State Bank of India Home Loan EMI Calculator
Calculate EMI for State Bank of India home loan at the current 8.4% rate.
Loan Details
Results
Your Monthly EMI
₹43,075
Principal
₹50,00,000
Total Interest
₹53,38,054
Total Payment
₹1,03,38,054
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 |
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.
Frequently Asked Questions
Everything you need to know, in one place.
What is the State Bank of India home loan interest rate in 2026?
State Bank of India currently offers home loans at around 8.4% per annum. Final rate depends on credit score, loan amount, and profession.
What is the maximum SBI home loan tenure?
State Bank of India offers home loan tenures up to 30 years, subject to retirement age of the applicant.
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