₹1.08 Cr total interest · ₹2.08 Cr total repayable
A ₹100 lakh home loan at a typical rate of 8.5% over 20 years costs about ₹86,782 per month. Across the full 20 years you repay ₹2,08,27,758 — ₹1,08,27,758 of it interest. Your actual EMI depends on the exact rate and tenure your lender offers, so use the table below.
EMI by interest rate & tenure
Monthly EMI for a ₹100 lakh loan. The highlighted cell is the typical home loan rate and tenure.
| Rate \ Tenure | 10 yr | 15 yr | 20 yr | 25 yr | 30 yr |
|---|---|---|---|---|---|
| 8% | ₹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% | ₹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% | ₹1,32,151 | ₹1,07,461 | ₹96,502 | ₹90,870 | ₹87,757 |
Just 0.5% lower on this ₹100 lakh loan saves you about ₹7,53,196 over 20 years. Always compare offers from several lenders before signing.
Run your exact EMI →How the EMI is calculated
EMI uses the standard reducing-balance formula: EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is the loan amount (₹100 lakh), r is the monthly interest rate (annual ÷ 12), and n is the number of months (20 × 12 = 240). Early EMIs are mostly interest; later ones are mostly principal. Figures exclude processing fees, insurance and prepayment. See the full loan & EMI calculator for an amortisation schedule.
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