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State Bank of India ₹30 lakh Home Loan EMI for 15 Years
At the advertised starting rate of 7.5%, the EMI is about ₹27,810 a month, with total interest of about ₹20,05,867.
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) | ₹27,810 | ₹20,05,867 | ₹50,05,867 |
| 8% | ₹28,670 | ₹21,60,521 | ₹51,60,521 |
| 8.5% | ₹29,542 | ₹23,17,594 | ₹53,17,594 |
| 9% | ₹30,428 | ₹24,77,040 | ₹54,77,040 |
| 9.5% | ₹31,327 | ₹26,38,813 | ₹56,38,813 |
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 | ₹1,12,541 | ₹2,21,184 | ₹3,33,724 | ₹28,87,459 |
| Year 2 | ₹1,21,278 | ₹2,12,447 | ₹3,33,724 | ₹27,66,182 |
| Year 3 | ₹1,30,693 | ₹2,03,032 | ₹3,33,724 | ₹26,35,489 |
| Year 4 | ₹1,40,839 | ₹1,92,886 | ₹3,33,724 | ₹24,94,650 |
| Year 5 | ₹1,51,772 | ₹1,81,952 | ₹3,33,724 | ₹23,42,878 |
| Year 6 | ₹1,63,555 | ₹1,70,170 | ₹3,33,724 | ₹21,79,323 |
| Year 7 | ₹1,76,252 | ₹1,57,472 | ₹3,33,724 | ₹20,03,070 |
| Year 8 | ₹1,89,935 | ₹1,43,789 | ₹3,33,724 | ₹18,13,135 |
| Year 9 | ₹2,04,680 | ₹1,29,044 | ₹3,33,724 | ₹16,08,455 |
| Year 10 | ₹2,20,570 | ₹1,13,154 | ₹3,33,724 | ₹13,87,885 |
| Year 11 | ₹2,37,693 | ₹96,031 | ₹3,33,724 | ₹11,50,192 |
| Year 12 | ₹2,56,146 | ₹77,578 | ₹3,33,724 | ₹8,94,045 |
| Year 13 | ₹2,76,032 | ₹57,693 | ₹3,33,724 | ₹6,18,014 |
| Year 14 | ₹2,97,461 | ₹36,264 | ₹3,33,724 | ₹3,20,553 |
| Year 15 | ₹3,20,553 | ₹13,171 | ₹3,33,724 | ₹0 |
Frequently asked questions
What is the EMI for a ₹30 lakh State Bank of India home loan for 15 years?
At State Bank of India's starting rate of 7.5% the EMI is about ₹27,810 a month. If your offered rate is 8.5% it would be about ₹29,542.
How much total interest will I pay?
At 7.5% the total interest over 15 years is about ₹20,05,867, so you repay about ₹50,05,867 in all.