State Bank of India

State Bank of India Education Loan (Abroad)

Interest from

9.15%

p.a. reducing

Loan amount

₹5 L – ₹2 Cr

secured

12–180 moTenure

—Processing fee

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Calculate your EMI

Move the sliders to see monthly EMI, total interest, and total cost of this loan.

Loan amount₹30,00,000

Tenure5 years

Interest rate9.15%

Your actual rate depends on your credit profile, income, and employer category.

Monthly EMI

₹62,494

Total interest

₹7,49,622

Total payment

₹37,49,622

Total cost of this loan

✨ interest + processing fee

₹7,49,622

Interest Rate9.15% – 11.00%Floating

Max Amount₹2 Crfrom ₹5 L

Tenure1 yr – 15 yrs

Total cost of this loan

For a ₹30 L loan over 3 yrs at 9.15% — your best-case scenario.

Monthly EMI: ₹95,609
Total interest: ₹4,41,916
Total cost: ₹4,41,916

You repay ₹34,41,916 for ₹30,00,000 borrowed.

Customize amount, tenure & rate in the EMI calculator above ↑

Rate and prepayment

This is a floating-rate loan. No prepayment penalty — you can foreclose or pre-pay any amount at any time, free of charge (RBI mandate for floating-rate individual loans).

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About State Bank of India

Type: Bank
Established: 1955
Headquarters: Mumbai
Rating:4.0/5

India’s largest public-sector bank. EBLR 7.90% (repo 5.25 + 2.65 spread) effective 01-Apr-2026; home loans from 7.50%, Xpress Credit personal from 11.45%, auto from 8.70%.

Visit State Bank of India website