State Bank of India kept its lending rates unchanged for November 2025, offering stability for borrowers across home loans, personal loans and business credit. The bank’s Marginal Cost of Funds Based Lending Rate (MCLR) continues to range between 7.90% and 8.85% , depending on tenure. Home loan interest rates remain competitive at 7.50% to 8.70% , benefiting salaried and self-employed borrowers looking for predictable EMIs. Analysts note that SBI’s rate stability helps maintain affordability at a time when global interest cycles remain uncertain and inflation pressures are easing domestically.