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State Bank of India ₹75 lakh Home Loan EMI for 15 Years
At the advertised starting rate of 7.5%, the EMI is about ₹69,526 a month, with total interest of about ₹50,14,667.
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) | ₹69,526 | ₹50,14,667 | ₹1,25,14,667 |
| 8% | ₹71,674 | ₹54,01,303 | ₹1,29,01,303 |
| 8.5% | ₹73,855 | ₹57,93,984 | ₹1,32,93,984 |
| 9% | ₹76,070 | ₹61,92,599 | ₹1,36,92,599 |
| 9.5% | ₹78,317 | ₹65,97,033 | ₹1,40,97,033 |
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 | ₹2,81,352 | ₹5,52,959 | ₹8,34,311 | ₹72,18,648 |
| Year 2 | ₹3,03,194 | ₹5,31,117 | ₹8,34,311 | ₹69,15,454 |
| Year 3 | ₹3,26,732 | ₹5,07,579 | ₹8,34,311 | ₹65,88,722 |
| Year 4 | ₹3,52,097 | ₹4,82,214 | ₹8,34,311 | ₹62,36,625 |
| Year 5 | ₹3,79,431 | ₹4,54,880 | ₹8,34,311 | ₹58,57,194 |
| Year 6 | ₹4,08,887 | ₹4,25,424 | ₹8,34,311 | ₹54,48,306 |
| Year 7 | ₹4,40,630 | ₹3,93,681 | ₹8,34,311 | ₹50,07,676 |
| Year 8 | ₹4,74,838 | ₹3,59,473 | ₹8,34,311 | ₹45,32,838 |
| Year 9 | ₹5,11,701 | ₹3,22,611 | ₹8,34,311 | ₹40,21,138 |
| Year 10 | ₹5,51,425 | ₹2,82,886 | ₹8,34,311 | ₹34,69,713 |
| Year 11 | ₹5,94,234 | ₹2,40,077 | ₹8,34,311 | ₹28,75,479 |
| Year 12 | ₹6,40,366 | ₹1,93,945 | ₹8,34,311 | ₹22,35,113 |
| Year 13 | ₹6,90,079 | ₹1,44,232 | ₹8,34,311 | ₹15,45,035 |
| Year 14 | ₹7,43,651 | ₹90,660 | ₹8,34,311 | ₹8,01,383 |
| Year 15 | ₹8,01,383 | ₹32,928 | ₹8,34,311 | ₹0 |
Frequently asked questions
What is the EMI for a ₹75 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 ₹69,526 a month. If your offered rate is 8.5% it would be about ₹73,855.
How much total interest will I pay?
At 7.5% the total interest over 15 years is about ₹50,14,667, so you repay about ₹1,25,14,667 in all.