Home loan EMI table

EMI for ₹20 lakh home loan: ₹17,356/month

At 8.5% for 20 years. You'd repay ₹41,65,552 in total, of which ₹21,65,552 is interest.

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EMI by tenure at 8.5%

TenureMonthly EMITotal interestTotal payable
10 years₹24,797₹9,75,657₹29,75,657
15 years₹19,695₹15,45,062₹35,45,062
20 years₹17,356₹21,65,552₹41,65,552
25 years₹16,105₹28,31,363₹48,31,363
30 years₹15,378₹35,36,177₹55,36,177

EMI by interest rate (20 years)

RateMonthly EMITotal interest
7.5%₹16,112₹18,66,847
8%₹16,729₹20,14,912
8.5%₹17,356₹21,65,552
9%₹17,995₹23,18,685
9.5%₹18,643₹24,74,230
10%₹19,300₹26,32,104

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 ₹20 lakh home loan?
At 8.5% interest, the EMI on ₹20,00,000 is ₹17,356 per month for 20 years, or ₹15,378 for 30 years.
What salary do I need for a ₹20 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 ₹34,713 a month with no other loans.
How much interest will I pay on ₹20 lakh?
Over 20 years at 8.5%, total interest is ₹21,65,552 — 108% of the loan. A 15-year tenure cuts that to ₹15,45,062.

Other loan amounts

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