Archive · 26 Aug 2026
SBI Home Loan Portfolio Nears ₹10 Lakh Crore Milestone
State Bank of India expects its home loan business to become worth ₹10 lakh crore soon.
Its chairman said this could happen during the current quarter.
The bank already had more than ₹9 lakh crore in home loans last financial year.
SBI says many customers choose it because they trust its paperwork and pricing.
The bank has more than 460 centres to help people apply for housing loans.
Its chairman said home loans also support many other businesses connected to construction and real estate.
SBI is exploring ways to sell groups of home loans to investors through securitisation.
It also expects to receive about USD 10 billion through deposits from non-resident Indians and foreign investors.
SBI Chairman CS Setty expects the bank’s home loan portfolio to cross ₹10 lakh crore this quarter.
State Bank of India surpassed a ₹9 lakh crore portfolio during the previous financial year.
SBI has nearly 28% of India’s home loan market and more than 460 processing centres.
Setty attributed demand to transparent pricing, customer trust and builder due diligence.
SBI plans to complete a home-loan securitisation transaction this year to improve lending capacity.
- Who
- State Bank of India and its Chairman CS Setty.
- What
- SBI’s home loan portfolio is expected to cross ₹10 lakh crore, while the bank is also pursuing home-loan securitisation.
- When
- During the current quarter; the FCNR-B swap window is scheduled to close on August 31.
- Where
- India.
- Why
- Strong housing-loan demand, customer trust, transparent pricing and wider access are supporting SBI’s growth.
- Expected milestone
- SBI expects its home loan portfolio to cross ₹10 lakh crore this quarter.
- Previous portfolio
- The bank surpassed ₹9 lakh crore in home loans during the previous financial year.
- Market share
- SBI has nearly 28% of India’s home loan segment.
- Processing network
- SBI operates more than 460 home loan processing centres across India.
- Industry securitisation pool
- The outstanding home-loan securitisation pool is more than ₹30 lakh crore, according to Setty.
- Planned transaction
- SBI aims to complete one home-loan securitisation transaction this year.
- FCNR-B target
- Setty expects SBI to garner about USD 10 billion from non-resident Indians and foreign investors.