.50%
4/1/1997 6/30/1997 14.00% 12.24%
7/1/1997 10/31/1997 13.50% 12.24%
11/1/1997 1/21/1998 13.00% 12.24%
1/22/1998 4/1/1998 14.00% 12.24%
4/2/1998 4/30/1998 13.50% 12.24%
5/1/1998 6/30/1998 13.00% 12.24%
7/1/1998 2/28/1999 13.00% 12.24%
3/1/1999 1/31/2000 12.00% 12.24%
2/1/2000 5/10/2000 12.00% 12.24%

From To SBAR

5/11/2000 8/11/2000 11.50%

8/12/2000 2/18/2001 12.00%
2/19/2001 3/16/2001 12.00%
3/17/2001 3/31/2001 12.00%
4/1/2001 9/14/2001 12.00%
9/15/2001 12/31/2001 12.00% Floating
Fixed above 10 years
1/1/2002 3/31/2002 12.00% Floating
Fixed above 10 years

From To SBMTLR
4/1/2002 6/30/2002 11.50% Floating
Fixed
7/1/2002 8/15/2002 11.50% Floating
Fixed
8/16/2002 1/31/2003 11.25% Floating
Fixed
11/1/2002 1/31/2003

2/1/2003 5/4/2003 11.25% Floating

Fixed
5/5/2003 6/15/2003 11.00% Floating
 Fixed
6/16/2003 9/30/2003 11.00% Floating
Fixed

10/1/2003 12/31/2003 11.00% Floating

Fixed
01-01-2004 - 11/28/2004 SBAR Floating
PB/19A/1002 dt. 10.25%
January 7, 2004
Fixed

From To SBAR

29-11-2004 2/28/2006 10.25% Floating

-PB/HL/IR/ 1092
dt. 27th
November 2004
Fixed

From To SBAR

01-03-2006 4/30/2006 10.25% Floating

PBBU/HL/IR/ 585
dt. 21st February
2006
Fixed
From To SBAR

01-05-2006 8/1/2006 Floating 10.75%

-No.PBBU/HL/IR/4
5 dt.29.4.2006
Fixed
02-08-2006 - 2/11/2007 Floating 11.00%
PBBU/HL/IR/269
dt.2nd August
2006
Fixed

From To SBAR

12-02-2007 - 2/19/2007 Floating 11.50%

No.PBBU/HL/IR/6
06 Date : 10th
February, 2007
Fixed
SBAR
20-02-2007 - 4/8/2007 Floating 12.25%
No.PBBU/HL/IR/6
28 Date : 20th
Feb. 2007
Fixed
09-04-2007 - 2/16/2008 Floating 12.75%
No.PBBU/HL/IR/1
3 Date : 9th April,
2007
Fixed

10/8/2007 12/31/2007 Up to 20 la 12.75%

above 20 lac

Floating SBAR
17-2-2008 - Cir. 26/6/2008 Up to 20 la 12.50%
No.PBBU/HL/IR/4
4 Date : 14th
February 2008
above 20 lac

27-02-2008 SBAR 12.25%

CHANGE

27-06-2008 - 8/11/2008 upto Rs 12.75%

No.PBBU/HL/IR/1 30 lac
8 DT.27.6.2008 above 30
lac

12-08-2008 - Cir. 9/2/2008 upto Rs 13.75%

No. 30 lac
PBBU/HL/IR/22 Above 30
Dated 13th August Lacs
2008

03-09-2008 - Cir. 11/9/2008 upto Rs 13.75%

No. 30 lac
PBBU/HL/IR/23 Rs 30 lac
Dated 2nd to 75 lacs
September 2008
Above 75
lacs

SBAR
10-11-2008 - Cir. 12/31/2008 upto Rs 13.00%
No. 30 lac
PBBU/HL/IR/31
Dated - 8th
November 2008
10-11-2008 - Cir.
No.
PBBU/HL/IR/31 Rs 30 lac
Dated - 8th to 75 lacs
November 2008
Above 75
lacs

01-01-2009 - 28/6/2009 upto Rs 12.25%

PBBU/HL/IR/ 42 30 Lacs
DT.29th December Rs 30 lac
2008 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 upto Rs 11.75%

30 Lacs
Rs 30 lac
to 75 lacs
Above 75
lacs

02-02-2009 - 6/30/2009 SBI 8% fixed for one year upto 30th April
PBBU/HL/AX/46 Happy 2010 & extened upto 30th sep 2009
DT. 31.01.2009 Home
SBI Happy Home Loan Offer
Loan Offer

01-07-2009 - 9/30/2009 SBI Easy Int. Rate First year 8% p.a. & Fixed Int
PBBU/HL/AX/04 Home Rate for next two years 9% p.a.
DT. 23.06.2009 - Loan -
Easy Home Loan Upto
Rs.30
Lacs

01-07-2009 - 9/30/2009 SBI Int. Rate First year 8% p.a. & Fixed Int
Cir.No. Advantag Rate for next two years 9.5% p.a.
PBBU/HL/PM/05 - e Home
Date:23rd June, Loan -
2009 - Advantage Above
Home Loan Rs.30 Spl HL Closed on 30th June 2009
30.6.2009 Cir.No. PBBU/HL/PM/06 dt.23.06.2009
29-6-2009 Cir. No. 8/7/2009 upto Rs 11.75%
PBBU/HL/IR/08 dt 30 lac
30th June 2009 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
08-08-2009 - SBI 31/3/2010 SBAR For first year
My Home
Campaign ( 8th
August 2009 to 7th
November 2009)
-Cir. No.
PBBU/HL/PM/11 SBI Easy upto 50 11.75% 8.00%
dt 05.08.2009 lacs
extnded by Cir.
No.
PBBU/HL/PM/17 SBI Advantage 11.75% 8.00%
dt.6th November above 50 lacs
2009 upto
31.03.2010

01-04-2010 - 4/30/2010 SBAR For first year

Cir:PBBU/HL/PM/2
7 dated
28.03.2010
SBI Easy upto 50 11.75% 8.00%
lacs

SBI Advantage 8.00%

above 50 lacs

01-05-2010 - Cir. 30/6/2010 SBAR For first year

No.
PBBU/HL/PM/2
dt.29th April 2010 -
EASY,
ADVANTAGE HL SBI Easy upto 50 11.75% 8.00%
lacs

SBI Advantage 8.00%

above 50 lacs

01-07-2010 Cir. 9/30/2010 BASE RAT For first year

No.
PBBU/HL/PM/10
dt.30th June 2010
- EASY,
ADVANTAGE HL
01-07-2010 Cir.
No.
PBBU/HL/PM/10
dt.30th June 2010
- EASY,
ADVANTAGE HL SBI Easy upto 50 7.50% 8%
lacs

SBI Advantage 7.50% 8%

above 50 lacs

01-10-2010 - 10/20/2010 BASE RAT For first year

Maxgain raised to
Rs.1 Crore Cir. No.
PBBU/HL/PM/22
dt.27th September
2010 SBI Easy upto 50 7.50% 8%
lacs

SBI Advantage 7.50% 8%

above 50 lacs

21-10-2010 - Cir. 1/2/2011 7.60%

No. SBI Easy upto 50 7.60% 8%
PBBU/HL/PM/26 lacs
dt. 26th October
2010 - Easy,
Advantage SBI Advantage 7.60% 8%
above 50 lacs

03-01-2011 - 13-02-2011 -SBI 8.00% 8.50%

Cir.No. Easy upto 30
PBBU/HL/PM/40 lacs
Dt. 01st January, SBI Advantage 8.00% 8.50%
2011 - Easy, above 30 lacs
Advantage, upto 75 lacs
Premium HL
SBI Premium 8.00% 1.75% above BR
above 75 Lacs
Vanilla Home Upto Rs. 30.00 1.50% above Base Rate
Loan on floating lacs
interest rate (New
Loans):
Above Rs. 30.00 1.75% above Base Rate
lacs and upto Rs.
75.00 lacs
Above Rs. 75.00 1.75% above Base Rate
lacs
14-02-2011 - Cir. 31-03-2011 - SBI 8.25% 8.75%
No. Easy upto 30
PBBU/HL/IR/48 dt. lacs
12th February SBI Advantage 8.75%
2011 - Easy, above 30 lacs
Advantage, upto 75 lacs
Premium HL
SBI Premium 1.75% above Base Rate
above 75 Lacs
01-04-2011 - Cir. 30-04-2011 - SBI 8.25% 8.75%
No. Easy upto 30
PBBU/HL/PM/55 lacs
dt. 31st March
2011 - Easy,
Advantage,
Premium,
Premium Plus HL
01-04-2011 - Cir.
No.
PBBU/HL/PM/55
dt. 31st March SBI Advantage 8.25% 8.75%
2011 - Easy, above 30 lacs
Advantage, upto 75 lacs
Premium,
Premium Plus HL SBI Premium 8.25% 1.75% above Base Rate
above 75 Lacs to
5 crores
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. 11-05-2011 -Upto 8.50% 1.00% above Base Rate

No. Rs. 30.00 lacs
PBBU/HL/PM/3
dt. 20th April 2011
Above Rs. 30.00 8.50% 1.25% above Base Rate
lacs and upto Rs.
75.00 lacs

Above Rs. 75.00 8.50% 1.75% above Base Rate

lacs
12-05-2011 - Cir. 10-07-2011 - 9.25% 1.00% above Base Rate
No. RE/HL/IR/10 Upto Rs. 30.00
dt.12th May 2011 lacs

Above Rs. 30.00 9.25% 1.25% above Base Rate

lacs and upto Rs.
75.00 lacs

Above Rs. 75.00 9.25% 1.75% above Base Rate

lacs
11-07-2011 - Cir. 12-08-2011 - 9.50% 1.00% above Base Rate
No. RE/HL/IR/27 Upto Rs. 30.00
dt. 11th July 2011 lacs

Above Rs. 30.00 9.50% 1.25% above Base Rate

lacs and upto Rs.
75.00 lacs

Above Rs. 75.00 9.50% 1.75% above Base Rate

lacs
13-08-2011 - Cir. Upto Rs. 30.00 10.00% 0.75% above Base Rate
No. RE/HL/IR/30 lacs
dt. 12th August
2011
Above Rs. 30.00 10.00% 1.00% above Base Rate
lacs and upto Rs.
75.00 lacs

Above Rs. 75.00 10.00% 1.25% above Base Rate

lacs
21-04-2012 - Cir. Upto Rs. 30.00 10.00% 0.75% above Base Rate
No. RE/HL/PM/5 lacs
dt. 21st April 2012

Above Rs. 30.00 10.00% 1.00% above Base Rate

lacs and upto Rs.
75.00 lacs

Above Rs. 75.00 10.00% 1.25% above Base Rate

lacs

RE/HL/IR/21 dated Upto Rs 30 lacs 10.00% 0.25 % above Base Rate

6th August 2012

Above rs 30 lacs 10.00% 0.40% abobe Base rate

RE/HL/IR/26 dated Upto Rs 30 lacs 9.75% 0.25 % above Base Rate

20th September
2012
Above rs 30 lacs 9.75% 0.40% abobe Base rate

RE/HL/IR/47 dated Upto Rs 30 lacs 9.70% 0.25 % above Base Rate

31/01/2013.(w.e.f.
04/02/2013)
Above rs 30 lacs 9.70% 0.40% abobe Base rate

RE/HL/IR/22 dated Upto Rs 30 lacs 9.80% 0.30 % above Base Rate

24th September,
2013 (w.e.f 1st
October, 2013)
Above rs 30 lacs 9.80% 0.50% abobe Base rate

RE/HL/IR/25 Date: Upto Rs 30 lacs 10.00% 0.30 % above Base Rate

6th November,
2013 (w.e.f. 7th
November, 2013)
Above rs 30 lacs 10.00% 0.50% abobe Base rate

RE/HL/IR/29 Date: Upto Rs 75 lacs 10.00%

19th December, For Women : 0.10 % above Base Rate;
2013 (w.e.f. 20th For Others 0.15% above Base Rate
Dec, 2013)
Above rs 75 lacs 10.00%
For Women : 0.25 % above Base Rate;
For Others 0.30% above Base Rate
 Women 10.00% 10 bps above BR
RE/HL/IR/17 dated
25/08/2014
Others 10.00% 15 bps above BR

Women 9.85% 10 bps above BR

RE/HL/IR/4 dated
9/04/2015
Others 9.85% 15 bps above BR

Women 9.75% at BR
RE/HL/IR/5 dated
13/04/2015
Others 9.85% 5 bps above BR

NBG/PBU/HL-
HOME
LOANS/12/2015-
2016 dated Women 9.70% at BR
08.06.2015

Others 9.70% 5 bps above BR

NBG/RE,H&HD-
HL/19/2015 - 16 Women 9.30% 20 bps above BR
dated 03.10.2015
Others 9.30% 25 bps above BR
of Home Loans wef 01/03/1994 TO 05/10/2015
> Rs25000 up to <Rs 2 lacs > Rs 2 lacs up >Rs 3 lacs up to >Rs 5 >Rs 10 > Rs 15
to Rs 3 lacs Rs 5 lacs lacs up to lacs up to lacs
10 lacs 15 lacs
14.50% 15.00% 16.00% 16.00% 16.00% 16.00%
14.00% 15.00% 16.00% 16.00% 16.00% 16.00%
14.00% 16.00% 17.25% 17.25% 17.25% 17.25%
14.00% 16.50% 17.75% 17.75% 17.75% 17.75%
14.00% 17.75% 18.75% 18.75% 18.75% 18.75%
14.00% 16.50% 17.75% 17.75% 17.75% 17.75%
14.00% 16.50% 17.00% 17.00% 17.00% 17.00%
13.77% 16.32% 16.57% 16.57% 16.57% 16.57%
13.77% 15.81% 16.06% 16.57% 16.57% 16.57%
13.26% 15.30% 15.55% 16.06% 16.06% 16.06%
13.77% 16.32% 16.57% 17.08% 17.08% 17.08%
13.77% 15.81% 16.06% 16.57% 16.57% 16.57%
13.26% 15.30% 15.55% 16.06% 16.06% 16.06%
13.26% 14.28% 14.28% 15.30% 15.30% 15.30%
12.24% 13.26% 13.26% 14.28% 14.28% 14.28%
12.24% 13.26% 13.26% 13.77% 14.28% 14.79%

Up to 5 years > 5 years up to 10 years above 10 years

11.50% 12.50% 12.75%

12.00% 13.00% 13.25%
12.00% 13.00% 13.25%
12.00% 12.50% 12.50%
12.00% 12.50% 12.50%
12.00% 12.00% 12.00%
12.00% 12.00% 12.50%
11.50% 11.50% 11.50%
12.00% 12.00% 12.50%

Up to 5 years > 5 years up to 10 years above 10 years

10.50% 11.00% 11.00%
10.75% 11.25% 11.50%
10.00% 10.50% 11.00%
10.25% 10.75% 11.25%
9.75% 10.25% 10.75%
10.00% 10.50% 11.00%

9.00% 9.00% 9.50%

9.25% 9.25% 9.75%
8.75% 8.75% 9.25%
9.00% 9.00% 9.50%
8.00% 8.75% 9.25%
8.25% 9.00% 9.50%

7.75% 8.25% 8.50%

8.00% 8.50% 8.75%
7.50% 8.00% 8.25%

8.00% 8.75% 9.00%

Up to 5 years > 5 up to 15 above 15 years

years
8.00% 8.50% 8.75%

8.50% 9.00% 9.25%

Up to 5 years > 5 up to 10 > 10 up to 15 above 15

years years years
8.50% 8.75% 9.00% 9.25%

9.25% 9.50%
Upto 5 years 5 years to 10 10 years to 15 15 years
years years to 20
years
8.75% 9.25% 9.25% 9.75%

9.50% 9.75%
9.00% 9.50% 10.00% 10.00%

9.75% 10.00%

Upto 5 years 5 years to 15 15 years to 20

years years
9.50% 10.00% 10.00%

11.50% 11.50%
Upto 5 years 5 years to 20 Upto 10 years
years
10.25% 10.75%

12.25%
10.75% 11.25%

12.75%

upto 5 years 5 yrs to 15 yrs 15 yrs to 20 yrs Fixed

10.00% 10.25% 10.50% 12.75%
10.25% 10.50% 10.75% 12.75%

upto 5 years 5 yrs to 15 yrs 15 yrs to 20 yrs Fixed

10.00% 10.25% 10.50% 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 5 yrs to 15 yrs 15 yrs to 25 yrs

9.75% 10.00% 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%

RATE + 0.25% - ONLY TERM LOAN

Next 2 years 4 th year 4 th year
onwards (if onwards (if
opted for opted for Fixed)
Floating) reset period
5yrs
8.50% 2.75% below 1.25 % below
SBAR SBAR with reset
frequency of 5
years
9.00% 1.75% below 0.75% below
SBAR SBAR with reset
frequency of 5
years .

Next 2 years 4 th year 4 th year

onwards (if onwards (if
opted for opted for Fixed)
Floating)
9.00% 1.75% below 0.75% below
SBAR, i.e. SBAR, with a
10.00% reset frequency
of 5 years.

9.00% 1.75% below 0.75% below

SBAR, i.e. SBAR, with a
10.00% reset frequency
of 5 years .

Next 2 years 4 th year 4 th year

onwards (if onwards (if
opted for opted for Fixed)
Floating)
9.00% 2.50% below 0.75% below
SBAR SBAR, with a
reset frequency of
5 years.
9.00% 2% below 0.75% below
SBAR SBAR, with a
reset frequency of
5 years .
Next 2 years 4 th year 4 th year
onwards (if onwards (if
opted for opted for Fixed)
Floating)
9% 1.75% above 3.50% above
BR the Base Rate
reset freq 5 yrs
9% 2.25% above 3.50% above
BR the Base Rate
reset freq 5 yrs
Next 2 years 4 th year 4 th year
onwards (if onwards (if
opted for opted for Fixed)
Floating)
9% 1.75% above 3.50% above
BR the Base Rate
reset freq 5 yrs
9% 2.25% above 3.50% above
BR the Base Rate
reset freq 5 yrs

9% 1.75% above 3.50% above

BR the Base Rate
reset freq 5 yrs
9% 2.25% above 3.50% above
BR the Base Rate
reset freq 5 yrs
9.25% 1.50% above No Fixed Rate
Base Rate

9.25% 1.75% above No Fixed Rate

BR

1.75% above BR 1.75% above No Fixed Rate

BR
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
9.50% 1.50% above
Base Rate
 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

t Rates Home Loan Sanctions.

9.50% p.a. 11% - Fixed for

old HL upto
Rs.30 Lacs
9.75% p.a. 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%
No fixed Rate
option
9.95%

10.10%
No fixed Rate
option
10.10%

10.30%
No fixed Rate
option
10.30%

10.50%
No fixed Rate
For Women :10.10% ; For Others : option
10.15%

For Women :10.25% ; For Others :

10.30%
10.10%
No fixed Rate
option
10.15%

9.95%
No fixed Rate
option
10.00%

9.85%
No fixed Rate
option
9.90%

9.70% No fixed Rate

option

9.75%

9.50% No fixed Rate

option Current Rate of
9.55% Interest