Home Loan EMI Calculator (Oct 2026)
Calculate the monthly EMI, total interest and repayment schedule for any home loan. Defaults use 7.5% for 20 years; change them to match your offer.
Home Loan EMI for common amounts
| Loan amount | EMI (7.5%, 20 yr) | Total interest | |
|---|---|---|---|
| ₹10 Lakh | ₹8,056 | ₹9,33,424 | All rates |
| ₹15 Lakh | ₹12,084 | ₹14,00,135 | All rates |
| ₹20 Lakh | ₹16,112 | ₹18,66,847 | All rates |
| ₹25 Lakh | ₹20,140 | ₹23,33,559 | All rates |
| ₹30 Lakh | ₹24,168 | ₹28,00,271 | All rates |
| ₹35 Lakh | ₹28,196 | ₹32,66,983 | All rates |
| ₹40 Lakh | ₹32,224 | ₹37,33,695 | All rates |
| ₹45 Lakh | ₹36,252 | ₹42,00,406 | All rates |
| ₹50 Lakh | ₹40,280 | ₹46,67,118 | All rates |
| ₹60 Lakh | ₹48,336 | ₹56,00,542 | All rates |
| ₹70 Lakh | ₹56,392 | ₹65,33,966 | All rates |
| ₹75 Lakh | ₹60,419 | ₹70,00,677 | All rates |
| ₹80 Lakh | ₹64,447 | ₹74,67,389 | All rates |
| ₹90 Lakh | ₹72,503 | ₹84,00,813 | All rates |
| ₹1 Crore | ₹80,559 | ₹93,34,237 | All rates |
| ₹1.5 Crore | ₹1,20,839 | ₹1,40,01,355 | All rates |
| ₹2 Crore | ₹1,61,119 | ₹1,86,68,473 | All rates |
Home loan rates at major banks currently start around 7.2–7.5% p.a. for good credit scores and go up to about 9.5–10% for weaker profiles.
Frequently asked questions
What is the current home loan interest rate?
Home loan rates at major banks currently start around 7.2–7.5% p.a. for good credit scores and go up to about 9.5–10% for weaker profiles. Your exact rate depends on credit score, income, employer and the lender.
What is the maximum tenure for a home loan?
Lenders typically offer up to 30 years for a home loan. A longer tenure lowers the EMI but increases total interest.
Does prepaying reduce my EMI?
Part-prepayment reduces the outstanding principal. You can usually choose to keep the EMI and shorten the tenure (saves the most interest) or keep the tenure and lower the EMI. Floating-rate loans to individuals carry no prepayment penalty under RBI rules.