State Bank of India Personal Loan EMI Calculator — 12% Rate
State Bank of India current personal loan interest rate: 12% p.a.
For a ₹5.00 L loan over 4 years — estimated monthly EMI: ₹13,167
Pre-filled with State Bank of India's current personal loan rate. Adjust the sliders to match your actual loan details.
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Monthly EMI
₹13,167
4 yrs · ₹5.00 L loan
💡 Pay ₹1.3K extra/month → save ₹15.6K interest & close 0 yrs early
Monthly EMI
₹13,167
4 yrs
Total Interest
₹1.32 L
Total Payment
₹6.32 L
About State Bank of India Personal Loan
State Bank of India offers personal loans starting from 12% p.a. as of 2025. The EMI for a ₹5 lakh loan over 4 years at this rate is ₹13,167 per month, with total interest of ₹1.32 L.
Use the calculator above to adjust the loan amount, interest rate, and tenure to match your specific requirements. The amortization schedule shows exactly how much principal and interest you pay each year.