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State Bank of India ₹20 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.5%, the EMI is about ₹14,780 a month, with total interest of about ₹24,33,947.
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) | ₹14,780 | ₹24,33,947 | ₹44,33,947 |
| 8% | ₹15,436 | ₹26,30,897 | ₹46,30,897 |
| 8.5% | ₹16,105 | ₹28,31,363 | ₹48,31,363 |
| 9% | ₹16,784 | ₹30,35,178 | ₹50,35,178 |
| 9.5% | ₹17,474 | ₹32,42,180 | ₹52,42,180 |
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 | ₹28,318 | ₹1,49,040 | ₹1,77,358 | ₹19,71,682 |
| Year 2 | ₹30,517 | ₹1,46,841 | ₹1,77,358 | ₹19,41,165 |
| Year 3 | ₹32,886 | ₹1,44,472 | ₹1,77,358 | ₹19,08,280 |
| Year 4 | ₹35,439 | ₹1,41,919 | ₹1,77,358 | ₹18,72,841 |
| Year 5 | ₹38,190 | ₹1,39,168 | ₹1,77,358 | ₹18,34,651 |
| Year 6 | ₹41,155 | ₹1,36,203 | ₹1,77,358 | ₹17,93,496 |
| Year 7 | ₹44,350 | ₹1,33,008 | ₹1,77,358 | ₹17,49,147 |
| Year 8 | ₹47,793 | ₹1,29,565 | ₹1,77,358 | ₹17,01,354 |
| Year 9 | ₹51,503 | ₹1,25,855 | ₹1,77,358 | ₹16,49,851 |
| Year 10 | ₹55,501 | ₹1,21,857 | ₹1,77,358 | ₹15,94,350 |
| Year 11 | ₹59,810 | ₹1,17,548 | ₹1,77,358 | ₹15,34,540 |
| Year 12 | ₹64,453 | ₹1,12,905 | ₹1,77,358 | ₹14,70,087 |
| Year 13 | ₹69,457 | ₹1,07,901 | ₹1,77,358 | ₹14,00,631 |
| Year 14 | ₹74,849 | ₹1,02,509 | ₹1,77,358 | ₹13,25,782 |
| Year 15 | ₹80,659 | ₹96,698 | ₹1,77,358 | ₹12,45,122 |
| Year 16 | ₹86,921 | ₹90,437 | ₹1,77,358 | ₹11,58,201 |
| Year 17 | ₹93,669 | ₹83,689 | ₹1,77,358 | ₹10,64,532 |
| Year 18 | ₹1,00,941 | ₹76,417 | ₹1,77,358 | ₹9,63,591 |
| Year 19 | ₹1,08,777 | ₹68,581 | ₹1,77,358 | ₹8,54,814 |
| Year 20 | ₹1,17,222 | ₹60,136 | ₹1,77,358 | ₹7,37,592 |
| Year 21 | ₹1,26,322 | ₹51,036 | ₹1,77,358 | ₹6,11,269 |
| Year 22 | ₹1,36,129 | ₹41,229 | ₹1,77,358 | ₹4,75,140 |
| Year 23 | ₹1,46,697 | ₹30,661 | ₹1,77,358 | ₹3,28,443 |
| Year 24 | ₹1,58,085 | ₹19,272 | ₹1,77,358 | ₹1,70,358 |
| Year 25 | ₹1,70,358 | ₹7,000 | ₹1,77,358 | ₹0 |
Frequently asked questions
What is the EMI for a ₹20 lakh State Bank of India home loan for 25 years?
At State Bank of India's starting rate of 7.5% the EMI is about ₹14,780 a month. If your offered rate is 8.5% it would be about ₹16,105.
How much total interest will I pay?
At 7.5% the total interest over 25 years is about ₹24,33,947, so you repay about ₹44,33,947 in all.