Secured funding is one of the largest products across India and the loan provides on the lowest interest rates. Now SBI brings complete protection to customers from interest hike. They can choose the option of fixed interest rates in which offered rates do not change till the agreement remain on track for the secured loan tenure. SBI is the only bank who has the network of more than 15,000 branches across the country. The largest networks and huge FD fund base along with the millions of customers savings amount in their saving account & PPF account is the reason for the lower rate funding. For the same reason, SBI provides fixed interest rates option for all customers.