1 crore Home Loan EMI
Monthly EMI, total interest, and amortization for a ₹1 crore home loan across 2026 rates and tenures.
Standard reducing-balance EMI formula, the same method banks use. Actual offers add processing fees, insurance, and rate spreads based on your credit profile — treat this as the baseline instalment for comparing loans, not a sanctioned quote.
1 crore EMI across rates and tenures
Monthly EMI for a ₹1 crore loan at each combination. Longer tenure lowers the EMI but raises total interest sharply.
| Tenure | 8% | 8.5% | 9% | 9.5% | 10% |
|---|---|---|---|---|---|
| 10 years | ₹1,21,328 | ₹1,23,986 | ₹1,26,676 | ₹1,29,398 | ₹1,32,151 |
| 15 years | ₹95,565 | ₹98,474 | ₹1,01,427 | ₹1,04,422 | ₹1,07,461 |
| 20 years | ₹83,644 | ₹86,782 | ₹89,973 | ₹93,213 | ₹96,502 |
| 25 years | ₹77,182 | ₹80,523 | ₹83,920 | ₹87,370 | ₹90,870 |
| 30 years | ₹73,376 | ₹76,891 | ₹80,462 | ₹84,085 | ₹87,757 |
How the balance falls (8.5%, 20 years)
| After year | Interest paid that year | Principal paid that year | Outstanding balance |
|---|---|---|---|
| 1 | ₹8,42,365 | ₹1,99,019 | ₹98,00,981 |
| 5 | ₹7,62,108 | ₹2,79,276 | ₹88,12,742 |
| 10 | ₹6,14,845 | ₹4,26,539 | ₹69,99,443 |
| 15 | ₹3,89,931 | ₹6,51,453 | ₹42,29,990 |
| 20 | ₹46,420 | ₹9,94,964 | ₹203 |
Frequently asked questions
What is the EMI for a ₹1 crore home loan?
At 8.5% interest for 20 years, the EMI on a ₹1 crore home loan is ₹86,782 per month. Over the full tenure you pay ₹1,08,27,758 in interest, for a total outlay of ₹2,08,27,758.
What is the EMI for ₹1 crore for 10 years?
₹1,23,986 per month at 8.5%. The shorter tenure raises the monthly outgo but cuts total interest to ₹48,78,283 — versus ₹1,08,27,758 over 20 years.
How much salary do I need for a ₹1 crore home loan?
Banks typically cap total EMIs at 40–50% of net monthly income. At the ₹86,782 EMI (8.5%, 20 years), that implies a net monthly income of roughly ₹1,92,849 or more, assuming no other loans. Exact eligibility varies by lender and credit profile.
How much interest do I pay on a ₹1 crore loan?
At 8.5% over 20 years: ₹1,08,27,758 — about 108% of the amount borrowed. Dropping to 15 years cuts interest to ₹77,25,312.
Other loan amounts
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