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<h1>SBI lending rates: schedule sets varying interest terms by loan type, tenure and concessions for students and locales.</h1> SBI lending rates are provided as a year by year schedule effective on specified April dates, categorised by loan product and tenure. The schedule sets differentiated interest terms across housing loan tenure bands, car loans with amount and term subbands, two wheeler, education (separate slabs by loan size), personal loans, and ESOP subscription loans. Footnotes clarify amount thresholds, metro/urban versus rural applicability, and targeted concessions such as reductions for girl students and scheme specific concessions.