• SHWETHA P BHAT
• Dr Prasad Mahale

Purpose: The largest mortgage lender in India is SBI Home Loans, which has aided over 30 lakh households in realizing their dream of buying a home. Considering this, the study attempted to do an in-depth analysis of SBI housing loans by considering its Strengths, Weaknesses, Opportunities and threats. To research enlightened various housing finance programs the State Bank of India. Design/Methodology/Approach: Secondary data have been added to the current analysis. The data was gathered from a number of publications, journals, and State Bank of India and Reserve Bank of India reports that were released. For the study, information was also gathered from several websites. Findings/Result: The largest commercial bank in terms of assets, deposits, branches, clients, and personnel is the State Bank of India. The majority of individuals think that home loans are an appropriate investment because they are aware of the advantages and services connected with them. Due to the increased need for housing, there has been an increase in the demand for home loans in India. More home loans are attracted by interest rates than by programs or other services. The SBI facilities are dependable. Practical Implication: The research enlightens the overview of SBI Home Loan programs. It also acts as a source an information for the customers to understand the depth of SBI home loans to understand various SBI Home loan programs. The in-depth overview of SBI will guide the Bankers, RBI & and policymakers to work on the Weaknesses. Originality/Value: As a secondary data-based study it may provide an overall view of Home Loans and may help the policymakers and bankers to promote growth; But to understand the concept of customer perception it is essential to conduct a Primary survey, hence it acts as a limitation of the study. Paper Type: Case Study

Home Loans, Housing Finance Industry, Housing Loan Management, Housing Finance Schemes, Reserve Bank of India

"A STUDY ON SBI HOUSING LOAN AN OVERVIEW", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 12, page no.e618-e627, December-2023, Available :http://www.jetir.org/papers/JETIR2312476.pdf

"A STUDY ON SBI HOUSING LOAN AN OVERVIEW", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 12, page no. ppe618-e627, December-2023, Available at : http://www.jetir.org/papers/JETIR2312476.pdf