State Bank of India Personal Loan EMI Calculator
Estimate the monthly EMI and total repayable for a State Bank of India personal loan, using the amount range, tenure and starting interest rate State Bank of Indiapublishes on its own site. Your actual offer depends on State Bank of India's assessment of your profile.
Processing fee (+18% GST)1.5%
Monthly EMI₹16,134
Total repayable₹5,89,659
Where every rupee goes
Principal₹5,00,00084.8%
Interest₹80,80913.7%
Processing fee₹7,5001.3%
GST on fee (18%)₹1,3500.2%
On short tenures the annualised rate can look high because one-time fees are spread over a few months. Compare the total repayable in rupees.
Example only. Your rate, fees and repayment amount depend on the lender's offer and Key Facts Statement.
Rate used: 10% p.a., the starting rate State Bank of India advertises for its strongest-profile borrowers — not a guaranteed personal rate.
Source: State Bank of India's official personal loan page → · Last checked 21 August 2026
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