What is SBI Home Loan EMI?
SBI (State Bank of India) is India's largest bank and offers home loans at competitive rates starting from 8.50% p.a. (as of 2025). SBI home loans are available for up to 30 years with loan amounts from ₹1 Lakh to no upper limit.
SBI offers special rates for women borrowers (0.05% concession) and has various schemes like SBI Flexipay, SBI Privilege, and SBI Shaurya for defense personnel.
Formula
EMI = P × r × (1 + r)^n / ((1 + r)^n − 1)
SBI Home Loan Rates (2025): - Up to ₹30 Lakhs: 8.50% - 9.15% - ₹30L to ₹75L: 8.50% - 9.15% - Above ₹75L: 8.50% - 9.15% - Women borrowers get 0.05% concession - CIBIL 800+: Best rates
How to use this SBI Home Loan EMI Calculator?
1. Enter the home loan amount. 2. SBI's latest rate is pre-filled (8.50%). Adjust based on your offer letter. 3. Choose tenure up to 30 years. 4. Compare EMIs at different tenures.