🏦 SBI Home Loan EMI Calculator 2025

🏠

Home Loan

8.40–10.5%

🚗

Car Loan

7.99–12%

💳

Personal

10.5–24%

🎓

Education

8.15–15%

Loan Amount

₹

Down Payment optional

₹

Interest Rate

8.50%

Tenure

20 yrs

Processing Fee optional

True Cost (with fee)

Enter % above to see true cost

Processing Fee optional

₹

Monthly Salary take-home

₹

Monthly EMI

—

📅 Tenure Comparison

🏦 Bank Rate Comparison 2025-26

* Indicative rates. Actual depends on credit score and profile.

💰 Prepayment Simulator

Enter any extra monthly payment — see exact interest saved and time cut.

Extra payment per month

₹

Without prepayment—

With prepayment—

⏱ Time saved—

💰 Interest saved —

📊 Payment Breakdown

⭐ CIBIL Score → Interest Rate Guide

Your credit score directly affects the rate you get. Here's what each score range means for your EMI:

💹 Invest While You Repay

Even ₹2,000/month in SIP alongside your EMI builds serious wealth. Start on Groww — India's most trusted platform.

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About This Calculator

SBI (State Bank of India) is India's largest home loan lender, with over ₹6 lakh crore in outstanding home loan portfolio. Use this calculator to compute your exact EMI on SBI's current home loan rates — pre-filled at 8.50% p.a. (EBR-linked rate as of 2025-26).

SBI offers home loans under multiple schemes: SBI Regular Home Loan, SBI Flexipay, SBI NRI Home Loan, SBI Realty, and SBI PMAY (for EWS/LIG/MIG borrowers). Rates start from 8.50% for salaried borrowers with CIBIL ≥ 800.

📊 SBI Home Loan EMI — Real Example (₹50 Lakh, 20 Years @ 8.50%)

Meet Ramesh & Sunita, a couple in Hyderabad. Ramesh earns ₹1.2 LPA, Sunita ₹8 LPA. Combined income: ₹20 LPA. They want to buy a flat for ₹75 lakh, paying ₹25 lakh down + ₹50 lakh SBI home loan.

SBI Loan Variant	Rate	EMI (₹50L, 20yr)	Total Interest
SBI Regular (CIBIL ≥ 800)	8.50%	₹43,391	₹54.1 lakh
SBI Regular (CIBIL 750–799)	8.60%	₹43,778	₹55.1 lakh
SBI Regular (CIBIL 700–749)	8.75%	₹44,349	₹56.4 lakh
SBI Flexipay (Step-Up)	8.50%	₹35K–55K (rising)	₹56.8 lakh
SBI PMAY (EWS/LIG)	6.50%*	₹37,279	₹39.5 lakh

*PMAY subsidy of 6.5% applies only on first ₹6 lakh of loan; remaining amount at regular rate. Check eligibility at pmayg.nic.in.

💡 Tips to Get the Best Rate on SBI Home Loan

Maintain CIBIL ≥ 800: SBI's best rate (currently 8.50%) is reserved for scores 800+. A score of 750 vs 800 costs you 0.10–0.25% more — that's ₹5–12 lakh extra on a ₹50L loan.
Apply as co-borrower: Adding a working spouse as co-borrower increases eligibility and some banks offer 0.05% concession for women co-borrowers.
SBI Flexipay if you're young: Under-40? SBI Flexipay lets you pay lower EMI for the first 3–5 years, then step up. Useful if you expect salary growth.
Check PMAY eligibility: If annual household income is below ₹18 lakh, you may qualify for PMAY Credit Linked Subsidy (saves ₹2.67L to ₹2.35L depending on income slab).
Prepay during the first 5 years: In the early years, most of your EMI goes to interest. Even ₹1L prepayment in year 2 can save ₹4–6L over the loan life.

📋 SBI Home Loan EMI Table (8.50%, Various Amounts)

Loan Amount	10 Years	15 Years	20 Years	25 Years
₹20 lakh	₹24,737	₹19,677	₹17,356	₹15,942
₹30 lakh	₹37,106	₹29,515	₹26,035	₹23,912
₹40 lakh	₹49,474	₹39,353	₹34,713	₹31,883
₹50 lakh	₹61,843	₹49,192	₹43,391	₹39,854
₹75 lakh	₹92,765	₹73,787	₹65,087	₹59,781
₹1 crore	₹1,23,686	₹98,383	₹86,782	₹79,709

Frequently Asked Questions

What is SBI home loan interest rate in 2025? ▼

SBI home loan interest rate starts from 8.50% p.a. for salaried borrowers with CIBIL score 800+. Rates are EBR (External Benchmark Rate) linked and change with RBI repo rate decisions. Check SBI's official website for the latest rate on your application date.

What is the maximum home loan amount SBI gives? ▼

SBI does not have a fixed upper limit, but loans above ₹75 lakh are classified as 'High Value' and may require higher documentation. Eligibility is based on your net monthly income — typically 60x your NMI is the max loan. On ₹1 lakh NMI, SBI may offer up to ₹60 lakh.

Can I get SBI home loan without salary slip? ▼

Yes, SBI offers home loans to self-employed individuals with ITR (last 3 years), balance sheet, and profit & loss statements. Rates may be 0.10–0.25% higher than salaried borrowers.

How to calculate SBI home loan EMI? ▼

Use the formula: EMI = P × r × (1+r)^n / ((1+r)^n – 1), where P = principal, r = monthly rate (annual rate/12/100), n = months. Or use this calculator — enter loan amount, 8.50% rate, and your tenure. Our calculator shows SBI rates pre-filled.

Does SBI charge prepayment penalty on home loans? ▼

No. SBI does not charge any prepayment penalty on floating rate home loans as per RBI guidelines. You can prepay any amount at any time without any charges. This is a major advantage for borrowers who receive bonuses or increments.