SBI 🛕 Patna Rate8.5% Branches165+ SBI Home Loan in Patna 🛕
SBI home loan in Patna: 8.25-9.4% (typical 8.5%) with 165+ city branches. Patna average ticket ₹28.00 L at 8.5% over 20 years = ₹24,299/month EMI. Bihar stamp duty: ~₹2.24 L. Disbursal: 3-5 days for pre-approved Bihar govt and AIIMS, 10-14 days for fresh applications.
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SBI in Patna SBI's Patna position.
State Bank of India dominates Patna as Bihar capital PSU with 165+ branches and Local Head Office at Gandhi Maidan covering Bihar and Jharkhand circle. SBI serves Bihar Government Secretariat, Patliputra IT Park tenants, AIIMS Patna, and Patna High Court. The Gandhi Maidan LHO and Bailey Road branches process 65%+ of Patna government employee mortgages with deep Bihar government tie-ups.
SBI's top employers in Patna.
For salary account holders at these Patna employers, SBI typically offers pre-approved home loan offers within 30-45 days of consistent credit. Disbursal: 3-5 days for pre-approved Bihar govt and AIIMS, 10-14 days for fresh applications.
₹28.00 L SBI home loan in Patna at 8.5% over 20 years
₹28.00 L 8.5% 20 years (240 months) ₹24,299 ₹30.32 L ₹58.32 L ₹2.24 L 0.35% of loan amount (min ₹2,000, max ₹10,000 for home loans)
SBI Patna home loan FAQ.
What is SBI home loan rate in Patna for Bihar Government Secretariat and AIIMS Patna employees? ▾
SBI offers home loans in Patna at 8.40-9.00% with Bihar Government Secretariat employees getting preferential rates of 8.40-8.55% under SBI MaxGain scheme. AIIMS Patna, NIT Patna, and IIT Patna faculty qualify for 8.40-8.50% under SBI Academia and Medical Professional scheme. The Gandhi Maidan LHO branch processes 65% of Patna government employee mortgages with average ticket size of Rs 50 lakh for Bailey Road, Boring Road, and Patliputra Colony properties.
SBI vs PNB home loan in Patna — which is better for Bihar Government employees? ▾
For Bihar Government employees in Patna, SBI (8.40-9.00%) has Gandhi Maidan Local Head Office advantage covering Bihar and Jharkhand circle with widest Patna branch network. PNB (8.40-9.00%) matches headline rate with quasi-state status and Pride scheme 5 bps concession. SBI dominates AIIMS Patna and IIT Patna academic faculty segment with on-campus branches.
Can AIIMS Patna doctor get SBI home loan in Patliputra Colony at 8.40 percent with woman co-applicant? ▾
Yes, SBI Patna AIIMS campus and Patliputra branches offer home loans to AIIMS Patna doctors and faculty at 8.40-8.50% under SBI Medical Professional scheme. Woman co-applicant gets additional 5 bps concession bringing rate to 8.35-8.45% under SBI Her Ghar scheme. Average ticket size is Rs 45-85 lakh for Patliputra Colony, Bailey Road, Boring Road, and Rajendra Nagar properties with 90% LTV.
What is SBI MaxGain home loan and is it worth it? ▾
SBI MaxGain is an overdraft-linked home loan: you have a current account linked to the loan, and any surplus you park in it reduces the interest-charging principal daily. Excellent for businesspeople with variable cash flow. The catch: you must maintain the account actively, and there's an additional ~25 bps rate premium vs Regular Home Loan.
