Calculate your SBI home loan EMI.
Use this calculator with SBI's typical rate range. See your EMI, the tax-adjusted effective cost, and full amortization schedule. Independent of SBI — we don't sell loans or pass your details to anyone.
What this loan really looks like
The lifetime split is only part of the story. These show how the principal/interest mix shifts year by year, how slowly the balance falls, and the month your payment finally tips toward principal.
About State Bank of India home loans
SBI is India's largest home loan lender and tends to offer the most competitive published rates among public sector banks. Floating rates are linked to the External Benchmark Lending Rate (EBLR).
SBI home loan at a glance
| Typical rate range | 8.50% to 9.65% |
|---|---|
| Maximum tenure | 30 years |
| Maximum loan amount | as per repayment capacity, no upper cap for eligible borrowers |
| Eligibility (age) | salaried with minimum age 18, maximum age at loan maturity 70; minimum salary varies by location |
| Processing fee | 0.35% of loan amount (minimum ₹2,000, maximum ₹10,000) + GST |
SBI home loan highlights
- YONO (online) home loan processing for quicker disbursement
- Special schemes for women borrowers — typically 0.05% rate concession
- Privilege scheme for government employees and defense personnel
- Top-up loan available after 1 year of clean payment history
- Pre-approved loan for existing SBI customers based on salary credit history
Disclaimer: indiaemi.com is not affiliated with State Bank of India. The rate ranges, eligibility criteria, and other figures shown here are based on publicly available information and may change without notice. Always confirm current rates and terms directly with SBI before making any loan decision.
Tax benefits apply equally — regardless of which bank
The Income Tax Act sections (24(b), 80C, 80EEA) apply to all home loans from approved Indian banks and housing finance companies — SBI loans are no exception. The calculator above incorporates these benefits automatically. For more on home loan tax benefits, see our how EMI works and glossary pages.
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