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State Bank of India ₹75 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.5%, the EMI is about ₹55,424 a month, with total interest of about ₹91,27,302.
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) | ₹55,424 | ₹91,27,302 | ₹1,66,27,302 |
| 8% | ₹57,886 | ₹98,65,865 | ₹1,73,65,865 |
| 8.5% | ₹60,392 | ₹1,06,17,609 | ₹1,81,17,609 |
| 9% | ₹62,940 | ₹1,13,81,918 | ₹1,88,81,918 |
| 9.5% | ₹65,527 | ₹1,21,58,175 | ₹1,96,58,175 |
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 | ₹1,06,193 | ₹5,58,899 | ₹6,65,092 | ₹73,93,807 |
| Year 2 | ₹1,14,437 | ₹5,50,655 | ₹6,65,092 | ₹72,79,370 |
| Year 3 | ₹1,23,321 | ₹5,41,771 | ₹6,65,092 | ₹71,56,048 |
| Year 4 | ₹1,32,895 | ₹5,32,197 | ₹6,65,092 | ₹70,23,153 |
| Year 5 | ₹1,43,212 | ₹5,21,880 | ₹6,65,092 | ₹68,79,941 |
| Year 6 | ₹1,54,330 | ₹5,10,762 | ₹6,65,092 | ₹67,25,611 |
| Year 7 | ₹1,66,311 | ₹4,98,781 | ₹6,65,092 | ₹65,59,300 |
| Year 8 | ₹1,79,222 | ₹4,85,870 | ₹6,65,092 | ₹63,80,078 |
| Year 9 | ₹1,93,136 | ₹4,71,956 | ₹6,65,092 | ₹61,86,943 |
| Year 10 | ₹2,08,129 | ₹4,56,963 | ₹6,65,092 | ₹59,78,813 |
| Year 11 | ₹2,24,287 | ₹4,40,805 | ₹6,65,092 | ₹57,54,526 |
| Year 12 | ₹2,41,699 | ₹4,23,393 | ₹6,65,092 | ₹55,12,828 |
| Year 13 | ₹2,60,463 | ₹4,04,630 | ₹6,65,092 | ₹52,52,365 |
| Year 14 | ₹2,80,683 | ₹3,84,409 | ₹6,65,092 | ₹49,71,682 |
| Year 15 | ₹3,02,473 | ₹3,62,619 | ₹6,65,092 | ₹46,69,209 |
| Year 16 | ₹3,25,955 | ₹3,39,137 | ₹6,65,092 | ₹43,43,254 |
| Year 17 | ₹3,51,260 | ₹3,13,833 | ₹6,65,092 | ₹39,91,995 |
| Year 18 | ₹3,78,529 | ₹2,86,563 | ₹6,65,092 | ₹36,13,466 |
| Year 19 | ₹4,07,915 | ₹2,57,177 | ₹6,65,092 | ₹32,05,551 |
| Year 20 | ₹4,39,582 | ₹2,25,510 | ₹6,65,092 | ₹27,65,969 |
| Year 21 | ₹4,73,708 | ₹1,91,384 | ₹6,65,092 | ₹22,92,260 |
| Year 22 | ₹5,10,484 | ₹1,54,609 | ₹6,65,092 | ₹17,81,777 |
| Year 23 | ₹5,50,114 | ₹1,14,978 | ₹6,65,092 | ₹12,31,663 |
| Year 24 | ₹5,92,820 | ₹72,272 | ₹6,65,092 | ₹6,38,843 |
| Year 25 | ₹6,38,843 | ₹26,249 | ₹6,65,092 | ₹0 |
Frequently asked questions
What is the EMI for a ₹75 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 ₹55,424 a month. If your offered rate is 8.5% it would be about ₹60,392.
How much total interest will I pay?
At 7.5% the total interest over 25 years is about ₹91,27,302, so you repay about ₹1,66,27,302 in all.