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comparative study of sbi and hdfc bank home loan pdf

Hours after private lender HDFC lowered interest rates on home loans to 9.90 per cent, State Bank of India responded with a sharper cut, slashing home loan rates by 25 basis points to 9.85 per cent for new customers.

After the latest cuts, SBI consumers will be able to save Rs 540 per month on a home loan of Rs 30 lakh for 30 years.

SBI's offer comes with a catch though. New rate of 9.85 per cent is applicable only for women borrowers; others will have to pay 9.90 per cent on home loans. These rates apply for new loans, not existing customers.

SBI's decision to lower interest rates below HDFC's is likely to help the public sector lender increase its market share in the home loan segment, where HDFC is the biggest player. SBI's aggressive move could also trigger an interest rate war as India's big lenders look to lure new customers.

Competitive lowering of interest rates would benefit home loan consumers, who have been struggling under high EMIs for years.

Interest rates are likely to fall even further if the Reserve Bank cuts its lending rate in the coming months. The RBI has so far lowered its repo rate by 50 basis points this year, but analysts expect the central bank to ease further considering inflation is expected to remain soft because of falling crude prices.

Big lenders started cutting their base rates (minimum lending rates) last week after RBI Governor Raghuram Rajan pulled them up for not passing the benefits of lower rates to borrowers. SBI was the first to cut rates; on Tuesday, it lowered its base rate by 15 basis points to 9.85 per cent.

QUESTIONNAIRE ABOUT HDFC ANDSBI HOME LOAN