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State Bank of India ₹10 lakh Personal Loan EMI for 3 Years
At the advertised starting rate of 10%, the EMI is about ₹32,267 a month, with total interest of about ₹1,61,619.
Source: State Bank of India official page, checked 2 November 2026.
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 |
|---|---|---|---|
| 10% (starting) | ₹32,267 | ₹1,61,619 | ₹11,61,619 |
| 10.5% | ₹32,502 | ₹1,70,088 | ₹11,70,088 |
| 11% | ₹32,739 | ₹1,78,594 | ₹11,78,594 |
| 11.5% | ₹32,976 | ₹1,87,136 | ₹11,87,136 |
| 12% | ₹33,214 | ₹1,95,715 | ₹11,95,715 |
Year-by-year repayment schedule at 10%
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 | ₹3,00,742 | ₹86,464 | ₹3,87,206 | ₹6,99,258 |
| Year 2 | ₹3,32,234 | ₹54,972 | ₹3,87,206 | ₹3,67,023 |
| Year 3 | ₹3,67,023 | ₹20,183 | ₹3,87,206 | ₹0 |
Frequently asked questions
What is the EMI for a ₹10 lakh State Bank of India personal loan for 3 years?
At State Bank of India's starting rate of 10% the EMI is about ₹32,267 a month. If your offered rate is 11% it would be about ₹32,739.
How much total interest will I pay?
At 10% the total interest over 3 years is about ₹1,61,619, so you repay about ₹11,61,619 in all.