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₹100 lakh home loan EMI (2026)
The EMI on a ₹100 lakh home loan at 8.5% for 20 years is ₹86,782 a month. Over the loan you repay ₹2,08,27,758 — ₹1,08,27,758 of it interest. For 15 years the EMI is ₹98,474; for 30 years ₹76,891.
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Result
Monthly EMI
Principal
Total interest
Total payment
| Year | Principal | Interest | Balance |
|---|
₹100 lakh EMI by rate and tenure
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 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 |