Home Home Loan News What is the list of the home loan rates of interest year-wise since 2003?

What is the list of the home loan rates of interest year-wise since 2003?

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list of the home loan rates of interest year-wise

Interest Rates of Home Loans wef 01/03/1994  TO 05/10/2015
From dd/mm/yyyy To dd/mm/yyyy SBAR up to Rs 25000 > Rs25000 up to <Rs 2 lacs > Rs 2 lacs up to Rs 3 lacs >Rs 3 lacs up to Rs 5 lacs >Rs 5 lacs up to 10 lacs >Rs 10 lacs up to 15 lacs > Rs 15 lacs
01-03-1994 17-10-1994 15.00% 12.50% 14.50% 15.00% 16.00% 16.00% 16.00% 16.00%
18-01-1994 28-02-1995 14.00% 12.50% 14.00% 15.00% 16.00% 16.00% 16.00% 16.00%
01-03-1995 30-04-1995 15.00% 12.50% 14.00% 16.00% 17.25% 17.25% 17.25% 17.25%
01-05-1995 09-11-1995 15.50% 12.50% 14.00% 16.50% 17.75% 17.75% 17.75% 17.75%
10-11-1995 30-09-1996 16.50% 12.50% 14.00% 17.75% 18.75% 18.75% 18.75% 18.75%
01-10-1996 31-12-1996 15.50% 12.50% 14.00% 16.50% 17.75% 17.75% 17.75% 17.75%
01-01-1997 31-03-1997 14.50% 12.50% 14.00% 16.50% 17.00% 17.00% 17.00% 17.00%
01-04-1997 30-06-1997 14.00% 12.24% 13.77% 16.32% 16.57% 16.57% 16.57% 16.57%
01-07-1997 31-10-1997 13.50% 12.24% 13.77% 15.81% 16.06% 16.57% 16.57% 16.57%
01-11-1997 21-01-1998 13.00% 12.24% 13.26% 15.30% 15.55% 16.06% 16.06% 16.06%
22-01-1998 01-04-1998 14.00% 12.24% 13.77% 16.32% 16.57% 17.08% 17.08% 17.08%
02-04-1998 30-04-1998 13.50% 12.24% 13.77% 15.81% 16.06% 16.57% 16.57% 16.57%
01-05-1998 30-06-1998 13.00% 12.24% 13.26% 15.30% 15.55% 16.06% 16.06% 16.06%
01-07-1998 28-02-1999 13.00% 12.24% 13.26% 14.28% 14.28% 15.30% 15.30% 15.30%
01-03-1999 31-01-2000 12.00% 12.24% 12.24% 13.26% 13.26% 14.28% 14.28% 14.28%
01-02-2000 10-05-2000 12.00% 12.24% 12.24% 13.26% 13.26% 13.77% 14.28% 14.79%
From To SBAR Up to 5 years > 5 years up to 10 years above 10 years
11-05-2000 11-08-2000 11.50% 11.50% 12.50% 12.75%
12-08-2000 18-02-2001 12.00% 12.00% 13.00% 13.25%
19-02-2001 16-03-2001 12.00% 12.00% 13.00% 13.25%
17-03-2001 31-03-2001 12.00% 12.00% 12.50% 12.50%
01-04-2001 14-09-2001 12.00% 12.00% 12.50% 12.50%
15-09-2001 31-12-2001 12.00% Floating 12.00% 12.00% 12.00%
Fixed above 10 years 12.00% 12.00% 12.50%
01-01-2002 31-03-2002 12.00% Floating 11.50% 11.50% 11.50%
Fixed above 10 years 12.00% 12.00% 12.50%
From To SBMTLR Up to 5 years > 5 years up to 10 years above 10 years
01-04-2002 30-06-2002 11.50% Floating 10.50% 11.00% 11.00%
Fixed 10.75% 11.25% 11.50%
01-07-2002 15-08-2002 11.50% Floating 10.00% 10.50% 11.00%
Fixed 10.25% 10.75% 11.25%
16-08-2002 31-01-2003 11.25% Floating 9.75% 10.25% 10.75%
Fixed 10.00% 10.50% 11.00%
01-11-2002 31-01-2003
01-02-2003 04-05-2003 11.25% Floating 9.00% 9.00% 9.50%
Fixed 9.25% 9.25% 9.75%
05-05-2003 15-06-2003 11.00% Floating 8.75% 8.75% 9.25%
Fixed 9.00% 9.00% 9.50%
16-06-2003 30-09-2003 11.00% Floating 8.00% 8.75% 9.25%
Fixed 8.25% 9.00% 9.50%
01-10-2003 31-12-2003 11.00% Floating 7.75% 8.25% 8.50%
Fixed 8.00% 8.50% 8.75%
01-01-2004 –   PB/19A/1002  dt. January 7, 2004 28-11-2004 SBAR 10.25% Floating 7.50% 8.00% 8.25%
Fixed 8.00% 8.75% 9.00%
From To SBAR Up to 5 years > 5 up to 15 years above 15 years
29-11-2004 -PB/HL/IR/ 1092 dt. 27th  November 2004 28-02-2006 10.25% Floating 8.00% 8.50% 8.75%
Fixed 8.50% 9.00% 9.25%
From To SBAR Up to 5 years > 5 up to 10 years > 10 up to 15 years above 15 years
01-03-2006 PBBU/HL/IR/ 585  dt. 21st February 2006 30-04-2006 10.25% Floating 8.50% 8.75% 9.00% 9.25%
Fixed 9.25% 9.50%
From To SBAR Upto 5 years  5 years to 10 years 10 years to 15 years 15 years to 20 years
01-05-2006 -No.PBBU/HL/IR/45   dt.29.4.2006 01-08-2006 Floating 10.75% 8.75% 9.25% 9.25% 9.75%
Fixed 9.50% 9.75%
02-08-2006 – PBBU/HL/IR/269 dt.2nd  August 2006 11-02-2007 Floating 11.00% 9.00% 9.50% 10.00% 10.00%
Fixed 9.75% 10.00%
From To SBAR Upto 5 years  5 years to 15 years 15 years to 20 years
12-02-2007 – No.PBBU/HL/IR/606  Date : 10th February, 2007 19-02-2007 Floating 11.50% 9.50% 10.00% 10.00%
Fixed 11.50% 11.50%
SBAR Upto 5 years 5 years to 20 years Upto 10 years
20-02-2007 – No.PBBU/HL/IR/628  Date : 20th Feb. 2007 08-04-2007 Floating 12.25% 10.25% 10.75%
Fixed 12.25%
09-04-2007 – No.PBBU/HL/IR/13  Date : 9th April, 2007 16-02-2008 Floating 12.75% 10.75% 11.25%
Fixed 12.75%
08-10-2007 31-12-2007 upto 5 years 5 yrs to 15 yrs 15 yrs to 20 yrs Fixed
Up to 20 lac 12.75% 10.00% 10.25% 10.50% 12.75%
above 20 lac 10.25% 10.50% 10.75% 12.75%
Floating SBAR upto 5 years 5 yrs to 15 yrs 15 yrs to 20 yrs Fixed
17-2-2008 – Cir. No.PBBU/HL/IR/44  Date : 14th February 2008 26/6/2008 Up to 20 lac 12.50% 10.00% 10.25% 10.50% 12.75%
above 20 lac 10.25% 10.50% 10.75% 12.75%
27-02-2008 SBAR CHANGE 12.25%
27-06-2008 – No.PBBU/HL/IR/18 DT.27.6.2008 11-08-2008 upto Rs 30 lac 12.75% 10.50% 10.75% 11.00% 12.75%
above 30 lac 10.75% 11.00% 11.25% 12.75%
12-08-2008 – Cir. No. PBBU/HL/IR/22 Dated 13th August 2008 02-09-2008 upto Rs 30 lac 13.75% 10.50% 10.75% 11.00% 12.75%
Above 30 Lacs 11.75% 12.00% 12.25% 13.75%
03-09-2008 – Cir. No. PBBU/HL/IR/23 Dated 2nd September 2008 09-11-2008 upto Rs 30 lac 13.75% 10.50% 10.75% 11.00%
Rs 30 lac to 75 lacs 11.75% 12.00% 12.25%
Above 75 lacs 11.75% 12.00% 12.50%
SBAR upto 5 years 5 yrs to 15 yrs 15 yrs to 25 yrs
10-11-2008 – Cir. No. PBBU/HL/IR/31 Dated – 8th November 2008 31-12-2008 upto Rs 30 lac 13.00% 9.75% 10.00% 10.25% 12.00%
Rs 30 lac to 75 lacs 11.00% 11.25% 11.50% 13.00%
Above 75 lacs 11.00% 11.25% 11.75% 13.00%
01-01-2009 – PBBU/HL/IR/ 42 DT.29th December 2008 28/6/2009 upto Rs 30 Lacs 12.25% 9.75% 10.00% 10.25% 11.25%
Rs 30 lac to 75 lacs 10.25% 10.50% 10.75% 12.25%
Above 75 lacs 10.25% 10.50% 11.00% 12.25%
Cir.No. PBBU/HL/AX/46 DT.31.01.2009 SBI Happy-Home Loan Offer & SBI Lifestyle Loan w.e.f 2nd February 2009 to 30th April, 2009
Cir.No. PBBU/HL/PM/02 DT.27.04.2009  – Extension upto 30th September 2009
29-06-2009 upto Rs 30 Lacs 11.75% 9.25% 9.50% 9.75% 10.75%
Rs 30 lac to 75 lacs 9.75% 10.00% 10.25% 11.75%
Above 75 lacs 9.75% 10.00% 10.50% 11.75%
02-02-2009 – PBBU/HL/AX/46 DT. 31.01.2009 SBI Happy Home Loan Offer 30-06-2009 SBI Happy Home Loan Offer 8% fixed for one year upto 30th April 2010 & extened upto 30th sep 2009 Fixed reset period 5 years
01-07-2009 – PBBU/HL/AX/04  DT. 23.06.2009 – Easy Home Loan 30-09-2009 SBI Easy Home Loan – Upto Rs.30 Lacs Int. Rate First year 8% p.a. & Fixed Int Rate for next two years 9% p.a. 4th year onwards 2% below SBAR
Fixed rate loan 1% below SBAR
01-07-2009 – Cir.No. PBBU/HL/PM/05 – Date:23rd  June, 2009 – Advantage Home Loan 30-09-2009 SBI Advantage Home Loan – Above Rs.30 Lacs Int. Rate First year 8% p.a. & Fixed Int Rate for next two years 9.5% p.a. 4th year onwards 1.5% below SBAR
Fixed rate loan 0.5% below SBAR
30.6.2009 Cir.No. PBBU/HL/PM/06 dt.23.06.2009 Spl HL Closed on 30th June 2009
29-6-2009 Cir. No. PBBU/HL/IR/08  dt 30th June 2009 07-08-2009 upto Rs 30 lac 11.75% 9.25% 9.50% 9.75% 10.75%
Rs 30 to 75 lac 9.75% 10.00% 10.25% 11.75%
Above Rs 75 lac 9.75% 10.00% 10.50% 11.75%
Cir:PBBU/HL/PM/20 DT.26.11.2009 – CRE HOME LOAN  INT. RATE = NORMAL RATE + 0.25% – ONLY TERM LOAN
08-08-2009 – SBI My Home Campaign ( 8th August 2009 to 7th November 2009) -Cir. No. PBBU/HL/PM/11 dt 05.08.2009 extnded by Cir. No. PBBU/HL/PM/17 dt.6th November 2009 upto 31.03.2010 31/3/2010 SBAR For first year Next 2 years 4 th year onwards (if opted for Floating) 4 th year onwards (if opted for Fixed) reset period 5yrs
SBI Easy upto 50 lacs 11.75% 8.00% 8.50% 2.75% below SBAR 1.25 % below SBAR with reset frequency of 5 years
SBI Advantage above 50 lacs 11.75% 8.00% 9.00% 1.75% below SBAR 0.75% below SBAR with reset frequency of 5 years .
01-04-2010 – Cir:PBBU/HL/PM/27 dated 28.03.2010 30-04-2010 SBAR For first year Next 2 years 4 th year onwards (if opted for Floating) 4 th year onwards (if opted for Fixed)
SBI Easy upto 50 lacs 11.75% 8.00% 9.00% 1.75% below SBAR, i.e. 10.00% 0.75% below SBAR, with a reset frequency of 5 years.
SBI Advantage above 50 lacs 8.00% 9.00% 1.75% below SBAR, i.e. 10.00% 0.75% below SBAR, with a reset frequency of 5 years .
01-05-2010 – Cir. No. PBBU/HL/PM/2 dt.29th April 2010 – EASY, ADVANTAGE HL 30/6/2010 SBAR For first year Next 2 years 4 th year onwards (if opted for Floating) 4 th year onwards (if opted for Fixed)
SBI Easy upto 50 lacs 11.75% 8.00% 9.00% 2.50% below SBAR 0.75% below SBAR, with a reset frequency of 5 years.
SBI Advantage above 50 lacs 8.00% 9.00% 2% below SBAR 0.75% below SBAR, with a reset frequency of 5 years .
01-07-2010 Cir. No. PBBU/HL/PM/10 dt.30th June 2010 – EASY, ADVANTAGE HL 30-09-2010 BASE RATE For first year Next 2 years 4 th year onwards (if opted for Floating) 4 th year onwards (if opted for Fixed)
SBI Easy upto 50 lacs 7.50% 8% 9% 1.75% above BR 3.50% above the Base Rate  reset freq 5 yrs
SBI Advantage above 50 lacs 7.50% 8% 9% 2.25% above BR 3.50% above the Base Rate  reset freq 5 yrs
01-10-2010 – Maxgain raised to Rs.1 Crore Cir. No. PBBU/HL/PM/22 dt.27th September 2010 20-10-2010 BASE RATE For first year Next 2 years 4 th year onwards (if opted for Floating) 4 th year onwards (if opted for Fixed)
SBI Easy upto 50 lacs 7.50% 8% 9% 1.75% above BR 3.50% above the Base Rate  reset freq 5 yrs
SBI Advantage above 50 lacs 7.50% 8% 9% 2.25% above BR 3.50% above the Base Rate  reset freq 5 yrs
21-10-2010 –  Cir. No. PBBU/HL/PM/26  dt. 26th October 2010 – Easy, Advantage 02-01-2011 7.60%
SBI Easy upto 50 lacs 7.60% 8% 9% 1.75% above BR 3.50% above the Base Rate  reset freq 5 yrs
SBI Advantage above 50 lacs 7.60% 8% 9% 2.25% above BR 3.50% above the Base Rate  reset freq 5 yrs
03-01-2011 – Cir.No. PBBU/HL/PM/40  Dt. 01st January, 2011 – Easy, Advantage, Premium HL 13-02-2011 -SBI Easy upto 30 lacs 8.00% 8.50% 9.25% 1.50% above Base Rate No Fixed Rate
SBI Advantage above 30 lacs upto 75 lacs 8.00% 8.50% 9.25% 1.75% above BR No Fixed Rate
SBI Premium above 75 Lacs 8.00% 1.75% above BR 1.75% above BR 1.75% above BR No Fixed Rate
Vanilla Home Loan on floating interest rate (New Loans): Upto Rs. 30.00 lacs 1.50% above Base Rate 9.50% p.a. 10.50%
Above Rs. 30.00 lacs and upto Rs. 75.00 lacs 1.75% above Base Rate 9.75% p.a. 11.25%
Above Rs. 75.00 lacs 1.75% above Base Rate 9.75% p.a.
14-02-2011 – Cir. No. PBBU/HL/IR/48 dt. 12th February 2011 – Easy, Advantage, Premium HL 31-03-2011 – SBI Easy upto 30 lacs 8.25% 8.75% 9.50% 1.50% above Base Rate
SBI Advantage above 30 lacs upto 75 lacs 8.75% 9.50% 1.75% above Base Rate
SBI Premium above 75 Lacs 1.75% above Base Rate 1.75% above Base Rate 1.75% above Base Rate
01-04-2011 – Cir. No. PBBU/HL/PM/55 dt. 31st March 2011 – Easy, Advantage, Premium, Premium Plus HL 30-04-2011 – SBI Easy upto 30 lacs 8.25% 8.75% 9.50% 1.50% above Base Rate
SBI Advantage above 30 lacs upto 75 lacs 8.25% 8.75% 9.50% 1.75% above Base Rate
SBI Premium above 75 Lacs to 5 crores 8.25% 1.75% above Base Rate 1.75% above Base Rate 1.75% above Base Rate
SBI Premium  plus above 5 Crores 8.25% 2.00% above Base rate 2.00% above Base rate 2.00% above Base rate
End of Teaser Rate regime. No fixed Interest Rates Home Loan Sanctions.
01-05-2011 – Cir. No. PBBU/HL/PM/3  dt. 20th April 2011 11-05-2011 -Upto Rs. 30.00 lacs 8.50% 1.00% above Base Rate 9.50% p.a. 11% – Fixed for old HL upto Rs.30 Lacs
Above Rs. 30.00 lacs and upto Rs. 75.00 lacs 8.50% 1.25% above Base Rate 9.75% p.a. 11.75% fixed rate for old HL loans above Rs.30 Lacs
Above Rs. 75.00 lacs 8.50% 1.75% above Base Rate 10.25% p.a.
12-05-2011 – Cir. No. RE/HL/IR/10  dt.12th May 2011 10-07-2011 – Upto Rs. 30.00 lacs 9.25% 1.00% above Base Rate 10.25% p.a. 11.75% – Fixed for old HL upto Rs.30 Lacs
Above Rs. 30.00 lacs and upto Rs. 75.00 lacs 9.25% 1.25% above Base Rate 10.50% p.a. 12.50% fixed rate for old HL loans above Rs.30 Lacs
Above Rs. 75.00 lacs 9.25% 1.75% above Base Rate 11.00% p.a.
11-07-2011 – Cir. No. RE/HL/IR/27  dt. 11th July 2011 12-08-2011 – Upto Rs. 30.00 lacs 9.50% 1.00% above Base Rate 10.50% p.a. 12.00% – Fixed for old HL upto Rs.30 Lacs
Above Rs. 30.00 lacs and upto Rs. 75.00 lacs 9.50% 1.25% above Base Rate 10.75% p.a. 12.75% fixed rate for old HL loans above Rs.30 Lacs
Above Rs. 75.00 lacs 9.50% 1.75% above Base Rate 11.25% p.a.
13-08-2011 – Cir. No. RE/HL/IR/30 dt. 12th August  2011 Upto Rs. 30.00 lacs 10.00% 0.75% above Base Rate 10.75% p.a. 12.50% – Fixed for old HL upto Rs.30 Lacs
Above Rs. 30.00 lacs and upto Rs. 75.00 lacs 10.00% 1.00% above Base Rate 11.00% p.a. 13.25% fixed rate for old HL loans above Rs.30 Lacs
Above Rs. 75.00 lacs 10.00% 1.25% above Base Rate 11.25% p.a.
21-04-2012 – Cir. No. RE/HL/PM/5 dt. 21st April 2012 Upto Rs. 30.00 lacs 10.00% 0.75% above Base Rate 10.75% p.a. 12.50% – Fixed for old HL upto Rs.30 Lacs
Above Rs. 30.00 lacs and upto Rs. 75.00 lacs 10.00% 1.00% above Base Rate 11.00% p.a. 13.25% fixed rate for old HL loans above Rs.30 Lacs
Above Rs. 75.00 lacs 10.00% 1.25% above Base Rate 11.25% p.a.
RE/HL/IR/21 dated 6th August 2012 Upto Rs 30 lacs 10.00% 0.25 % above Base Rate 10.25% No fixed Rate option
Above rs 30 lacs 10.00% 0.40% abobe Base rate 10.40%
RE/HL/IR/26 dated 20th September 2012 Upto Rs 30 lacs 9.75% 0.25 % above Base Rate 10.00% No fixed Rate option
Above rs 30 lacs 9.75% 0.40% abobe Base rate 10.15%
RE/HL/IR/47 dated 31/01/2013.(w.e.f. 04/02/2013) Upto Rs 30 lacs 9.70% 0.25 % above Base Rate 9.95% No fixed Rate option
Above rs 30 lacs 9.70% 0.40% abobe Base rate 10.10%
RE/HL/IR/22 dated 24th September, 2013 (w.e.f 1st October, 2013) Upto Rs 30 lacs 9.80% 0.30 % above Base Rate 10.10% No fixed Rate option
Above rs 30 lacs 9.80% 0.50% abobe Base rate 10.30%
RE/HL/IR/25 Date: 6th November, 2013 (w.e.f. 7th November, 2013) Upto Rs 30 lacs 10.00% 0.30 % above Base Rate 10.30% No fixed Rate option
Above rs 30 lacs 10.00% 0.50% abobe Base rate 10.50%
RE/HL/IR/29 Date: 19th December, 2013 (w.e.f. 20th Dec, 2013) Upto Rs 75 lacs 10.00% For Women : 0.10 % above Base Rate;   For Others 0.15% above Base Rate For Women :10.10% ; For Others : 10.15% No fixed Rate option
Above rs 75 lacs 10.00% For Women : 0.25 % above Base Rate;   For Others 0.30% above Base Rate For Women :10.25% ; For Others : 10.30%
RE/HL/IR/17 dated 25/08/2014 Women 10.00% 10 bps above BR 10.10% No fixed Rate option
Others 10.00% 15 bps above BR 10.15%
RE/HL/IR/4 dated 9/04/2015 Women 9.85% 10 bps above BR 9.95% No fixed Rate option
Others 9.85% 15 bps above BR 10.00%
RE/HL/IR/5 dated 13/04/2015 Women 9.75% at BR 9.85% No fixed Rate option
Others 9.85% 5 bps above BR 9.90%
NBG/PBU/HL-HOME LOANS/12/2015- 2016 dated 08.06.2015 Women 9.70% at BR 9.70% No fixed Rate option
Others 9.70% 5 bps above BR 9.75%
NBG/RE,H&HD-HL/19/2015 – 16 dated 03.10.2015 Women 9.30% 20 bps above BR 9.50% No fixed Rate option Current Rate of Interest
Others 9.30% 25 bps above BR 9.55%
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