EMI on a ₹1 crore home loan
What is the EMI on a ₹1 crore home loan?
₹86,782 / month
At 8.5% for 20 years. You’d repay ₹2,08,27,758 in total — ₹1.08 Cr of it interest.
Open in the EMI calculatorEMI by rate and tenure
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 7.5% | ₹1,18,702 | ₹92,701 | ₹80,559 | ₹73,899 | ₹69,921 |
| 8.0% | ₹1,21,328 | ₹95,565 | ₹83,644 | ₹77,182 | ₹73,376 |
| 8.5% | ₹1,23,986 | ₹98,474 | ₹86,782 | ₹80,523 | ₹76,891 |
| 9.0% | ₹1,26,676 | ₹1,01,427 | ₹89,973 | ₹83,920 | ₹80,462 |
| 9.5% | ₹1,29,398 | ₹1,04,422 | ₹93,213 | ₹87,370 | ₹84,085 |
| 10.0% | ₹1,32,151 | ₹1,07,461 | ₹96,502 | ₹90,870 | ₹87,757 |
Make it yours
Change any number
₹
₹1 crore
%
yrs
Monthly EMI
₹86,782
for 20 years · you’ll repay ₹2,08,27,758 in total
What the loan really costs
Interest
₹1.08 Cr
108% of loan
Principal
₹1,00,00,000
Total interest
₹1,08,27,758
Total paid
₹2,08,27,758
In year one, 81% of every EMI goes to interest. Principal only overtakes interest in year 13 — that’s why early prepayments save so much.
Year by year
PrincipalInterest
Full repayment schedule
20 years
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,99,023 | ₹8,42,365 | ₹98,00,977 |
| 2 | ₹2,16,615 | ₹8,24,773 | ₹95,84,362 |
| 3 | ₹2,35,762 | ₹8,05,626 | ₹93,48,601 |
| 4 | ₹2,56,601 | ₹7,84,787 | ₹90,92,000 |
| 5 | ₹2,79,282 | ₹7,62,106 | ₹88,12,718 |
| 6 | ₹3,03,968 | ₹7,37,420 | ₹85,08,750 |
| 7 | ₹3,30,836 | ₹7,10,552 | ₹81,77,915 |
| 8 | ₹3,60,079 | ₹6,81,309 | ₹78,17,836 |
| 9 | ₹3,91,906 | ₹6,49,482 | ₹74,25,930 |
| 10 | ₹4,26,547 | ₹6,14,841 | ₹69,99,382 |
| 11 | ₹4,64,250 | ₹5,77,138 | ₹65,35,132 |
| 12 | ₹5,05,286 | ₹5,36,102 | ₹60,29,846 |
| 13 | ₹5,49,948 | ₹4,91,439 | ₹54,79,898 |
| 14 | ₹5,98,559 | ₹4,42,829 | ₹48,81,339 |
| 15 | ₹6,51,466 | ₹3,89,922 | ₹42,29,873 |
| 16 | ₹7,09,050 | ₹3,32,338 | ₹35,20,823 |
| 17 | ₹7,71,723 | ₹2,69,665 | ₹27,49,100 |
| 18 | ₹8,39,937 | ₹2,01,451 | ₹19,09,164 |
| 19 | ₹9,14,179 | ₹1,27,209 | ₹9,94,984 |
| 20 | ₹9,94,984 | ₹46,403 | ₹0 |
Questions people ask
What is the EMI for a ₹1 crore home loan for 30 years?
At 8.5%, about ₹76,891 a month. You’d pay ₹1.77 Cr in interest, compared with ₹1.08 Cr over 20 years.
What salary do I need for a ₹1 crore home loan?
Banks usually let all your EMIs take up to about half your take-home pay. For a 20-year loan at 8.5% (EMI ₹86,782), that means a take-home salary of roughly ₹1,73,565 a month, with no other loans.
How much does a 0.5% lower rate save?
On ₹1 crore over 20 years, 8% instead of 8.5% cuts the EMI by ₹3,138 a month and saves about ₹7.53 L in interest over the loan.
How much down payment do I need?
RBI lets banks lend up to 90% of a home’s value on loans up to ₹30 lakh, 80% on loans up to ₹75 lakh and 75% above that. So a ₹1 crore loan needs a home worth at least ₹1.33 Cr or so, plus around 7% for stamp duty and registration.