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Home loan book set to cross ₹10 trn in FY26 on strong demand: SBI chief

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

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

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Home loans at 7.35%-15% as Nov ends: Check what lenders are offering

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

Understanding Home Loan Eligibility - A Smart Approach to Confident Borrowing

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Home loan rates starting from 7.35%: Here are the top offers

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

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

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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

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How to clear your 25-yr home loan in 10 years and save lakhs in interest? EMI

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Banks see thinning spreads, driven by credit dip, lower deposits, rate cuts

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 to inject ₹200 crore into home loan arm for growth

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

RBI's rate pause: Best chance to lock cheaper home loans and stable EMIs

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

Facing issues with your home loan? Here's how NHB's GRIDS portal can help

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

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