Home-loan EMI for every amount
Your monthly EMI from ₹10 lakh to ₹1 crore over 15, 20 and 30 years — and how much interest you pay on a 20-year loan.
Use your own loan| Loan | 15 years | 20 years | 30 years | Interest (20 yrs) |
|---|---|---|---|---|
| ₹10 lakh | ₹9,847 | ₹8,678 | ₹7,689 | ₹10.83 L |
| ₹15 lakh | ₹14,771 | ₹13,017 | ₹11,534 | ₹16.24 L |
| ₹20 lakh | ₹19,695 | ₹17,356 | ₹15,378 | ₹21.66 L |
| ₹25 lakh | ₹24,618 | ₹21,696 | ₹19,223 | ₹27.07 L |
| ₹30 lakh | ₹29,542 | ₹26,035 | ₹23,067 | ₹32.48 L |
| ₹35 lakh | ₹34,466 | ₹30,374 | ₹26,912 | ₹37.9 L |
| ₹40 lakh | ₹39,390 | ₹34,713 | ₹30,757 | ₹43.31 L |
| ₹50 lakh | ₹49,237 | ₹43,391 | ₹38,446 | ₹54.14 L |
| ₹60 lakh | ₹59,084 | ₹52,069 | ₹46,135 | ₹64.97 L |
| ₹75 lakh | ₹73,855 | ₹65,087 | ₹57,669 | ₹81.21 L |
| ₹80 lakh | ₹78,779 | ₹69,426 | ₹61,513 | ₹86.62 L |
| ₹1 crore | ₹98,474 | ₹86,782 | ₹76,891 | ₹1.08 Cr |
All at 8.5% a year, monthly reducing balance. Tap any row for the full breakdown.
Questions people ask
What is the EMI per lakh of home loan?
At 8.5%, every ₹1 lakh borrowed costs about ₹868 a month over 20 years, ₹985 over 15 years and ₹769 over 30 years. Multiply by your loan in lakhs for a quick estimate.
Is a 30-year loan better than 20 years?
The EMI is lower but you pay far more interest. On ₹50 lakh at 8.5%, 30 years cuts the EMI by ₹4,945 a month but adds ₹34.27 L in interest. A common middle path: take the longer tenure and prepay whenever you can.
What salary do I need for these EMIs?
Banks usually cap all your EMIs at about half your take-home pay. So a ₹43,391 EMI (₹50 lakh over 20 years) needs roughly ₹86,782 a month in hand, with no other loans.
What rate are these at?
All EMIs use 8.5% a year, a slightly cautious floating rate: after RBI raised the repo rate to 5.5% in October 2026, big banks charge salaried borrowers roughly 7.5–9% depending on credit score. Each loan page also shows EMIs from 7.5% to 10%, and the calculator takes any rate.