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₹20 lakh home loan EMI (2026)
The EMI on a ₹20 lakh home loan at 8.5% for 20 years is ₹17,356 a month. Over the loan you repay ₹41,65,552 — ₹21,65,552 of it interest. For 15 years the EMI is ₹19,695; for 30 years ₹15,378.
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Result
Monthly EMI
Principal
Total interest
Total payment
| Year | Principal | Interest | Balance |
|---|
₹20 lakh EMI by rate and tenure
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 7.5% | ₹23,740 | ₹18,540 | ₹16,112 | ₹14,780 | ₹13,984 |
| 8% | ₹24,266 | ₹19,113 | ₹16,729 | ₹15,436 | ₹14,675 |
| 8.5% | ₹24,797 | ₹19,695 | ₹17,356 | ₹16,105 | ₹15,378 |
| 9% | ₹25,335 | ₹20,285 | ₹17,995 | ₹16,784 | ₹16,092 |
| 9.5% | ₹25,880 | ₹20,884 | ₹18,643 | ₹17,474 | ₹16,817 |
| 10% | ₹26,430 | ₹21,492 | ₹19,300 | ₹18,174 | ₹17,551 |