SBI Privilege Home Loan – Interest Rates for Govt. Employees

SBI Privilege Home loan scheme available for Govt Employees at lowest interest rates & high repayment period. This scheme is basically for beneficiaries of the seventh pay commission recommendations.

Eligible Applicants are Employees of Central / State Governments including PSBs, PSUs of Central Government, and other individual(s) with pensionable service.

Home Loan applications received for rupees ₹ 419,027 crores till 03 December 2020

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Loan Amount

Annual Income


120,17,256 loan quotes taken till now.
Home loan Interest rates starts from 6.90% for women, 6.95% for Others.

Features of SBI Privilege Home Loan Scheme:

  • Repayment Age upto 75 Years
  • Nil or Full Waiver of Processing Fees
  • .05% lower interest rates compare to Normal home loan scheme of 7.15% – 7.20%
  • Option for customers of other Banks / FIs to switchover their Home Loan outstanding balance to State Bank of India.
  • (Other terms and conditions are as applicable to regular SBI Home Loan Scheme)
  • EMI’s table, Interest outgo on a home loan amount of Rs 10,00,000 as per the schemes

    Loan Amount Repayment Period
    Interest Rate EMI per month
    Total Interest Paid
    Total Payout (EMI+Interest)
    Rs. 10 lakh 10 years 9.25-9.30% Rs.12803-12830 Rs.536392-539661 Rs.1536392-1539661
    Rs. 10 lakh 15 years 9.25-9.30% Rs.10291-10321 Rs.852545-857942 Rs.1852545-1857942
    Rs. 10 lakh 20 years 9.25-9.30% Rs.9158-9191 Rs.1198080-1205864 Rs.2198080-2205864
    Rs. 10 lakh 25 years 9.25-9.30% Rs.8563-8598 Rs.1569146-1579505 Rs.2569146-2579505
    Rs. 10 lakh 30 years 9.25-9.30% Rs.8226-8263 Rs.1961630-1974683 Rs.2961630-2974683
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