SBI Personal Loan EMI Calculator
↻ Updated 2026Work out your monthly EMI, total interest and repayment for a SBI personal loan. The rate is pre-filled with SBI's indicative starting rate of 11.15% — adjust it to the exact rate you've been offered.
Your inputs
Loan amount
Interest rate (SBI indicative)
Adjust to your offered rate
Tenure
Monthly EMI
₹13 K
SBI personal loan
Total interest
₹1.22 L
24% of principal
Total payable
₹6.22 L
over 48 months
Principal vs interest
Principal₹5 L
Interest₹1.22 L
Loan summary
Loan amount₹5,00,000
Interest rate11.15%
Tenure48 months
Monthly EMI₹12,959
Total interest₹1,22,042
Total payment₹6,22,042
ASSUMPTIONS — EMI uses the standard reducing-balance formula. The SBI rate shown is indicative and changes frequently — verify your actual offered rate, processing fee and terms with the bank. Excludes fees and insurance.
Personal loan EMI for other banks
Sources & rate references
- ·Indicative published bank rates (verify current rate with the bank) — Rates are indicative starting rates and change frequently; not a quote
RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.