SBI Personal Loan EMI Calculator
Preset to SBI's current personal loan emi rate of 11.15%. Change any value to see your own numbers.
- Current rate 11.15%
- Range 10.90–11.65%
- Rank #6 of 8 banks
- Verified 16 July 2026
SBI Personal Loan EMI Calculator
- Principal₹5,00,000
- Total interest₹1,54,519
- Total payment₹6,54,519
Where your money goes
- Principal ₹5,00,000
- Interest ₹1,54,519
SBI personal loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| Xpress Credit salaried, up to ₹10 lakh | 11.15% |
| Xpress Credit salaried, ₹10 lakh – ₹20 lakh | 11.65% |
| Xpress Elite (premium salary package) | 10.90% |
| Pension loan | 11.30% |
This Personal Loan calculator is preset to State Bank of India's current 11.15% rate (as of 16 July 2026), so the EMI you see the moment the page loads reflects a real SBI loan — change the amount or tenure to match yours.
SBI's personal loan rates run from 10.90% to 11.65% depending on your profile and loan size. Below is SBI's full rate table, the fees and rules that actually apply, and how SBI compares with the 8 banks we track — the one thing no bank's own page will show you.
SBI personal loan — key facts
- Loan amount ranges from ₹25,000 to ₹35,00,000 under the Xpress Credit scheme.
- Processing fee is up to 1.5% of the loan amount (plus applicable GST).
- A foreclosure charge of 3% is levied on the prepaid amount for Xpress Credit loans.
- Maximum repayment tenure is up to 6 years (72 months).
How SBI compares
SBI's personal loan rate is above the category median. HDFC is cheaper at 10.75%.
SBI personal loan FAQs
What is SBI's personal loan interest rate in 2026?
State Bank of India offers personal loan rates from 10.9% to 11.65% (indicative headline 11.15%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a SBI personal loan?
The processing fee is Up to 1.5% of loan amount + GST. Loan amount ranges from ₹25,000 to ₹35,00,000 under the Xpress Credit scheme.
Can I prepay or foreclose my SBI personal loan early?
A foreclosure charge of 3% is levied on the prepaid amount for Xpress Credit loans.
How is the EMI on a SBI personal loan calculated?
The EMI uses the reducing-balance method — interest is charged only on the outstanding balance, so the interest share of each instalment falls over time. At 11.15% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.