Selvayana: What is the EMI on a ₹1 crore home loan?Educational estimate, not investment advice. Selvayana is not registered with SEBI as an Investment Adviser or Research Analyst. Figures use the assumptions shown and are not predictions.
What is the EMI on a ₹1 crore home loan?
About ₹86,782 a month over 20 years at 8.5% interest.
Over 15 years₹98,474/mo
Over 25 years₹80,523/mo
Over 30 years₹76,891/mo
Over 20 years you'd repay about ₹2.08 Cr, of which ₹1.08 Cr is interest. A shorter tenure raises the EMI but cuts total interest sharply. Change the rate and tenure below to match your bank's offer.
Detailed breakdown
Last reviewed October 2026 · How we calculate · About Selvayana
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