SBI cuts repo-linked home loan rate by 20 bps to 7.75% for CIBIL >750, effective October 12, 2025. On ₹80 L, 20-year loan, EMI reduces from ₹69,313 to ₹65,931, saving ₹3,382/month and ₹8.1 L total interest.

Eligibility: CIBIL score ≥750, minimum income ₹50,000/month, property RERA registered. Special offer: Processing fee waived till November 15, 2025, saving ₹10,000-15,000. Comparison: vs current market rate 8.2-8.4%, SBI offers 45-65 bps advantage.

Switch analysis: Break-even at 8.2% existing rate, savings significant for >10 years remaining. Documentation: KYC, income proof, property documents, CIBIL report. Disbursement: 7-10 days post approval. Keywords: SBI home loan 7.75%, repo-linked rate, processing fee waiver.