State Bank Of Bikaner And Jaipur Home Loan Interest Rate at 8.50% to 9.45%

Note: Updated on July 2025, for latest interest rates, please visit bank website.

Calculate State Bank Of Bikaner And Jaipur Home Loan EMI Calculate EMI Now

About State Bank Of Bikaner And Jaipur

State Bank Of Bikaner And Jaipur is a public sector bank in india. State Bank Of Bikaner And Jaipur was founded on Jan. 1, 1963. It provides all the financial services to its customers like saving deposit, fixed deposit, recurring deposit, home loans, personal loan, car loan, education loan, gold loan, PPF account, lockers, netbanking, mobile banking, RTGS, NEFT, IMPS, E-Wallet, Atal Pension Yojana, Pradhan Mantri Jandhan Yojana, Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana and many more.

Find details about State Bank Of Bikaner And Jaipur which includes State Bank Of Bikaner And Jaipur Official Website, State Bank Of Bikaner And Jaipur ATMs accross the India, State Bank Of Bikaner And Jaipur Branches accross the India, State Bank Of Bikaner And Jaipur Contact Numbers, State Bank Of Bikaner And Jaipur official EmailID, State Bank Of Bikaner And Jaipur Headquarter and State Bank Of Bikaner And Jaipur Headquarter Address. Find State Bank Of Bikaner And Jaipur Home loan purpose, Eligibility, Margin, Repayment of Home Loan ,Security, Document Required for Home Loan from below.

Why State Bank Of Bikaner And Jaipur Home Loan?

1. State Bank Of Bikaner And Jaipur provides a range of Home Loan Schemes designed for different needs of customers
2. Interest Rate is very competitive and affordable
3. Minimal Documentation
4. It provides Flexible Repayment Options to the borrowers
5. Easy and fast approval & disbursal of home loans
6. Has dedicated team of well-experienced employees which also offer personalised service
7. 24/7 customer care service of State Bank Of Bikaner And Jaipur offers timely assistance to the customers

State Bank Of Bikaner And Jaipur Home Loan Purpose

1. For construction of house| flat;
2. For purchase of built house|flat.
3. For purchase of under construction house|flat from Housing Boards| Development Authorities| Co-operative Societies| Approved Private Builders| Projects.
4. For carrying out Additions to the house/flat.
5. For carrying out repairs| renovation | alterations| cost of furnishing to the house/flat.
6. For meeting cost escalation in the cases of under-construction flats to existing Housing Loan borrowers.
7. For purchase of land|plot for house building.

State Bank Of Bikaner And Jaipur Home Loan Eligibility

• The applicant must be an Indian citizen or a fully documented NRI. He, essentially, must be a Person of Indian Origin (PIO).
• The applicant's age must be in the range of 18 years and 70 years at the time of loan maturity.
• The applicant must be salaried or self-employed with a regular income.
• The applicant must earn more than the minimum required income.

State Bank Of Bikaner And Jaipur Home Loan Document Required

1. Duly filled and signed application form with photograph
2. Identity Proof- Aadhar Card, PAN Card, Passport, Driving License, Voter id card, ID-card issued by Government
3. Address Proof - Aadhar Card, Passport, Driving License, Voter id card, Electricity/ Telephone/ Post-Paid Mobile bill, Bank statement
4. Age Proof - Passport, Birth Certificate, PAN card, Driving License, Voter id card, Employee ID card (only for PSU/ Government employees), School/ College leaving certificate
5. Form 16
6. Latest 6 months salary slips for salaried persons
7. Bank Statement of last 6 months
8. Income Tax Returns (ITR) of last 3 years
9. Last 3 years CA Certified or Audited Balance Sheet and Profit & Loss Account
10. Processing fee Cheque
11. Copies of the title documents of the property and the approved plan
12. For Construction/ Renovation case, cost estimate from the Architect

Tax Benefits of availing State Bank Of Bikaner And Jaipur Home Loan

There are two types of tax benefits associated with home loan for Resident Indians:

Repayment of the Principal Amount: One can get a Tax rebate under section 80C of the Income Tax Act on whole amount repaid by him in a financial year, maximum upto Rs. 1,50,000/- each financial year (Increased from 1 Lakh to Rs. 1.5 Lakh in Budget 2014).

Repayment of the Interest on Home Loan: Tax Benefit on Home Loan for payment of Interest is allowed as a deduction under Section 24(1) of the Income Tax Act. One is eligible for a Tax Rebate of maximum of Rs. 2 lakh per financial year for home loan interest paid by him/her during that financial year.

State Bank Of Bikaner And Jaipur Home Loan Amount

Customised, depending upon applicant's income and repaying capacity, age, assets and liabilities, cost of the proposed house|flat etc.

Margin

10% to 25% of the loan amount

State Bank Of Bikaner And Jaipur Home Loan Repayment

Maximum 30 years or upto the age of 70 years , whichever is earlier.

Security

Equitable|registered mortgage of the property in question.

In Case of Prepayment of State Bank Of Bikaner And Jaipur Home Loan, will EMI change?

One can pre-pay State Bank Of Bikaner And Jaipur Home Loan without any prepayment charges as it allows prepayment at nil charges in case of floating rate home loans. If the borrower makes a prepayment, the outstanding balance of principal amount of his home loan reduces. Then in that case he has following 2 options:

1. He can continue with the existing and reduce the loan tenure
2. He can reduce the EMI and keep the loan tenure the same

Out of above 2 options, first option is more beneficial for the borrower as he pay less interest to the bank as the pay off home loan will be faster.

How to reduce your Home Loan EMI?

• Negotiate with your banker on lower interest rate
• Apply for longer tenure
• Give maximum amount as down payment
• Pre-pay loan amount
• Switch to another bank/ FI offering lower interest rate

Contact details of State Bank Of Bikaner And Jaipur, State Bank Of Bikaner And Jaipur SMS balance check number SMS banking, State Bank Of Bikaner And Jaipur mobile banking, State Bank Of Bikaner And Jaipur toll free number,State Bank Of Bikaner And Jaipur toll free number 24*7, State Bank Of Bikaner And Jaipur miss call number.

• MISSED CALL NUMBERS - 922376666
• CUSTOMER CARE NUMBERS - 18001806005
• CONTACT NUMBERS - 18001806005, 0141-5101570

State Bank Of Bikaner And Jaipur Contact Details

• BANK OFFICIAL WEBSITE - https://www.sbi.co.in
• CONTACT NUMBERS - 18001806005, 0141-5101570
• EMAIL ID - [email protected], [email protected], [email protected]
• MISSED CALL NO. - 922376666
• CUSTOMER CARE NO. - 18001806005
• TOTAL BRANCHES - 37007
• HEADQUARTER - Jaipur
• BANK ADDRESS - Head Office,Kempegowda Road,Bangalore - 560009 (Karnataka)

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