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₹25 lakh home loan EMI (2026)
The EMI on a ₹25 lakh home loan at 8.5% for 20 years is ₹21,696 a month. Over the loan you repay ₹52,06,939 — ₹27,06,939 of it interest. For 15 years the EMI is ₹24,618; for 30 years ₹19,223.
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Result
Monthly EMI
Principal
Total interest
Total payment
| Year | Principal | Interest | Balance |
|---|
₹25 lakh EMI by rate and tenure
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 7.5% | ₹29,675 | ₹23,175 | ₹20,140 | ₹18,475 | ₹17,480 |
| 8% | ₹30,332 | ₹23,891 | ₹20,911 | ₹19,295 | ₹18,344 |
| 8.5% | ₹30,996 | ₹24,618 | ₹21,696 | ₹20,131 | ₹19,223 |
| 9% | ₹31,669 | ₹25,357 | ₹22,493 | ₹20,980 | ₹20,116 |
| 9.5% | ₹32,349 | ₹26,106 | ₹23,303 | ₹21,842 | ₹21,021 |
| 10% | ₹33,038 | ₹26,865 | ₹24,126 | ₹22,718 | ₹21,939 |