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SBI home loan interest rate 2019

SBI Home Loan Interest Rates

Highlights
Interest Rates 2019

** SBI home loan and balance transfer at zero processing fee.

** SBI home loan at 8.70% onwards.

HOME LOANS: FLOATING INTEREST CARD RATES W.E.F.12.03.2019

The mean interest rate for Home Loans for the quarter ended December 2018 is : 8.6979 .

(A)- HOME LOANS (TERM LOAN):

I. TERM LOANS UPTO RS 30 LACS(1-yr MCLR: 8.55%)

Revised Interest Rate
		Salaried Borrowers (%) :	Non-Salaried Borrowers (%) :
Women	LTV ≤ 80	1 Year MCLR+ 15 bps, ER:8.70	1 Year MCLR+ 30 bps, ER:8.85
Women	LTV > 80 and ≤ 90	1 Year MCLR+ 25 bps, ER:8.80	1 Year MCLR+ 40 bps, ER:8.95
Other	LTV ≤ 80	1 Year MCLR+ 20 bps, ER:8.75	1 Year MCLR+ 35 bps, ER:8.90
Other	LTV > 80 and ≤ 90	1 Year MCLR+ 30 bps, ER:8.85	1 Year MCLR+ 45 bps, ER:9.00

II. TERM LOANS ABOVE RS 30 LACS AND UPTO RS 75 LACS: (1-yr MCLR: 8.55%)

Revised Interest Rate
		Salaried Borrowers (%) :	Non-Salaried Borrowers (%) :
Women	RG-1, 2 ,3	1 Year MCLR+ 35 bps, ER:8.90	1 Year MCLR+ 50 bps, ER:9.05
Women	RG-4, 5, 6	1 Year MCLR+ 45 bps, ER:9.00	1 Year MCLR+ 60 bps, ER:9.15
Other	RG-1, 2, 3	1 Year MCLR+ 40 bps, ER:8.95	1 Year MCLR+ 55 bps, ER:9.10
Other	RG-4, 5, 6	1 Year MCLR+ 50 bps, ER:9.05	1 Year MCLR+ 65 bps, ER:9.20

III. TERM LOANS ABOVE RS 75.00 LACS – FLOATING RATE: (1-yr MCLR: 8.55%)

Revised Interest Rate
		Salaried Borrowers (%) :	Non-Salaried Borrowers (%) :
Women	RG-1, 2 ,3	1 Year MCLR+ 45 bps, ER:9.00	1 Year MCLR+ 60 bps, ER:9.15
Women	RG-4, 5, 6	1 Year MCLR+ 55 bps, ER:9.10	1 Year MCLR+ 70 bps, ER:9.25
Other	RG-1, 2, 3	1 Year MCLR+ 50 bps, ER:9.05	1 Year MCLR+ 65 bps, ER:9.20
Other	RG-4, 5, 6	1 Year MCLR+ 60 bps, ER:9.15	1 Year MCLR+ 80 bps, ER:9.35

(B)- MAXGAIN - FLOATING INTEREST CARD RATE:

I. Loans Above Rs 20.00 Lacs & Up to Rs 30.00 Lacs (1-yr MCLR: 8.55%)

Revised Interest Rate
		Salaried Borrowers (%) :	Non-Salaried Borrowers (%) :
Women	LTV ≤ 80	1 Year MCLR+ 20 bps, ER:8.75	1 Year MCLR+ 40 bps, ER:8.95
Women	LTV > 80 and ≤ 90	1 Year MCLR+ 30 bps, ER:8.85	1 Year MCLR+ 50 bps, ER:9.05
Other	LTV ≤ 80	1 Year MCLR+ 25 bps, ER:8.80	1 Year MCLR+ 45 bps, ER:9.00
Other	LTV > 80 and ≤ 90	1 Year MCLR+ 35 bps, ER:8.90	1 Year MCLR+ 55 bps, ER:9.10

II. MAXGAIN-LOANS ABOVE RS 30 LACS & Up to RS 75 LACS (1-yr MCLR: 8.55%)

Revised Interest Rate
		Salaried Borrowers (%) :	Non-Salaried Borrowers (%) :
Women	RG-1, 2 ,3	1 Year MCLR+ 45 bps, ER:9.00	1 Year MCLR+ 65 bps, ER:9.20
Women	RG-4, 5, 6	1 Year MCLR+ 55 bps, ER:9.10	1 Year MCLR+ 75 bps, ER:9.30
Other	RG-1, 2, 3	1 Year MCLR+ 50 bps, ER:9.05	1 Year MCLR+ 70 bps, ER:9.25
Other	RG-4, 5, 6	1 Year MCLR+ 60 bps, ER:9.15	1 Year MCLR+ 80 bps, ER: 9.35

III. MAXGAIN-LOANS ABOVE RS 75 LACS & UPTO RS 3 CRS- FLOATING RATE (1-yr MCLR: 8.55%)

Revised Interest Rate
		Salaried Borrowers (%) :	Non-Salaried Borrowers (%) :
Women	RG-1, 2 ,3	1-year MCLR +60 bps, ER:9.15	1 Year MCLR+ 80 bps, ER:9.35
Women	RG-4, 5, 6	1 Year MCLR+ 70 bps, ER: 9.25	1 Year MCLR+ 90 bps, ER:9.45
Other	RG-1, 2, 3	1 Year MCLR+ 65 bps, ER: 9.20	1 Year MCLR+ 85 bps, ER:9.40
Other	RG-4, 5, 6	1 Year MCLR+ 75 bps, ER: 9.30	1 Year MCLR+95 bps, ER:9.50

IV. MAXGAIN-LOANS ABOVE RS 3 CRS- FLOATING RATE: will be available to existing Home Loan customers only for switch over of their Home Loan accounts from Base Rate/SBAR/Higher interest rate linked to MCLR to the current Floating Interest card rate linked 1-year MCLR.(1-yr MCLR: 8.55%)

Revised Interest Rate
		Salaried Borrowers (%) :	Non-Salaried Borrowers (%) :
Women	RG-1, 2 ,3	1 Year MCLR+ 95 bps, ER:9.50	1 Year MCLR+ 115 bps, ER:9.70
Women	RG-4, 5, 6	1 Year MCLR+ 105 bps, ER: 9.60	1 Year MCLR+ 125 bps, ER:9.80
Other	RG-1, 2, 3	1 Year MCLR+ 100 bps, ER: 9.55	1 Year MCLR+ 120 bps, ER:9.75
Other	RG-4, 5, 6	1 Year MCLR+ 110 bps, ER: 9.65	1 Year MCLR+130 bps, ER:9.85

(C)- HOME TOP UP LOANS: CARD RATES:

I. INSTA HOME TOP UP LOAN (1-yr MCLR: 8.55%)

	Revised Interest Rate
Insta Home Top Up Loan (Rs.1 lac to Rs.5 lacs)	100 bps above 1-year MCLR, ER: 9.55%, irrespective of Risk Grades, gender and occupation.

II. HOME TOP UP LOANS (other than Insta Home Top Up Loans) WITHOUT EXTENSION OF MORTGAGE ON HOUSE PROPERTY:

Particulars	Salaried	Non - Salaried
Term Loan (Upto Rs 5.00 lacs)	1-year MCLR+ 100 bps, ER: 9.55	1-year MCLR+ 150 bps, ER: 10.05

Particulars

Salaried

Non - Salaried

Term Loan (Upto Rs 5.00 lacs)

1-year MCLR+ 100 bps, ER: 9.55

1-year MCLR+ 150 bps, ER: 10.05

III. HOME TOP UP LOANS (other than Insta Home Top Up Loans) WITH EXTENSION OF MORTGAGE ON HOUSE PROPERTY : (1-yr MCLR: 8.55%)

Home Top-up Term Loan
Revised Interest Rate
	Risk Grade	Salaried Borrowers (%) :	Non-Salaried Borrowers (%) :
Above Rs 5 lacs and upto Rs. 20lacs	1, 2 ,3	1 Year MCLR+ 45 bps, ER: 9.00	1 Year MCLR+ 60 bps, ER: 9.15
Above Rs 5 lacs and upto Rs. 20lacs	4, 5 ,6	1 Year MCLR+ 55 bps, ER: 9.10	1 Year MCLR+ 70 bps, ER: 9.25
Above Rs.20lacs and up to Rs.1crore	1, 2 ,3	1 Year MCLR+ 65 bps, ER: 9.20	1 Year MCLR+ 80 bps, ER: 9.35
Above Rs.20lacs and up to Rs.1crore	4, 5 ,6	1 Year MCLR + 75 bps, ER: 9.30	1 Year MCLR + 90 bps, ER: 9.45
Above Rs.1 crore and up to Rs.2crores	1, 2 ,3	1 Year MCLR + 85 bps, ER: 9.40	1 Year MCLR + 100 bps, ER: 9.55
Above Rs.1 crore and up to Rs.2crores	4, 5 ,6	1 Year MCLR + 95 bps, ER: 9.50	1 Year MCLR + 110 bps, ER: 9.65
Above Rs.2 crores and up to Rs.5crores	1, 2 ,3	1 Year MCLR + 130 bps, ER: 9.85	1 Year MCLR + 145 bps, ER: 10.00
Above Rs.2 crores and up to Rs.5crores	4, 5 ,6	1 Year MCLR + 140 bps, ER: 9.95	1 Year MCLR + 155 bps, ER: 10.10
Above Rs.5 crores	1, 2 ,3	1 Year MCLR+ 250 bps, ER: 11.05	1 Year MCLR+ 275 bps, ER:11.30
Above Rs.5 crores	4, 5 ,6	1 Year MCLR+ 300 bps, ER: 11.55	1 Year MCLR+325 bps, ER:11.80

HOME TOP UP TERM LOANS (other than Insta Home Top Up Loans) WITH EXTENSION OF MORTGAGE ON HOUSE PROPERTY ABOVE RS 5 CRORES : will be available to existing Home Loan customers only for switch over of their Home Loan accounts from Base Rate/SBAR/Higher interest rate linked to MCLR to the current Floating Interest card rate linked 1-year MCLR

Home Top-up Overdraft
Revised Interest Rate
	Risk Grade	Salaried Borrowers (%) :	Non-Salaried Borrowers (%) :
Overdraft above Rs 20 lacs and up to Rs 1 crore	1, 2 ,3	1 Year MCLR + 135 bps, ER: 9.90	1 Year MCLR + 150 bps, ER: 10.05
Overdraft above Rs 20 lacs and up to Rs 1 crore	4, 5 ,6	1 Year MCLR + 145 bps, ER: 10.00	1 Year MCLR + 160 bps, ER: 10.15
Overdraft above Rs.1 crore and up to Rs.2 crores	1, 2 ,3	1 Year MCLR + 160 bps, ER: 10.15	1 Year MCLR + 175 bps, ER: 10.30
Overdraft above Rs.1 crore and up to Rs.2 crores	4, 5 ,6	1 Year MCLR + 170 bps, ER: 10.25	1 Year MCLR + 185 bps, ER: 10.40
Overdraft above Rs.2 crore	1, 2 ,3	1 Year MCLR + 170 bps, ER: 10.25	1 Year MCLR + 185 bps, ER:10.40
Overdraft above Rs.2 crore	4, 5 ,6	1 Year MCLR + 180 bps, ER: 10.35	1 Year MCLR +190 bps, ER:10.45

HOME TOP UP OVERDRAFT LOANS (other than Insta Home Top Up Loans) WITH EXTENSION OF MORTGAGE ON HOUSE PROPERTY ABOVE RS 2 CRORES : will be available to existing Home Loan customers only for switch over of their Home Loan accounts from Base Rate/SBAR/Higher interest rate linked to MCLR to the current Floating Interest card rate linked 1-year MCLR

Pricing of home loans have already been migrated on Risk Scoring Model. Similarly, Pricing of SBI Realty Loans will be migrated on Risk Scoring Model of Home Loan. Interest Rate structure for SBI Realty Loan will be as under:

(a) For First Five Years :

1. For Loan up to Rs 30 lacs-Floating (1-yr MCLR: 8.55%)


	Salaried :	Non-Salaried :
Women	1-year MCLR+ 70 bps, ER: 9.25	1-year MCLR+ 80 bps, ER: 9.35
Others	1-year MCLR+ 75 bps, ER: 9.30	1-year MCLR+ 85 bps, ER: 9.40

2. For Loan Above Rs 30 lacs up to Rs 75 lacs-Floating (1-yr MCLR: 8.55%)


		Salaried	Non-Salaried
Women	RG 1-3	1-year MCLR+ 80 bps, ER: 9.35	1-year MCLR+ 90 bps, ER: 9.45
Women	RG 4-6	1-year MCLR+ 85 bps, ER: 9.40	1-year MCLR+ 95 bps, ER: 9.50
Others	RG 1-3	1-year MCLR+ 85 bps, ER: 9.40	1-year MCLR+95 bps, ER: 9.50
Others	RG 4-6	1-year MCLR+ 90 bps, ER: 9.45	1-year MCLR+100 bps, ER:9.55

3. For Loan Above Rs 75 lacs-Floating (1-yr MCLR: 8.55%)


		Salaried	Non-Salaried
Women	RG 1-3	1-year MCLR+ 90 bps, ER: 9.45	1-year MCLR+100 bps, ER: 9.55
Women	RG 4-6	1-year MCLR+ 95 bps, ER: 9.50	1-year MCLR+105 bps, ER: 9.60
Others	RG 1-3	1-year MCLR+ 95 bps, ER: 9.50	1-year MCLR+105 bps, ER: 9.60
Others	RG 4-6	1-year MCLR+100 bps, ER: 9.55	1-year MCLR+110 bps, ER: 9.65

Risk Scoring Model of Home Loan will be used for sanction of SBI Realty loans as well.

Product	Revised Interest Rate
CRE Home Loan	A premium of 50 bps over and above the interest rate applicable to Home Loan (TL/Maxgain) will be charged.
Earnest Money Deposit Scheme	3.40% above 1 Year MCLR, Effective Rate 11.95 % (1-Year MCLR=8.55%).
Tribal Plus Scheme	10 bps above home loan floating card interest rates are applicable
CRGFT Scheme	10 bps above home loan floating card interest rates are applicable
Reverse Mortgage Loan	For Public	1-year MCLR+2.00%, effective rate 10.55% p.a.
Reverse Mortgage Loan	SBI Pensioners	1-year MCLR+1.00%, effective rate 9.55% p.a.
Loan Against Property (LAP)- Salaried (where more than 50% of NMI is coming from salary income)	Upto Rs. 1crs	1-year MCLR+1.85%, effective rate 10.40% p.a.
	Above Rs. 1 cr & upto Rs. 2 crs.	1-year MCLR+2.35%, effective rate 10.90% p.a.
	Above Rs. 2 crs to Rs. 7.50 crs	1-year MCLR+2.80%, effective rate 11.35% p.a.
Loan Against Property (LAP)- Non-Salaried (where more than 50% of NMI is coming from Business/Profession or rental income)	Upto Rs. 1crs	1-year MCLR+2.50%, effective rate 11.05% p.a
	Above Rs. 1 cr & upto Rs. 2 crs.	1-year MCLR+3%, effective rate 11.55% p.a.
	Above Rs. 2 crs to Rs. 7.50 crs	1-year MCLR+3.30%, effective rate 11.85% p.a
Corporate Home Loan	CRA	Interest Rate
	SB-1 & SB-2	0.85% above 1-year MCLR, present effective rate: 9.40% p.a.
	SB-3 to SB-5	1.35% above 1-year MCLR, present effective rate:9.90% p.a
	SB-6 to SB-8	1.85% above 1-year MCLR, present effective rate:10.40% p.a.
	SB-9 & SB-10#	2.60% above 1-year MCLR, present effective rate:11.15% p.a.
	#Above SB-8 &up to SB-10, subject to prior approval for deviation in minimum CRA by the Competent Authority.
	Interest rate will be linked to 1-year MCLR and will be re-set at the end of every year from the date of first disbursement on the basis of prevailing one-year MCLR as on the date of reset. Interest Rates based on CRA, irrespective of the loan amount will be as mentioned above
SBI Bridge Home Loan	For First year : 2.45% above 1-year MCLR, current effective rate 11.00% p.a. During second year : 3.45% above 1-year MCLR, current effective rate 12.00% p.a. The interest rate in the account will be automatically reset at the end of first year from the date of first disbursement on the basis of prevailing one-year MCLR as on the date of reset.
SBI Privilage and Shaurya Schemes	(a) Where check-off facility is provided by the Government Department / Defense Establishment under tie-up with our Bank – 1) For Loan up to Rs 30 lacs: Interest rate applicable to women will be applicable to men/others also after taking into consideration the rate applicable based on the LTV Ratio 2) For Loan Above Rs 30 lacs: Interest rate applicable to women will be applicable to men/others also after taking into consideration the rate applicable based on the Risk Grade and limit. (b) Where check-off facility is not available – Interest rates as applicable to others category will be applicable after taking into consideration the LTV Ratio, Risk Grade, gender and limit.

CIBIL Score Status Online

What is a CIBIL credit report?

Credit Information Bureau (India) Limited, commonly known as CIBIL, is India’s first Credit Information Company or Credit Bureau. It maintains records of all credit-related activity of individuals and companies including loans and credit cards. The records are submitted to CIBIL by registered member banks and other financial institutions on a periodic (usually monthly) basis. Based on this data, CIBIL issues a Credit Information Report or CIR (commonly referred to as a credit report) and a credit score.

CIBIL collects and maintains records of the credit-related transactions of individuals as reported by their lenders (whether banks, NBFCs or credit card companies). This information could include details of all loan and credit card repayments including any late or missed payments; details of enquires made by lenders on loan or credit card applications made in the past; all current loans and credit cards; total credit limit; and other such credit-related information.

Your CIBIL TransUnion Score ranges between 300 and 900.
79% of the loans approved are for individuals with a score greater than 750.
Higher your CIBIL TransUnion Score, higher are your chances of Loan Approval.

A good credit score of 750 or above will enable you to avail of:

1. Low interest rate
2. Higher loan amount
3. Longer tenure
4. Quicker approval process
5. Higher credit limit on your card

PLANNING TO APPLY FOR A LOAN OR CREDIT CARD ANYTIME SOON; CHECK YOUR CREDIT SCORE FIRST!

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IBPS Clerk 2017 Exam dates

IBPS Clerk 2017 Notification

IBPS (Institute of Banking Personnel Selection) conducts a common written exam or CWE every year for the clerical cadre in multiple banks all over the country. All public sector banks use CWE as a base to fill the vacancies for this post.

IBPS is conducting Clerk exam for the seventh year now and hence named IBPS Clerk CWE VII. The IBPS Clerk CWE exam is conducted on two levels- preliminary exam and mains. Students qualifying in both these exams are thus selected for the post.

IBPS has released the IBPS Clerk 2017-18 notification for the recruitment of Clerks. IBPS Clerk 2017 is going to be an opportunity for those who have not been able to get through SBI and other Bank Recruitment Exams. The Online Registration for IBPS Clerk 2017 will start tentatively from 12th September 2017. Last date to apply online for IBPS Clerk 2017 exam is 03rd October 2017. IBPS has introduced 7883 vacancies for IBPS Clerk 2017 Exam.
Government Notification

State and Union wise Vacancies

Andhra Pradesh - 485, Arunachal Pradesh - 08, Assam - 109, Bihar - 227, Chandigarh - 34, Chhattisgarh - 118, Dadra & Nagar Haveli - 07, Daman & Diu - 08, Delhi - 272, Goa - 41, Gujarat - 487, Haryana - 175, Himachal Pradesh - 73, Jammu & Kashmir - 34, Jharkhand - 127, Karnataka - 554, Kerala - 217, Lakshadweep - 02, Madhya Pradesh - 290, Maharashtra - 775, Manipur - 11, Meghalaya - 17, Mizoram - 03, Nagaland - 12, Odisha - 196, Puducherry - 46, Punjab - 401, Rajasthan - 344, Sikkim - 11, Tamil Nadu - 1277, Telangana - 344, Tripura - 18, Uttar Pradesh - 665, Uttarakhand - 78, West Bengal - 417.

Age : 20 to 28 Years as on 01/09/2017 (i.e. A candidate must have been born not earlier than 02.09.1989 and not later than 01.09.1997 (both dates inclusive))

Total Vacancies :7883

IBPS Clerk 7 Participating Banks:

Allahabad Bank	Canara Bank	Indian Overseas Bank	UCO Bank
Andhra Bank	Central Bank of India	Oriental Bank of Commerce	Union Bank of India
Bank of Baroda	Corporation Bank	Punjab National Bank	United Bank of India
Bank of India	Dena Bank	Punjab & Sind Bank	Vijaya Bank
Bank of Maharashtra	Indian Bank	Syndicate Bank	-

Application Fee:

₹ 100/- for SC/ST/PWD/EXSM candidates, ₹ 600 /- for all others. The fee can be made through Online Payment Mode by using Debit Cards (RuPay/Visa/MasterCard/Maestro), Credit Cards, Internet Banking, IMPS, Cash Cards/ Mobile Wallets.

Start Date for On-line Registration –> 12/09/2017
Closing Date for On-line Registration –> 03/10/2017
Payment of Application Fees/Intimation Charges (Online) -> 12/09/2017 to 03/10/2017
Download of call letters for Pre-Exam Training -> November 2017
Conduct of Pre-Exam Training -> 13/11/2017 to 18/11/2017
Download of call letters for online examination - Preliminary -> November 2017
Preliminary Online Examination -> 02/12/2017, 03/12/2017, 09/12/2017 and 10/12/2017
Declaration of Preliminary Online Exam Result -> December 2017
Download of Call letter for Online Main Exam -> January 2018
Main Online Examination -> 21/01/2018
Provisional Allotment -> April 2018

How To Apply: Eligible Indian National Candidates can apply online through IBPS Online Portal from 12/09/2017 to 03/10/2017. For any enquiries contact Toll Free Helpline Number - 1800222366 (Available from 09:30 AM to 06:00 PM). For any queries regarding registration kindly email to registration_helpdesk@ibpsorg.org.

After completing the procedure of applying online application including payment of application fees / intimation charges, the candidate should take a printout (Hard-copy) of Computer Generated registered Online Application Form, ensure the particulars filled in are accurate and retain it along with Registration Number and Password for future reference.