State Bank of India

State Bank of India Loan Against Property

Interest from

8.50%

p.a. reducing

Loan amount

₹5 L – ₹10 Cr

secured

12–240 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₹20,00,000

Tenure15 years

Interest rate8.50%

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

Monthly EMI

₹19,695

Total interest

₹15,45,062

Total payment

₹35,45,062

Total cost of this loan

✨ interest + processing fee

₹15,45,062

Interest Rate8.50% – 10.00%Floating

Max Amount₹10 Crfrom ₹5 L

Tenure1 yr – 20 yrs

✓ Best for

Property owners seeking large, long-tenure secured funding

Total cost of this loan

For a ₹20 L loan over 20 yrs at 8.50% — your best-case scenario.

Monthly EMI: ₹17,356
Total interest: ₹21,65,552
Total cost: ₹21,65,552

You repay ₹41,65,552 for ₹20,00,000 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