Home Loan

State Bank of India (SBI), the country's largest lender, is poised to achieve another milestone with its home loan portfolio expected to cross the Rs 10 lakh crore mark next fiscal year, driven by robust demand and a favourable low-interest-rate regime. "Today my home loan portfolio is more than Rs 9 lakh crore...this is the single largest business unit in the bank, over 20 per cent of our total assets," SBI Chairman C S Setty told PTI. At 14 per cent growth rate, SBI is well on the path to achieve a milestone of Rs 10 lakh crore home portfolio next financial year, he said. SBI's home loan portfolio crossed Rs 9 lakh crore mark last month, making it the biggest mortgage loan provider in the country. The bank closed FY25 with the home loan book at Rs 8.31 lakh crore, registering 14.4 per cent growth over the previous financial year. SBI has built a home loan portfolio in a gradual and steady manner over the years - from Rs 1 lakh crore milestone in March 2011 to Rs 9 lakh crore in

A high credit score is critical as it enables the borrower to secure the new loan at an attractive rate

While property prices remain high, state-owned lenders are providing vital relief by holding interest rates at competitive levels

Following the RBI's repo rate cut, major public-sector lenders are offering relief to home and auto loan borrowers

Public-sector banks have the lowest entry rates but borrowers should note that private banks and HFCs maintain wider rate spreads

RBI rate cut: A fourth rate cut in 2025 has brought the repo rate to 5.25 percent, giving homebuyers room to save through lower EMIs, shorter tenures, and better lending rates

Rate gaps are wide, with state-owned banks offering the most competitive terms

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Public and private banks keep rates steady; some lenders offer loans starting as low as 7.35% this month, shows Paisabazaar data

A new rule from the RBI means banks can now reduce the 'spread' part of your floating-rate home loan sooner - and borrowers are waking up to the opportunity.

RBI keeps repo rate steady at 5.5%. Along with GST cuts, experts say homebuyers gain relief while developers see improved affordability

Compare the full cost of the loan rather than focusing solely on interest rates

As of June 2025, home loans, according to the Equirus note, grew 12.8 per cent y-o-y to Rs 41.2 trillion, led by state-owned banks (+15.5 per cent y-o-y) and NBFCs / state finance banks

Linked to your existing home loan, top-up loans offer lower rates and longer tenures than personal loans, but experts say repayment discipline is key.

Struggling with home loan EMIs? In the early years, most of your payments go into interest, not principal — making your loan feel endless. But there’s a smart repayment hack that can cut a 25-year

Growing competition in corporate and institutional credit as well as in home loans, and lower interest rates have also put pressure on lending margins

Muthoot Finance plans to invest Rs 200 crore in its housing finance subsidiary, Muthoot Homefin, for growth, as the home loan arm's assets under management rise 41% in Q1 FY26

With RBI keeping repo rate unchanged, experts explain how borrowers can refinance loans and save on EMIs

Borrowers can now raise complaints online against housing finance companies through a dedicated platform run by the regulator

Aptus Value Housing has surged over 7 per cent in two sessions after the company reported strong performance in a seasonally weak quarter