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₹1 crore home loan EMI

The monthly EMI for a ₹1 crore home loan at 8.5% is ₹86,782 over 20 years or ₹76,891 over 30 years. Change the rate and tenure below to see your exact EMI.

Your monthly EMI

₹86,782

Interest

52.0%

  • Principal amount₹1,00,00,000
  • Total interest₹1,08,27,758

Total interest

₹1.08 Cr

Total payment

₹2.08 Cr

Monthly EMI ₹86,782. Total interest ₹1,08,27,758. Total payment ₹2,08,27,758.

Where your money goes, year by year

Early EMIs are mostly interest. The principal share grows every year.

  • Principal
  • Interest
Show amortization schedule
Yearly loan repayment schedule
YearPrincipalInterestBalance
1₹1,99,023₹8,42,365₹98,00,977
2₹2,16,615₹8,24,773₹95,84,362
3₹2,35,762₹8,05,626₹93,48,601
4₹2,56,601₹7,84,787₹90,92,000
5₹2,79,282₹7,62,106₹88,12,718
6₹3,03,968₹7,37,420₹85,08,750
7₹3,30,836₹7,10,552₹81,77,915
8₹3,60,079₹6,81,309₹78,17,836
9₹3,91,906₹6,49,482₹74,25,930
10₹4,26,547₹6,14,841₹69,99,382
11₹4,64,250₹5,77,138₹65,35,132
12₹5,05,286₹5,36,102₹60,29,846
13₹5,49,948₹4,91,439₹54,79,898
14₹5,98,559₹4,42,829₹48,81,339
15₹6,51,466₹3,89,922₹42,29,873
16₹7,09,050₹3,32,338₹35,20,823
17₹7,71,723₹2,69,665₹27,49,100
18₹8,39,937₹2,01,451₹19,09,164
19₹9,14,179₹1,27,209₹9,94,984
20₹9,94,984₹46,403₹0

Results are estimates based on the figures you enter and standard formulas. They are for information only and are not financial, investment, tax or legal advice. Rates and rules change, so confirm with your bank, fund house, employer or tax adviser before you decide. Read the full disclaimer.

₹1 crore home loan EMI at different rates

Monthly EMI for a loan of ₹1,00,00,000. Find your bank’s rate in the left column and your tenure along the top.

EMI for a ₹1 crore home loan by interest rate and tenure
Rate10 yrs15 yrs20 yrs25 yrs30 yrs
7.5%₹1,18,702₹92,701₹80,559₹73,899₹69,921
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

Total interest you will pay

At 8.5% a year, the tenure you choose makes a huge difference to the total cost:

Total interest by tenure at 8.5%
TenureMonthly EMITotal interestTotal paid
10 years₹1,23,986₹48,78,283₹1,48,78,283
15 years₹98,474₹77,25,312₹1,77,25,312
20 years₹86,782₹1,08,27,758₹2,08,27,758
25 years₹80,523₹1,41,56,813₹2,41,56,813
30 years₹76,891₹1,76,80,885₹2,76,80,885

Choosing 20 years instead of 30 saves ₹68,53,128 in interest, for an EMI that is only ₹9,891 a month higher.

Salary needed for a ₹1 crore home loan

Most lenders keep your total EMIs within about 40–60% of your net monthly income. Using 50% as a rule of thumb and no other loans:

  • 15 years: take-home pay of about ₹1,97,000 a month
  • 20 years: take-home pay of about ₹1,74,000 a month
  • 30 years: take-home pay of about ₹1,54,000 a month

The exact amount depends on the lender, your credit score, age and existing loans.

Down payment

RBI rules let banks lend up to 75% of the property value for a loan of ₹1 crore. That means this loan fits a property worth up to about ₹1,33,33,333, and you need at least ₹33,33,333 of your own money, plus stamp duty, registration and other costs, which banks do not finance.

Pay it off faster

Even small prepayments early in the loan save lakhs in interest. See exactly how much with the home loan prepayment calculator.

Need a different amount or loan type? Use the home loan EMI calculator or the general EMI calculator.

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Frequently asked questions

What is the EMI for a ₹1 crore home loan for 20 years?
At 8.5% interest, the EMI for a ₹1 crore home loan over 20 years is ₹86,782 a month. You would pay ₹1,08,27,758 in interest in total.
What is the EMI for a ₹1 crore home loan for 30 years?
At 8.5%, the EMI over 30 years is ₹76,891 a month, but total interest rises to ₹1,76,80,885.
What salary do I need for a ₹1 crore home loan?
Lenders usually want your total EMIs to stay within about 50% of your net monthly income. For a 20-year loan at 8.5%, that means a take-home salary of roughly ₹1,74,000 a month or more, if you have no other loans.
How much down payment is needed for a ₹1 crore home loan?
RBI allows banks to lend up to 75% of the property value for a loan of this size. So a ₹1 crore loan suits a property worth up to about ₹1,33,33,333, with a down payment of at least ₹33,33,333, plus stamp duty and registration.