A ₹1 Crore home loan at 8% for 20 years costs ₹83,644 a month, with ₹1,00,74,562 of interest in total. Below are the EMIs for every tenure at 7.5–9.5%, and how the balance falls year by year.
| Tenure | 7.5% | 8% | 8.5% | 9% | 9.5% |
|---|---|---|---|---|---|
| 5 years | ₹2,00,379 | ₹2,02,764 | ₹2,05,165 | ₹2,07,584 | ₹2,10,019 |
| 10 years | ₹1,18,702 | ₹1,21,328 | ₹1,23,986 | ₹1,26,676 | ₹1,29,398 |
| 15 years | ₹92,701 | ₹95,565 | ₹98,474 | ₹1,01,427 | ₹1,04,422 |
| 20 years | ₹80,559 | ₹83,644 | ₹86,782 | ₹89,973 | ₹93,213 |
| 25 years | ₹73,899 | ₹77,182 | ₹80,523 | ₹83,920 | ₹87,370 |
| 30 years | ₹69,921 | ₹73,376 | ₹76,891 | ₹80,462 | ₹84,085 |
Interest rates are typical November 2026 ranges for illustration; your rate depends on the lender, your credit score and income. Use the calculator above for your own rate.
| Tenure | EMI | Total interest | Interest as % of loan |
|---|---|---|---|
| 5 years | ₹2,02,764 | ₹21,65,837 | 22% |
| 10 years | ₹1,21,328 | ₹45,59,311 | 46% |
| 15 years | ₹95,565 | ₹72,01,738 | 72% |
| 20 years | ₹83,644 | ₹1,00,74,562 | 101% |
| 25 years | ₹77,182 | ₹1,31,54,487 | 132% |
| 30 years | ₹73,376 | ₹1,64,15,525 | 164% |
| Year | Principal paid | Interest paid | Balance at year end |
|---|---|---|---|
| Year 1 | ₹2,11,367 | ₹7,92,361 | ₹97,88,633 |
| Year 2 | ₹2,28,910 | ₹7,74,818 | ₹95,59,723 |
| Year 3 | ₹2,47,909 | ₹7,55,819 | ₹93,11,814 |
| Year 4 | ₹2,68,486 | ₹7,35,242 | ₹90,43,328 |
| Year 5 | ₹2,90,770 | ₹7,12,958 | ₹87,52,558 |
| Year 6 | ₹3,14,904 | ₹6,88,824 | ₹84,37,655 |
| Year 7 | ₹3,41,041 | ₹6,62,688 | ₹80,96,614 |
| Year 8 | ₹3,69,347 | ₹6,34,381 | ₹77,27,268 |
| Year 9 | ₹4,00,002 | ₹6,03,726 | ₹73,27,265 |
| Year 10 | ₹4,33,202 | ₹5,70,526 | ₹68,94,063 |
| Year 11 | ₹4,69,158 | ₹5,34,570 | ₹64,24,905 |
| Year 12 | ₹5,08,098 | ₹4,95,630 | ₹59,16,807 |
| Year 13 | ₹5,50,270 | ₹4,53,458 | ₹53,66,538 |
| Year 14 | ₹5,95,942 | ₹4,07,786 | ₹47,70,596 |
| Year 15 | ₹6,45,405 | ₹3,58,323 | ₹41,25,191 |
| Year 16 | ₹6,98,973 | ₹3,04,755 | ₹34,26,219 |
| Year 17 | ₹7,56,987 | ₹2,46,741 | ₹26,69,231 |
| Year 18 | ₹8,19,817 | ₹1,83,911 | ₹18,49,414 |
| Year 19 | ₹8,87,861 | ₹1,15,867 | ₹9,61,553 |
| Year 20 | ₹9,61,553 | ₹42,175 | ₹0 |
In the early years most of each EMI goes to interest; in year 1 you repay only ₹2,11,367 of principal. Prepaying early saves the most interest.
At 8% a year, the EMI on ₹1,00,00,000 is ₹83,644 for 20 years and ₹73,376 for 30 years.
Over 20 years at 8% you pay ₹1,00,74,562 in interest, so the total repayment is ₹2,00,74,562.
Lenders usually want your EMIs under about half of your take-home pay, so a net monthly income of about ₹1,67,288 or more for ₹83,644 a month (less if you have no other loans; more if you do).