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EMI on a ₹1 Crore Home Loan: Monthly Payment by Rate
A ₹1 Crore Home Loan at 9% for 20 years costs about ₹89,973 a month. See the full table of rates and tenures.
₹1 Crore
Rates shown are examples. Check your bank's current rate.
Monthly EMI
₹86,782
- Principal: ₹1,00,00,000
- Total interest: ₹1,08,27,758
- Total payment: ₹2,08,27,758
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EMI on a ₹1 Crore Home Loan by rate and tenure
On a ₹1 Crore Home Loan at 9% for 20 years, the EMI is about ₹89,973 a month and the total interest ₹1,15,93,423. Over 15 years the EMI rises to ₹1,01,427, but you save ₹33,36,624 in interest.
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 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 |
Monthly EMI on the reducing balance. Processing fees and insurance are not included.
Questions people ask
How is EMI calculated?+
EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is the loan amount, r the monthly interest rate (annual rate ÷ 12 ÷ 100) and n the number of months.
How can I reduce my EMI or total interest?+
A longer tenure lowers EMI but increases total interest. A lower rate, bigger down payment or part-prepayments reduce total interest the most.
Is this EMI calculator accurate?+
It uses the standard reducing-balance formula used by Indian banks. Your bank's final EMI may differ slightly due to fees, rounding or the date of disbursement.