State Bank of India Home Loan
Interest rates from 7.5% p.a. (up to 8.7%) · EMI from ₹34,961/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About State Bank of India home loans
India's largest lender, with RLLR-linked floating rates and a rate concession for women borrowers.
SBI home loan EMI table (7.5% p.a.)
Monthly EMI at SBI's minimum rate. Tap any amount for the full breakdown.
How much interest will a SBI loan cost?
A ₹50 lakh SBI home loan at 7.5% over 20 years means about ₹46.67 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare SBI with other lenders →
SBI home loan by city
Compare SBI with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| SBI (this page) | 7.5% | ₹40,280 |
| Union Bank | 7.35% | ₹39,822 |
| BoM | 7.35% | ₹39,822 |
| Indian Bank | 7.4% | ₹39,974 |
| PNB | 7.5% | ₹40,280 |
| Kotak | 7.6% | ₹40,586 |
| Godrej HF | 7.6% | ₹40,586 |
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Frequently Asked Questions
What is the State Bank of India home loan interest rate in 2026?
State Bank of India offers home loans starting at 7.5% p.a., going up to 8.7% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh SBI home loan?
At 7.5% p.a., a ₹50 lakh SBI home loan has an EMI of about ₹40,280 for 20 years — roughly ₹34,961 for 30 years and ₹46,351 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a SBI home loan?
State Bank of India's processing fee is 0.35% (₹2,000–₹10,000) + GST, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a SBI home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a SBI home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with State Bank of India before applying. NestSaver is an information and planning service, not a lender.