Introduction
Are you thinking about taking a personal loan from SBI? Before you apply, it’s important to know how much EMI (Equated Monthly Instalment) you will have to pay. That’s where the SBI Personal Loan EMI Calculator becomes your best friend.
This online tool helps you plan your budget, compare loan options, and avoid financial stress later.
What Is the SBI Personal Loan EMI Calculator?
The SBI EMI Calculator is a free and easy-to-use online tool that lets you calculate your personal loan EMI within seconds. You just need to enter three things:
- Loan amount
- Interest rate
- Tenure (loan duration in months or years)
It will instantly show:
- Monthly EMI
- Total interest payable
- Total repayment amount
Why You Should Use the SBI EMI Calculator
Accurate Budget Planning
No need for guesswork — get the exact EMI based on real-time interest rates.
Compare Loan Options Easily
Try different combinations of loan amounts, interest rates, and tenure to find the most affordable option.
Saves Time and Effort
No need to manually calculate or visit the bank. Get results online instantly.
SBI Personal Loan Interest Rate in 2025
As of July 2025, SBI personal loan interest rates start from 10.30% per annum for salaried individuals and vary based on your credit score, employer, and relationship with the bank.
| Customer Type | Interest Rate (p.a.) | Max Tenure |
|---|---|---|
| Salaried | From 10.30% | Up to 6 years |
| Pensioners | From 11.50% | Up to 5 years |
| Pre-approved Loans | As low as 9.80% | Custom |
How to Use SBI Personal Loan EMI Calculator – Step-by-Step
- Go to SBI’s official EMI Calculator page or trusted platforms like Paisabazaar, BankBazaar, or Groww.
- Enter Loan Amount (e.g., ₹1,00,000 to ₹20,00,000).
- Input Interest Rate (e.g., 10.30%).
- Choose Tenure (e.g., 12 to 72 months).
- Click Calculate — and get your EMI instantly.
Official Calculator Link: sbi.co.in/emi-calculator
Example EMI Calculation
Let’s say you take a loan of ₹5,00,000 for 5 years at an interest rate of 10.30% p.a.:
- EMI = ₹10,682/month
- Total Interest = ₹1,40,924
- Total Repayment = ₹6,40,924
You can adjust the tenure or loan amount to find a more comfortable EMI.
Benefits of Using the SBI EMI Calculator
Know How Much You Can Afford
Helps you decide the best loan amount based on your income.
Smarter Loan Planning
Choose a longer or shorter tenure to match your monthly budget.
Try Different Scenarios
Change interest rate or amount and compare instantly.
Avoid Late Payments
Planning ahead ensures you never miss your EMI.
Tips to Get the Best SBI Personal Loan Deal
- Keep your CIBIL score above 750
- Choose a longer tenure if you want lower EMIs
- Apply during festive offers for lower interest rates
- Use a balance transfer if you have an existing loan at a higher rate
- Avoid unnecessary add-ons or insurance if you don’t need them
Conclusion
The SBI Personal Loan EMI Calculator is the best tool to check how much you’ll repay every month. It’s quick, accurate, and helps you take a loan without any surprises later.
Before applying for any personal loan, always calculate your EMI and choose the right amount and tenure that fits your income. A few minutes of planning can save you thousands of rupees over time.
Visit the official SBI EMI calculator today and take your first step toward smart borrowing!