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State Bank of India ₹50 lakh Home Loan EMI for 15 Years
At the advertised starting rate of 7.5%, the EMI is about ₹46,351 a month, with total interest of about ₹33,43,111.
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) | ₹46,351 | ₹33,43,111 | ₹83,43,111 |
| 8% | ₹47,783 | ₹36,00,869 | ₹86,00,869 |
| 8.5% | ₹49,237 | ₹38,62,656 | ₹88,62,656 |
| 9% | ₹50,713 | ₹41,28,399 | ₹91,28,399 |
| 9.5% | ₹52,211 | ₹43,98,022 | ₹93,98,022 |
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 | ₹1,87,568 | ₹3,68,639 | ₹5,56,207 | ₹48,12,432 |
| Year 2 | ₹2,02,129 | ₹3,54,078 | ₹5,56,207 | ₹46,10,303 |
| Year 3 | ₹2,17,821 | ₹3,38,386 | ₹5,56,207 | ₹43,92,481 |
| Year 4 | ₹2,34,731 | ₹3,21,476 | ₹5,56,207 | ₹41,57,750 |
| Year 5 | ₹2,52,954 | ₹3,03,253 | ₹5,56,207 | ₹39,04,796 |
| Year 6 | ₹2,72,592 | ₹2,83,616 | ₹5,56,207 | ₹36,32,204 |
| Year 7 | ₹2,93,754 | ₹2,62,454 | ₹5,56,207 | ₹33,38,451 |
| Year 8 | ₹3,16,558 | ₹2,39,649 | ₹5,56,207 | ₹30,21,892 |
| Year 9 | ₹3,41,134 | ₹2,15,074 | ₹5,56,207 | ₹26,80,759 |
| Year 10 | ₹3,67,617 | ₹1,88,591 | ₹5,56,207 | ₹23,13,142 |
| Year 11 | ₹3,96,156 | ₹1,60,052 | ₹5,56,207 | ₹19,16,986 |
| Year 12 | ₹4,26,910 | ₹1,29,297 | ₹5,56,207 | ₹14,90,076 |
| Year 13 | ₹4,60,053 | ₹96,155 | ₹5,56,207 | ₹10,30,023 |
| Year 14 | ₹4,95,768 | ₹60,440 | ₹5,56,207 | ₹5,34,255 |
| Year 15 | ₹5,34,255 | ₹21,952 | ₹5,56,207 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 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 ₹46,351 a month. If your offered rate is 8.5% it would be about ₹49,237.
How much total interest will I pay?
At 7.5% the total interest over 15 years is about ₹33,43,111, so you repay about ₹83,43,111 in all.