SBI Home Loan Portfolio Set to Cross ₹10 Lakh Crore This Quarter: Chairman CS Setty

New Delhi, August 26, 2026: State Bank of India (SBI), the country’s largest lender, is on track to cross a major milestone in its home loan business.

SBI Chairman C S Setty said the bank’s home loan portfolio is expected to cross ₹10 lakh crore during the current quarter. He attributed the expected growth to strong demand for housing finance.

The lender had already crossed the ₹9 lakh crore mark during the previous financial year. Setty said SBI should reach the ₹10 trillion milestone during this quarter.

SBI Holds Strong Position in Home Loans

SBI currently commands nearly 28% of India’s home loan market, according to Setty. The bank has focused on expanding access to housing finance across the country.

The lender operates more than 460 home loan processing centres across India. This network allows SBI to serve customers in a wide range of locations.

Setty also highlighted customer trust and transparency in pricing as important factors behind SBI’s strong position. He said the bank places emphasis on documentation and due diligence related to builders.

Home Loans Seen as Key Driver of Economic Activity

The SBI chairman said housing finance has an impact beyond the banking sector.

According to Setty, more than 200 industries are linked to commercial and residential real estate. These include construction, building materials, furnishings and several related services.

He therefore described home loans as an important part of India’s broader economic growth rather than simply another banking product.

SBI Looks at Home Loan Securitisation

SBI is also examining ways to make its mortgage assets more liquid through securitisation.

Setty said the outstanding home loan securitisation pool across the industry is above ₹30 lakh crore. However, mortgage assets in India remain relatively illiquid compared with some global markets.

SBI is working with investors on possible structures and maturities. The bank is keen to complete a transaction in this space during the current year.

Such transactions could help SBI recycle capital and create additional lending capacity.

What the ₹10 Lakh Crore Milestone Means

Crossing ₹10 lakh crore would reinforce SBI’s position as a dominant player in India’s housing finance market.

The milestone also comes amid sustained demand for residential property and housing credit. SBI’s expanding mortgage book reflects the bank’s continued focus on retail lending.

For borrowers, SBI’s nationwide network and large home loan operation make it one of the most significant players in India’s housing finance ecosystem.

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SBI Home Loan Portfolio to Cross ₹10 Lakh Crore This Quarter

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SBI Chairman CS Setty says State Bank of India’s home loan portfolio is set to cross ₹10 lakh crore this quarter amid strong housing loan demand.

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