State Bank of India (SBI) Home Loan EMI Calculator
Compute your monthly EMI for State Bank of India (SBI) home loans based on verified 2026 interest rates (8.5% - 9.25% p.a.), processing charges, and 30-year amortization schedules.
SBI Housing Loan Simulator
Benchmark ROI: 8.5%State Bank of India (SBI) EMI for Standard Loan Amounts (20-Year Tenure)
Pre-computed monthly installments across popular ticket sizes at State Bank of India (SBI)'s benchmark rate range (8.5% - 9.25%):
| Loan Ticket Size | Monthly EMI Range (20Y) | Total Interest Outgo | Applicable ROI | Min Monthly Salary (50% FOIR) |
|---|---|---|---|---|
| ₹30 Lakh (₹30,00,000) | ₹26,035 - ₹27,476 / mo | ₹32,48,400 | 8.50% - 9.25% | ₹52,070 / mo |
| ₹50 Lakh (₹50,00,000) | ₹43,391 - ₹45,793 / mo | ₹54,13,840 | 8.50% - 9.25% | ₹86,782 / mo |
| ₹75 Lakh (₹75,00,000) | ₹65,087 - ₹68,690 / mo | ₹81,20,880 | 8.50% - 9.25% | ₹1,30,174 / mo |
| ₹1 Crore (₹1,00,00,000) | ₹86,782 - ₹91,587 / mo | ₹1,08,27,680 | 8.50% - 9.25% | ₹1,73,564 / mo |
SBI Home Loan Principal vs Interest Ratio
20-Year Amortization Trajectory
Everything You Need to Know About State Bank of India (SBI) Home Loans
State Bank of India (SBI) is one of the premier housing finance lenders in India. With interest rates indexed directly to the Reserve Bank of India repo rate through EBLR tied to RBI Repo (6.50%), borrowers benefit from direct transmission of RBI monetary rate cycles.
Key highlights of State Bank of India (SBI) home loans include: Zero prepayment penalty, max 30Y tenure, special 5 bps discount for women borrowers. Per Reserve Bank of India mandates, floating-rate housing loans from State Bank of India (SBI) carry zero foreclosure or prepayment penalties for individual borrowers, allowing you to make part-prepayments whenever surplus funds are available.