Interest Rate Perquisite Calculation 2022

All Loan Limits Irrespective of Salaried and Non- Salaried
/ProfessionaI & self- employed etc

Credit score
(CIBIL)

Step up CRP starting Rate:
6.65 + 0.00 = 6.65 %

Effective Rate

>=800

EBR + 00 bps

ER 6.65 %

750—799

EBR + 10 bps

ER 6.75 %

700—749

EBR + 20 bps

ER 6.85%

650 — 699

EBR + 30 bps

ER 6.95%

0 — 649

 EBR + 50 bps

ER 7.15 %

NTC / No CIBIL
score /-1

EBR + 20 bps

ER 6.85 %

<550

 Not eligible

1

05 bps concession will be available to women subject to minimum EBR i.e 6.65%

2

A premium of 10 bps will be added to the Card Rate for Loan up to Rs 30 Lacs if LTV ratio is >80% & <=90%.

3

Minimum threshold for CIBIL score is 550, below which NO LOAN will be sanctioned

CRE Home Loan

Term  Loan  –  An  additional  20  bps  premium  will  be added to the applicable home loan (TL) ROI.
Maxgain – An additional 50 bps premium will be added to the applicable home loan (TL) ROI.

Privilege Scheme & Shaurya Scheme

5 bps concession over applicable home loan rates if Maintaining salary a/c with SBI under salary packages. (Subject to Effective rate NOT below EBR, presently 6.65%).

Realty Loans

CIBIL Score

CRP

ER

>=800

EBR + 0.30%

6.95%

750 – 799

EBR + 0.40%

7.05%

700 – 749

EBR + 0.50%

7.15%

650 – 699

EBR + 0.60%

7.25%

550 – 649

EBR + 0.70%

7.35%

NTC

EBR + 0.50%

7.15%

<550

Not eligible

Step up CRP based on Credit score-

Tribal Plus

(No change) An additional 10 bps will be added to the final rate.

Home loan to Kerala Govt

(No change)EBR+15 bps ER : 6.80%

Apon Ghar

(No change)
The rate applicable will be as applicable to the beneficiaries of SBI Privilege Scheme.

Suraksha Loans

(No change) Same rate as applicable to underlying home loan account

RML

(No change)
For Public: EBR + 240 bps ER: 9.05% For SBI staff Pensioners : EBR + 140 bps ER : 8.05%

EMD

(No change) EBR + 380 bps ER : 10.45%

Flexipay, NRI, PMAY,Differential Offerings

As per Home Loans rates

All Loan
Limits

Increment /zasez/ on current CIBIL score as under :

Upto Rs 20 lacs) – NA

Not below the underlying home loan rate

Loan amt >= 20 lacs & upto Rs 2 crs –
30 bps over applicable TL top Up Rate
{ER 7.35%  to 7.95 %}

Current CIBIL score

Increment 

ER

(loan a6ove Rs 2 cr) — NA

>=800

EBR + 40 bps

7.50%

750 to 799

EBR + 50 bps

7.15%

700 to 749

EBR + 60 bps

7.25%

650 to 699

EBR + 70 bps

7.35%

550 to 649

EBR + 100 bps

7.65%

<550

Not eligible

CRP

ER

CRP

 ER

Yono Insta Top Up

NA

NA

EBR + 50 bps + Convenience fee 10 bps

7.25%

Insta Home top up

Smart Top Up

EBR+ 60 bps

7.25%

EBR + 100 bps

7.65%

All Loan Limits irrespective of Salaried / Non- Salaried and residential /  commercial property etc

Credit  score

Step up CRP

Effective Rate

>=800

EBR + 175 bps

ER 8.40 %

750 —799

EBR + 185 bps

ER 8.50 %

700-749

EBR + 185 bps

ER 8.60 %

650-699

EBR + 205 bps

ER 8.70 %

550 — 649

EBR + 215 bps

ER 8.80 %

NTC / No CIBIL score /-1

EBR + 195 bps

ER 8.60 %

<550

Not eligible