Home loan EMI table

EMI for ₹30 lakh home loan: ₹26,035/month

At 8.5% for 20 years. You'd repay ₹62,48,327 in total, of which ₹32,48,327 is interest.

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EMI by tenure at 8.5%

TenureMonthly EMITotal interestTotal payable
10 years₹37,196₹14,63,485₹44,63,485
15 years₹29,542₹23,17,594₹53,17,594
20 years₹26,035₹32,48,327₹62,48,327
25 years₹24,157₹42,47,044₹72,47,044
30 years₹23,067₹53,04,266₹83,04,266

EMI by interest rate (20 years)

RateMonthly EMITotal interest
7.5%₹24,168₹28,00,271
8%₹25,093₹30,22,368
8.5%₹26,035₹32,48,327
9%₹26,992₹34,78,027
9.5%₹27,964₹37,11,345
10%₹28,951₹39,48,156

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 ₹30 lakh home loan?
At 8.5% interest, the EMI on ₹30,00,000 is ₹26,035 per month for 20 years, or ₹23,067 for 30 years.
What salary do I need for a ₹30 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 ₹52,069 a month with no other loans.
How much interest will I pay on ₹30 lakh?
Over 20 years at 8.5%, total interest is ₹32,48,327 — 108% of the loan. A 15-year tenure cuts that to ₹23,17,594.

Other loan amounts

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