Home loan EMI table

EMI for ₹15 lakh home loan: ₹13,017/month

At 8.5% for 20 years. You'd repay ₹31,24,164 in total, of which ₹16,24,164 is interest.

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EMI by tenure at 8.5%

TenureMonthly EMITotal interestTotal payable
10 years₹18,598₹7,31,742₹22,31,742
15 years₹14,771₹11,58,797₹26,58,797
20 years₹13,017₹16,24,164₹31,24,164
25 years₹12,078₹21,23,522₹36,23,522
30 years₹11,534₹26,52,133₹41,52,133

EMI by interest rate (20 years)

RateMonthly EMITotal interest
7.5%₹12,084₹14,00,135
8%₹12,547₹15,11,184
8.5%₹13,017₹16,24,164
9%₹13,496₹17,39,013
9.5%₹13,982₹18,55,672
10%₹14,475₹19,74,078

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 ₹15 lakh home loan?
At 8.5% interest, the EMI on ₹15,00,000 is ₹13,017 per month for 20 years, or ₹11,534 for 30 years.
What salary do I need for a ₹15 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 ₹26,035 a month with no other loans.
How much interest will I pay on ₹15 lakh?
Over 20 years at 8.5%, total interest is ₹16,24,164 — 108% of the loan. A 15-year tenure cuts that to ₹11,58,797.

Other loan amounts

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