Use SBI Personal Loan EMI Calculator to calculate EMI based on Interest rate, loan amount & tenure period. EMI as low as Rs. 2,224 per Lakh एसबीआई पर्सनल लोन ईएमआई कैलकुलेटर.
SBI Xpress personal loan Emi Calculator – Find how much EMI amount you have to pay for your Personal loan. Just Enter your loan amount, Interest rates and loan tenure period to get the instant quotes within seconds.
Examples of EMI Calculation for SBI Personal Loan
Minimum EMI for 1 Lakh Personal loan amount @ 12.00% rate of interest.
| Interest Rates | Loan Tenure | Lowest EMI Per 1 Lakh |
| 12.00% | 5 Years | Rs. 2,224 |
| 12.00% | 4 Years | Rs. 2,633 |
| 12.00% | 3 Years | Rs. 3,321 |
| 12.00% | 2 Years | Rs. 4,707 |
| 12.00% | 1 Years | Rs. 8,885 |
Example of SBI Personal Loan of 2 Lakh Amount @ 12.00% Rate of interest for 3 Years Calculation:
- Loan EMI – ₹ 6,643
- Total Interest Payable – ₹ 39,143
- Total Payment – (Principal + Interest) – ₹ 2,39,143
Here’s the Yearly payout of personal loan
| Year | Principal | Interest | Balance Amount |
| 1 | Rs. 9,332 | Rs. 3,954 | Rs. 1,90,668 |
| 2 | Rs. 60,070 | Rs. 19,646 | Rs. 1,30,599 |
| 3 | Rs. 67,685 | Rs. 12,031 | Rs. 62,912 |
| 4 | Rs. 62,913 | Rs. 3,511 | Rs. 0 |
Repayment period
The loan is repayable in 60 EMI. You are allowed to pay more than the EMI if you wish to,without attracting any prepayment penalty.
Maximum Loan amount
12 times Net Monthly Income for salaried individuals and pensioners subject to a ceiling of Rs.10 lakh in all centers.
SBI Personal Loan EMI for Different Loan Amounts and Different Tenures at an interest rate of 13.00% per annum
| Amount (in ₹) | 2 Years | 3 Years | 4 Years | 5 Years |
|---|---|---|---|---|
| 3,00,000 | ₹ 14,263 | ₹ 10,108 | ₹ 8,048 | ₹ 6,826 |
| 4,00,000 | ₹ 19,017 | ₹ 13,478 | ₹ 10,731 | ₹ 9,101 |
| 5,00,000 | ₹ 23,771 | ₹ 16,847 | ₹ 13,414 | ₹ 11,377 |
| 6,00,000 | ₹ 28,525 | ₹ 20,216 | ₹ 16,096 | ₹ 13,652 |
| 7,00,000 | ₹ 33,279 | ₹ 23,586 | ₹ 18,779 | ₹ 15,927 |
| 10,00,000 | ₹ 47,542 | ₹ 33,694 | ₹ 26,827 | ₹ 22,753 |