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₹30 lakh home loan EMI (2026)
The EMI on a ₹30 lakh home loan at 8.5% for 20 years is ₹26,035 a month. Over the loan you repay ₹62,48,327 — ₹32,48,327 of it interest. For 15 years the EMI is ₹29,542; for 30 years ₹23,067.
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Result
Monthly EMI
Principal
Total interest
Total payment
| Year | Principal | Interest | Balance |
|---|
₹30 lakh EMI by rate and tenure
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 7.5% | ₹35,611 | ₹27,810 | ₹24,168 | ₹22,170 | ₹20,976 |
| 8% | ₹36,398 | ₹28,670 | ₹25,093 | ₹23,154 | ₹22,013 |
| 8.5% | ₹37,196 | ₹29,542 | ₹26,035 | ₹24,157 | ₹23,067 |
| 9% | ₹38,003 | ₹30,428 | ₹26,992 | ₹25,176 | ₹24,139 |
| 9.5% | ₹38,819 | ₹31,327 | ₹27,964 | ₹26,211 | ₹25,226 |
| 10% | ₹39,645 | ₹32,238 | ₹28,951 | ₹27,261 | ₹26,327 |