₹1 Crore Home Loan EMI (Oct 2026)
The EMI on a ₹1 Crore home loan is ₹80,559/month at 7.5% for 20 years. You repay ₹1,93,34,237 in total, of which ₹93,34,237 is interest.
Monthly EMI₹80,559
Total interest₹93,34,237
Total payment₹1,93,34,237
Salary needed (approx.)₹1,61,119/mo
₹1 Crore home loan EMI by rate and tenure
| Rate \ Tenure | 10 yr | 15 yr | 20 yr | 25 yr | 30 yr |
|---|---|---|---|---|---|
| 7.25% | ₹1,17,401 | ₹91,286 | ₹79,038 | ₹72,281 | ₹68,218 |
| 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 |
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. Highlighted cell = 7.5% for 20 years.
Calculate with your own rate
Can you afford it?
Banks generally keep all your EMIs under about half of your take-home pay. For ₹80,559 a month that means a net salary of around ₹1,61,119. Check your exact limit with the loan eligibility calculator.
Year-wise repayment at 7.5% for 20 years
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹2,24,319 | ₹7,42,393 | ₹97,75,681 |
| 2 | ₹2,41,733 | ₹7,24,979 | ₹95,33,948 |
| 3 | ₹2,60,500 | ₹7,06,212 | ₹92,73,449 |
| 4 | ₹2,80,723 | ₹6,85,989 | ₹89,92,726 |
| 5 | ₹3,02,516 | ₹6,64,196 | ₹86,90,210 |
| 6 | ₹3,26,001 | ₹6,40,711 | ₹83,64,209 |
| 7 | ₹3,51,309 | ₹6,15,402 | ₹80,12,899 |
| 8 | ₹3,78,582 | ₹5,88,129 | ₹76,34,317 |
| 9 | ₹4,07,973 | ₹5,58,739 | ₹72,26,344 |
| 10 | ₹4,39,645 | ₹5,27,067 | ₹67,86,699 |
| 11 | ₹4,73,776 | ₹4,92,936 | ₹63,12,924 |
| 12 | ₹5,10,556 | ₹4,56,156 | ₹58,02,367 |
| 13 | ₹5,50,192 | ₹4,16,520 | ₹52,52,176 |
| 14 | ₹5,92,905 | ₹3,73,807 | ₹46,59,271 |
| 15 | ₹6,38,933 | ₹3,27,778 | ₹40,20,338 |
| 16 | ₹6,88,535 | ₹2,78,176 | ₹33,31,802 |
| 17 | ₹7,41,988 | ₹2,24,724 | ₹25,89,814 |
| 18 | ₹7,99,591 | ₹1,67,121 | ₹17,90,223 |
| 19 | ₹8,61,665 | ₹1,05,047 | ₹9,28,558 |
| 20 | ₹9,28,558 | ₹38,154 | ₹0 |
Frequently asked questions
What is the EMI on a ₹1 Crore home loan?
At 7.5% interest for 20 years, the EMI on a ₹1 Crore home loan is ₹80,559 per month. Depending on the rate (7.25–9.5%) and tenure (10–30 years), it ranges from about ₹68,218 to ₹1,29,398.
How much total interest will I pay on ₹1 Crore?
Over 20 years at 7.5%, total interest is ₹93,34,237 and total repayment is ₹1,93,34,237. A shorter tenure raises the EMI but cuts total interest sharply.
What salary do I need for a ₹1 Crore home loan?
Most lenders cap total EMIs at about 50% of net monthly income. For an EMI of ₹80,559 you would need a take-home salary of roughly ₹1,61,119 a month. Existing EMIs reduce how much you can borrow.
How is the EMI calculated?
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100) and n is the number of monthly instalments. This is the reducing-balance method used by Indian banks.