Free · No signup · Works offline
EMI on a ₹80 Lakh Home Loan: Monthly Payment by Rate
A ₹80 Lakh Home Loan at 9% for 20 years costs about ₹71,978 a month. See the full table of rates and tenures.
₹80 Lakh
Rates shown are examples. Check your bank's current rate.
Monthly EMI
₹69,426
- Principal: ₹80,00,000
- Total interest: ₹86,62,206
- Total payment: ₹1,66,62,206
🛠️ Spotted a mistake or an out-of-date rule? Tell us
EMI on a ₹80 Lakh Home Loan by rate and tenure
On a ₹80 Lakh Home Loan at 9% for 20 years, the EMI is about ₹71,978 a month and the total interest ₹92,74,738. Over 15 years the EMI rises to ₹81,141, but you save ₹26,69,300 in interest.
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 8% | ₹97,062 | ₹76,452 | ₹66,915 | ₹61,745 | ₹58,701 |
| 8.5% | ₹99,189 | ₹78,779 | ₹69,426 | ₹64,418 | ₹61,513 |
| 9% | ₹1,01,341 | ₹81,141 | ₹71,978 | ₹67,136 | ₹64,370 |
| 9.5% | ₹1,03,518 | ₹83,538 | ₹74,570 | ₹69,896 | ₹67,268 |
| 10% | ₹1,05,721 | ₹85,968 | ₹77,202 | ₹72,696 | ₹70,206 |
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.