India’s largest lenders, State Bank of India (SBI) and HDFC Bank, have unveiled updated festive spreads for prime retail borrowers. Borrowers with a CIBIL score of 750 and above can now avail of special floor rates starting at 8.35% per annum, along with reduced administrative charges. ### Key Concessions Announced: - 20 bps interest rate reduction for salaried borrowers with pristine credit records. - Additional 5 bps concession when a woman is the primary or secondary property owner. - Fast-track digital verification and in-principle sanction in under 24 hours. Borrowers can check and compare these live offers directly through the MakaanLoan portal.