State Bank of India Home Loan EMI Calculator
Calculate EMI for State Bank of India home loan at the current 8.4% rate.
Loans & EMI🇮🇳India · FY 2026-27Reviewed No sign-up · Runs in your browser
Loan Details
₹50,00,000
8.4%
20yrs
Results
Your Monthly EMI
₹43,075
Principal
₹50,00,000
Total Interest
₹53,38,054
Total Payment
₹1,03,38,054
Principal
Interest
Yearly Amortization Schedule
| Year | Principal Paid | Interest Paid | Balance |
|---|---|---|---|
| 1 | ₹1,00,722 | ₹4,16,181 | ₹48,99,278 |
| 2 | ₹1,09,516 | ₹4,07,387 | ₹47,89,762 |
| 3 | ₹1,19,078 | ₹3,97,825 | ₹46,70,684 |
| 4 | ₹1,29,475 | ₹3,87,428 | ₹45,41,210 |
| 5 | ₹1,40,779 | ₹3,76,124 | ₹44,00,430 |
| 6 | ₹1,53,071 | ₹3,63,832 | ₹42,47,360 |
| 7 | ₹1,66,435 | ₹3,50,467 | ₹40,80,924 |
| 8 | ₹1,80,967 | ₹3,35,936 | ₹38,99,957 |
| 9 | ₹1,96,767 | ₹3,20,135 | ₹37,03,190 |
| 10 | ₹2,13,947 | ₹3,02,955 | ₹34,89,243 |
| 11 | ₹2,32,627 | ₹2,84,276 | ₹32,56,616 |
| 12 | ₹2,52,938 | ₹2,63,965 | ₹30,03,678 |
| 13 | ₹2,75,022 | ₹2,41,881 | ₹27,28,656 |
| 14 | ₹2,99,034 | ₹2,17,868 | ₹24,29,621 |
| 15 | ₹3,25,143 | ₹1,91,759 | ₹21,04,478 |
| 16 | ₹3,53,532 | ₹1,63,371 | ₹17,50,946 |
| 17 | ₹3,84,399 | ₹1,32,504 | ₹13,66,547 |
| 18 | ₹4,17,961 | ₹98,942 | ₹9,48,586 |
| 19 | ₹4,54,454 | ₹62,449 | ₹4,94,132 |
| 20 | ₹4,94,132 | ₹22,771 | ₹0 |
For estimation only. Not professional financial, tax, or legal advice. Consult a qualified advisor before making decisions. Full disclaimer.
How it works
State Bank of India home loan highlights
- Interest rate starts at 8.4% p.a.
- Loan tenure up to 30 years
- Up to 90% financing on property value
- Processing fee: 0.25% to 1% of loan amount
Rates listed here are indicative based on publicly available information and update periodically. Final rate will be confirmed by the bank after credit assessment.
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