A ₹30 Lakh home loan at 8% for 20 years costs ₹25,093 a month, with ₹30,22,368 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 | ₹60,114 | ₹60,829 | ₹61,550 | ₹62,275 | ₹63,006 |
| 10 years | ₹35,611 | ₹36,398 | ₹37,196 | ₹38,003 | ₹38,819 |
| 15 years | ₹27,810 | ₹28,670 | ₹29,542 | ₹30,428 | ₹31,327 |
| 20 years | ₹24,168 | ₹25,093 | ₹26,035 | ₹26,992 | ₹27,964 |
| 25 years | ₹22,170 | ₹23,154 | ₹24,157 | ₹25,176 | ₹26,211 |
| 30 years | ₹20,976 | ₹22,013 | ₹23,067 | ₹24,139 | ₹25,226 |
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 | ₹60,829 | ₹6,49,751 | 22% |
| 10 years | ₹36,398 | ₹13,67,793 | 46% |
| 15 years | ₹28,670 | ₹21,60,521 | 72% |
| 20 years | ₹25,093 | ₹30,22,368 | 101% |
| 25 years | ₹23,154 | ₹39,46,346 | 132% |
| 30 years | ₹22,013 | ₹49,24,657 | 164% |
| Year | Principal paid | Interest paid | Balance at year end |
|---|---|---|---|
| Year 1 | ₹63,410 | ₹2,37,708 | ₹29,36,590 |
| Year 2 | ₹68,673 | ₹2,32,445 | ₹28,67,917 |
| Year 3 | ₹74,373 | ₹2,26,746 | ₹27,93,544 |
| Year 4 | ₹80,546 | ₹2,20,573 | ₹27,12,998 |
| Year 5 | ₹87,231 | ₹2,13,887 | ₹26,25,768 |
| Year 6 | ₹94,471 | ₹2,06,647 | ₹25,31,296 |
| Year 7 | ₹1,02,312 | ₹1,98,806 | ₹24,28,984 |
| Year 8 | ₹1,10,804 | ₹1,90,314 | ₹23,18,180 |
| Year 9 | ₹1,20,001 | ₹1,81,118 | ₹21,98,180 |
| Year 10 | ₹1,29,961 | ₹1,71,158 | ₹20,68,219 |
| Year 11 | ₹1,40,747 | ₹1,60,371 | ₹19,27,472 |
| Year 12 | ₹1,52,429 | ₹1,48,689 | ₹17,75,042 |
| Year 13 | ₹1,65,081 | ₹1,36,038 | ₹16,09,961 |
| Year 14 | ₹1,78,783 | ₹1,22,336 | ₹14,31,179 |
| Year 15 | ₹1,93,621 | ₹1,07,497 | ₹12,37,557 |
| Year 16 | ₹2,09,692 | ₹91,427 | ₹10,27,866 |
| Year 17 | ₹2,27,096 | ₹74,022 | ₹8,00,769 |
| Year 18 | ₹2,45,945 | ₹55,173 | ₹5,54,824 |
| Year 19 | ₹2,66,358 | ₹34,760 | ₹2,88,466 |
| Year 20 | ₹2,88,466 | ₹12,652 | ₹0 |
In the early years most of each EMI goes to interest; in year 1 you repay only ₹63,410 of principal. Prepaying early saves the most interest.
At 8% a year, the EMI on ₹30,00,000 is ₹25,093 for 20 years and ₹22,013 for 30 years.
Over 20 years at 8% you pay ₹30,22,368 in interest, so the total repayment is ₹60,22,368.
Lenders usually want your EMIs under about half of your take-home pay, so a net monthly income of about ₹50,186 or more for ₹25,093 a month (less if you have no other loans; more if you do).