Home, auto and consumer loans may become costlier with the country's largest lender State Bank of India ,SBI, raising its lending rates by 0.20 per cent with effect from tomorrow.The bank has revised the base rate or the minimum lending rate to 10 per cent from 9.80 per cent, SBI said in a statement.At the same time, the Benchmark Prime Lending Rate was also raised by 0.20 per cent from 14.55 per cent to 14.75 per cent. The decision come a day after HDFC Bank raised the base rate by 0.20 per cent to 10 per cent. Earlier this month, SBI raised fixed deposit rate by 0.2per cent on select maturity.