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₹10 lakh home loan EMI (2026)
The EMI on a ₹10 lakh home loan at 8.5% for 20 years is ₹8,678 a month. Over the loan you repay ₹20,82,776 — ₹10,82,776 of it interest. For 15 years the EMI is ₹9,847; for 30 years ₹7,689.
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Result
Monthly EMI
Principal
Total interest
Total payment
| Year | Principal | Interest | Balance |
|---|
₹10 lakh EMI by rate and tenure
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 7.5% | ₹11,870 | ₹9,270 | ₹8,056 | ₹7,390 | ₹6,992 |
| 8% | ₹12,133 | ₹9,557 | ₹8,364 | ₹7,718 | ₹7,338 |
| 8.5% | ₹12,399 | ₹9,847 | ₹8,678 | ₹8,052 | ₹7,689 |
| 9% | ₹12,668 | ₹10,143 | ₹8,997 | ₹8,392 | ₹8,046 |
| 9.5% | ₹12,940 | ₹10,442 | ₹9,321 | ₹8,737 | ₹8,409 |
| 10% | ₹13,215 | ₹10,746 | ₹9,650 | ₹9,087 | ₹8,776 |