Home loan EMI table

EMI for ₹10 lakh home loan: ₹8,678/month

At 8.5% for 20 years. You'd repay ₹20,82,776 in total, of which ₹10,82,776 is interest.

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EMI by tenure at 8.5%

TenureMonthly EMITotal interestTotal payable
10 years₹12,399₹4,87,828₹14,87,828
15 years₹9,847₹7,72,531₹17,72,531
20 years₹8,678₹10,82,776₹20,82,776
25 years₹8,052₹14,15,681₹24,15,681
30 years₹7,689₹17,68,089₹27,68,089

EMI by interest rate (20 years)

RateMonthly EMITotal interest
7.5%₹8,056₹9,33,424
8%₹8,364₹10,07,456
8.5%₹8,678₹10,82,776
9%₹8,997₹11,59,342
9.5%₹9,321₹12,37,115
10%₹9,650₹13,16,052

Standard reducing-balance EMI, fixed rate for the full tenure. Floating rates change over time; processing fees and insurance are not included.

Frequently asked questions

What is the EMI for a ₹10 lakh home loan?
At 8.5% interest, the EMI on ₹10,00,000 is ₹8,678 per month for 20 years, or ₹7,689 for 30 years.
What salary do I need for a ₹10 lakh home loan?
Banks usually keep all EMIs within about 50% of your net monthly income. For a 20-year loan at 8.5%, that means a take-home of roughly ₹17,356 a month with no other loans.
How much interest will I pay on ₹10 lakh?
Over 20 years at 8.5%, total interest is ₹10,82,776 — 108% of the loan. A 15-year tenure cuts that to ₹7,72,531.

Other loan amounts

Educational estimate by CoinCalc. Actual EMI depends on your lender's rate and terms.