State Bank Of India

State Bank of India (SBI) has offered a bonanza to its existing home-loan customers under which customer can take personal, or top-up, loans at the same rate that they are paying on home loans under a limited-period offer from the nation’s top lender.

Moreover, an existing borrower can take a personal loan at 10.15%, provided he had been paying his home loan EMIs on time. For women, this will be even cheaper at 10.10%. The rates imply a 0.35-0.40 percentage point cut in the top-up loan rates that SBI has been charging.