EMI on ₹1 crore Home Loan for 20 years

The EMI on a ₹1 crore home loan for 20 years at 8.5% a year is ₹86,782 a month. You pay ₹1,08,27,758 as interest, so the total repaid is ₹2,08,27,758.

Loan amount: ₹1,00,00,000
Interest rate: 8.5% a year
Tenure: 20 years (240 months)
Monthly EMI: ₹86,782
Total interest: ₹1,08,27,758
Total amount paid: ₹2,08,27,758

If the rate is different

At 8% the EMI would be ₹83,644; at 9% it would be ₹89,973. Every 0.5% changes the total interest by about ₹7,65,665 over the full tenure.

Year by year

Year	Principal paid	Interest paid	Loan left
1	₹1,99,023	₹8,42,365	₹98,00,977
2	₹2,16,615	₹8,24,773	₹95,84,362
3	₹2,35,762	₹8,05,626	₹93,48,601
4	₹2,56,601	₹7,84,787	₹90,92,000
5	₹2,79,282	₹7,62,106	₹88,12,718
6	₹3,03,968	₹7,37,420	₹85,08,750
7	₹3,30,836	₹7,10,552	₹81,77,915
8	₹3,60,079	₹6,81,309	₹78,17,836
9	₹3,91,906	₹6,49,482	₹74,25,930
10	₹4,26,547	₹6,14,841	₹69,99,382
11	₹4,64,250	₹5,77,138	₹65,35,132
12	₹5,05,286	₹5,36,102	₹60,29,846
13	₹5,49,948	₹4,91,439	₹54,79,898
14	₹5,98,559	₹4,42,829	₹48,81,339
15	₹6,51,466	₹3,89,922	₹42,29,873
16	₹7,09,050	₹3,32,338	₹35,20,823
17	₹7,71,723	₹2,69,665	₹27,49,100
18	₹8,39,937	₹2,01,451	₹19,09,164
19	₹9,14,179	₹1,27,209	₹9,94,984
20	₹9,94,984	₹46,403	₹0

If the interest rate is different

Rate	Monthly EMI	Total interest
7.5%	₹80,559	₹93,34,237
8%	₹83,644	₹1,00,74,562
8.5% (this page)	₹86,782	₹1,08,27,758
9%	₹89,973	₹1,15,93,423
9.5%	₹93,213	₹1,23,71,149

Even 0.5% less on the rate saves a lot over a long loan, so compare lenders and ask about rate reductions every year.

Good to know

Banks usually want all your EMIs under 40–50% of your take-home pay.
Part-payments early in the loan cut the most interest, because early EMIs are mostly interest.
Check the processing fee and any prepayment charges, not just the rate.