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SBI hikes home loan interest rates: Higher EMI or longer tenure? Costs compared for 30, 50 lakh and 1 crore loans

SBI has raised its benchmark lending rates by 25 bps from 15 October 2026. Find out how the hike could affect EMIs and total interest on 30 lakh, 50 lakh, 80 lakh and 1 crore home loans, and how choosing a higher EMI instead of a longer tenure could help reduce borrowing costs.