SBI vs HDFC Ltd Home loan

Home loan market in India is dominated by these two players (State Bank of India & HDFC Ltd). State bank of India has its largest network of branches and is quiet aggressive in pricing and distribution of their home loans.

HDFC ltd with its dedicated Home loan branches is close to SBI in terms of disbursal’s etc.

The Current rates of both Banks are


Interest rates

EMI Per Lac Processing Fees

State Bank of India

Upto 75 lac Above 75 lac
10.10% 10.25%
Upto 30 lac Above 30 lac
Rs.971.66 Rs.981.64
Up to 25 lacs :

0.125% of loan amount minimum Rs.1000/-
25-75 lacs : Rs.3,250/-
75 & above : 5,000/-


Upto 75 lac Above 75 lac
10.25% 10.50%
Upto 30 lac Above 30 lac
Rs.981.64 Rs.998.38
0.5% or

maximum 10,000+service tax (12.36%)

Once you know the rate, a customer needs to check

  1. Is the property he is looking to buy is approved under SBI or HDFC ltd home loan.
  2. How much loan that SBI or HDFC ltd can give us and which is better for him.
  3. The process of approval and time taken.

SBI home loan is known for its lowest rates and HDFC ltd for the best process to disburse a loan.

Make your decision basis on rate, convenience, loan amount eligibility and is property doable by anyone of them.

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