- ₹10 lakh home loan ₹8,678/mo at 8.5%
- ₹15 lakh home loan ₹13,017/mo at 8.5%
- ₹20 lakh home loan ₹17,356/mo at 8.5%
- ₹25 lakh home loan ₹21,696/mo at 8.5%
- ₹30 lakh home loan ₹26,035/mo at 8.5%
- ₹35 lakh home loan ₹30,374/mo at 8.5%
- ₹40 lakh home loan ₹34,713/mo at 8.5%
- ₹45 lakh home loan ₹39,052/mo at 8.5%
- ₹50 lakh home loan ₹43,391/mo at 8.5%
- ₹60 lakh home loan ₹52,069/mo at 8.5%
- ₹70 lakh home loan ₹60,748/mo at 8.5%
- ₹75 lakh home loan ₹65,087/mo at 8.5%
- ₹80 lakh home loan ₹69,426/mo at 8.5%
- ₹90 lakh home loan ₹78,104/mo at 8.5%
- ₹1 crore home loan ₹86,782/mo at 8.5%
20-year home loan EMIs at a glance
Monthly EMI on a reducing balance. Property tax, insurance and society maintenance are extra.
| Loan | 7.5% | 8% | 8.5% | 9% | 9.5% | 10% |
|---|---|---|---|---|---|---|
| ₹10 lakh | ₹8,056 | ₹8,364 | ₹8,678 | ₹8,997 | ₹9,321 | ₹9,650 |
| ₹15 lakh | ₹12,084 | ₹12,547 | ₹13,017 | ₹13,496 | ₹13,982 | ₹14,475 |
| ₹20 lakh | ₹16,112 | ₹16,729 | ₹17,356 | ₹17,995 | ₹18,643 | ₹19,300 |
| ₹25 lakh | ₹20,140 | ₹20,911 | ₹21,696 | ₹22,493 | ₹23,303 | ₹24,126 |
| ₹30 lakh | ₹24,168 | ₹25,093 | ₹26,035 | ₹26,992 | ₹27,964 | ₹28,951 |
| ₹35 lakh | ₹28,196 | ₹29,275 | ₹30,374 | ₹31,490 | ₹32,625 | ₹33,776 |
| ₹40 lakh | ₹32,224 | ₹33,458 | ₹34,713 | ₹35,989 | ₹37,285 | ₹38,601 |
| ₹45 lakh | ₹36,252 | ₹37,640 | ₹39,052 | ₹40,488 | ₹41,946 | ₹43,426 |
| ₹50 lakh | ₹40,280 | ₹41,822 | ₹43,391 | ₹44,986 | ₹46,607 | ₹48,251 |
| ₹60 lakh | ₹48,336 | ₹50,186 | ₹52,069 | ₹53,984 | ₹55,928 | ₹57,901 |
| ₹70 lakh | ₹56,392 | ₹58,551 | ₹60,748 | ₹62,981 | ₹65,249 | ₹67,552 |
| ₹75 lakh | ₹60,419 | ₹62,733 | ₹65,087 | ₹67,479 | ₹69,910 | ₹72,377 |
| ₹80 lakh | ₹64,447 | ₹66,915 | ₹69,426 | ₹71,978 | ₹74,570 | ₹77,202 |
| ₹90 lakh | ₹72,503 | ₹75,280 | ₹78,104 | ₹80,975 | ₹83,892 | ₹86,852 |
| ₹1 crore | ₹80,559 | ₹83,644 | ₹86,782 | ₹89,973 | ₹93,213 | ₹96,502 |
30-year home loan EMIs
A longer tenure lowers the EMI but adds a lot of interest over the life of the loan.
| Loan | 7.5% | 8% | 8.5% | 9% | 9.5% | 10% |
|---|---|---|---|---|---|---|
| ₹10 lakh | ₹6,992 | ₹7,338 | ₹7,689 | ₹8,046 | ₹8,409 | ₹8,776 |
| ₹15 lakh | ₹10,488 | ₹11,006 | ₹11,534 | ₹12,069 | ₹12,613 | ₹13,164 |
| ₹20 lakh | ₹13,984 | ₹14,675 | ₹15,378 | ₹16,092 | ₹16,817 | ₹17,551 |
| ₹25 lakh | ₹17,480 | ₹18,344 | ₹19,223 | ₹20,116 | ₹21,021 | ₹21,939 |
| ₹30 lakh | ₹20,976 | ₹22,013 | ₹23,067 | ₹24,139 | ₹25,226 | ₹26,327 |
| ₹35 lakh | ₹24,473 | ₹25,682 | ₹26,912 | ₹28,162 | ₹29,430 | ₹30,715 |
| ₹40 lakh | ₹27,969 | ₹29,351 | ₹30,757 | ₹32,185 | ₹33,634 | ₹35,103 |
| ₹45 lakh | ₹31,465 | ₹33,019 | ₹34,601 | ₹36,208 | ₹37,838 | ₹39,491 |
| ₹50 lakh | ₹34,961 | ₹36,688 | ₹38,446 | ₹40,231 | ₹42,043 | ₹43,879 |
| ₹60 lakh | ₹41,953 | ₹44,026 | ₹46,135 | ₹48,277 | ₹50,451 | ₹52,654 |
| ₹70 lakh | ₹48,945 | ₹51,364 | ₹53,824 | ₹56,324 | ₹58,860 | ₹61,430 |
| ₹75 lakh | ₹52,441 | ₹55,032 | ₹57,669 | ₹60,347 | ₹63,064 | ₹65,818 |
| ₹80 lakh | ₹55,937 | ₹58,701 | ₹61,513 | ₹64,370 | ₹67,268 | ₹70,206 |
| ₹90 lakh | ₹62,929 | ₹66,039 | ₹69,202 | ₹72,416 | ₹75,677 | ₹78,981 |
| ₹1 crore | ₹69,921 | ₹73,376 | ₹76,891 | ₹80,462 | ₹84,085 | ₹87,757 |
Take-home pay needed
Lenders usually keep all your EMIs within about 40–50% of your net monthly income (FOIR). With no other loans, at 8.5% over 20 years:
| Loan | EMI | At 50% FOIR | At 40% FOIR |
|---|---|---|---|
| ₹10 lakh | ₹8,678 | ₹17,356 | ₹21,696 |
| ₹15 lakh | ₹13,017 | ₹26,035 | ₹32,543 |
| ₹20 lakh | ₹17,356 | ₹34,713 | ₹43,391 |
| ₹25 lakh | ₹21,696 | ₹43,391 | ₹54,239 |
| ₹30 lakh | ₹26,035 | ₹52,069 | ₹65,087 |
| ₹35 lakh | ₹30,374 | ₹60,748 | ₹75,935 |
| ₹40 lakh | ₹34,713 | ₹69,426 | ₹86,782 |
| ₹45 lakh | ₹39,052 | ₹78,104 | ₹97,630 |
| ₹50 lakh | ₹43,391 | ₹86,782 | ₹1,08,478 |
| ₹60 lakh | ₹52,069 | ₹1,04,139 | ₹1,30,173 |
| ₹70 lakh | ₹60,748 | ₹1,21,495 | ₹1,51,869 |
| ₹75 lakh | ₹65,087 | ₹1,30,173 | ₹1,62,717 |
| ₹80 lakh | ₹69,426 | ₹1,38,852 | ₹1,73,565 |
| ₹90 lakh | ₹78,104 | ₹1,56,208 | ₹1,95,260 |
| ₹1 crore | ₹86,782 | ₹1,73,565 | ₹2,16,956 |
For your own numbers, including property tax, maintenance and part-prepayments, use the home loan EMI calculator. To see the largest loan your income supports, try the home loan eligibility calculator. Rates shown are examples, not quotes, and CredoCalc is not a lender.