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State Bank of India ₹1 crore Home Loan EMI for 20 Years
At the advertised starting rate of 7.5%, the EMI is about ₹80,559 a month, with total interest of about ₹93,34,237.
Source: State Bank of India official page, checked on November 2026 (2026-11-01).
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Prepayment options (optional): pay extra to finish sooner
EMI at higher rates
| Rate | EMI | Total interest | Total payment |
|---|---|---|---|
| 7.5% (starting) | ₹80,559 | ₹93,34,237 | ₹1,93,34,237 |
| 8% | ₹83,644 | ₹1,00,74,562 | ₹2,00,74,562 |
| 8.5% | ₹86,782 | ₹1,08,27,758 | ₹2,08,27,758 |
| 9% | ₹89,973 | ₹1,15,93,423 | ₹2,15,93,423 |
| 9.5% | ₹93,213 | ₹1,23,71,149 | ₹2,23,71,149 |
Year-by-year repayment schedule at 7.5%
How much of each year's payments goes to principal and to interest, and what you still owe at the end of the year. Use the calculator above for a month-by-month view and prepayment options.
| Year | Principal | Interest | Paid | Balance left |
|---|---|---|---|---|
| Year 1 | ₹2,24,319 | ₹7,42,393 | ₹9,66,712 | ₹97,75,681 |
| Year 2 | ₹2,41,733 | ₹7,24,979 | ₹9,66,712 | ₹95,33,948 |
| Year 3 | ₹2,60,500 | ₹7,06,212 | ₹9,66,712 | ₹92,73,449 |
| Year 4 | ₹2,80,723 | ₹6,85,989 | ₹9,66,712 | ₹89,92,726 |
| Year 5 | ₹3,02,516 | ₹6,64,196 | ₹9,66,712 | ₹86,90,210 |
| Year 6 | ₹3,26,001 | ₹6,40,711 | ₹9,66,712 | ₹83,64,209 |
| Year 7 | ₹3,51,309 | ₹6,15,402 | ₹9,66,712 | ₹80,12,899 |
| Year 8 | ₹3,78,582 | ₹5,88,129 | ₹9,66,712 | ₹76,34,317 |
| Year 9 | ₹4,07,973 | ₹5,58,739 | ₹9,66,712 | ₹72,26,344 |
| Year 10 | ₹4,39,645 | ₹5,27,067 | ₹9,66,712 | ₹67,86,699 |
| Year 11 | ₹4,73,776 | ₹4,92,936 | ₹9,66,712 | ₹63,12,924 |
| Year 12 | ₹5,10,556 | ₹4,56,156 | ₹9,66,712 | ₹58,02,367 |
| Year 13 | ₹5,50,192 | ₹4,16,520 | ₹9,66,712 | ₹52,52,176 |
| Year 14 | ₹5,92,905 | ₹3,73,807 | ₹9,66,712 | ₹46,59,271 |
| Year 15 | ₹6,38,933 | ₹3,27,778 | ₹9,66,712 | ₹40,20,338 |
| Year 16 | ₹6,88,535 | ₹2,78,176 | ₹9,66,712 | ₹33,31,802 |
| Year 17 | ₹7,41,988 | ₹2,24,724 | ₹9,66,712 | ₹25,89,814 |
| Year 18 | ₹7,99,591 | ₹1,67,121 | ₹9,66,712 | ₹17,90,223 |
| Year 19 | ₹8,61,665 | ₹1,05,047 | ₹9,66,712 | ₹9,28,558 |
| Year 20 | ₹9,28,558 | ₹38,154 | ₹9,66,712 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore State Bank of India home loan for 20 years?
At State Bank of India's starting rate of 7.5% the EMI is about ₹80,559 a month. If your offered rate is 8.5% it would be about ₹86,782.
How much total interest will I pay?
At 7.5% the total interest over 20 years is about ₹93,34,237, so you repay about ₹1,93,34,237 in all.