EMI for ₹1 crore loan

Monthly EMI, total interest and income needed for a ₹1 crore home loan, across interest rates and tenures.

Last reviewed 18 October 2026

Monthly EMI₹86,782at 8.5% for 20 years

Total interest₹1,08,27,758over the full tenure

Total payable₹2,08,27,758principal + interest

Take-home income needed₹1,73,565if EMI is 50% of income

Loan details

Drag the sliders or type exact values.

Loan amount

₹

₹10K₹1 Cr

Interest rate

% p.a.

1%30%

Loan tenure

yrs

1 yr30 yrs

Monthly take-home incomeOptional. Checks if the EMI is affordable.₹

Your EMI

Reducing-balance method, the way banks calculate it.

Monthly EMI₹86,782for 240 months (20 yrs)

Principal amount: ₹1,00,00,000
Total interest: ₹1,08,27,758
Total amount payable: ₹2,08,27,758

Total payable₹2.08 Cr

Interest adds ₹1,08,27,758 to your loan, the same as about 125 EMIs.
Until month 143 (year 12), most of each EMI pays interest rather than the loan itself.
Paying ₹9,000 more a month closes the loan 4 yrs 1 mo early and saves about ₹25,33,334.

Plan prepayments

Lump sums and yearly top-ups cut interest the most when made early.

Bonus, maturing FD or tax refund? Add it as a prepayment and see how much interest it saves.

Raise EMI every yearMatches your salary hikes.%

What if interest rates change?

Test a repo-rate rise or cut on a floating-rate loan.

Floating-rate loans follow the RBI repo rate. Add a rise or a cut to see what it does to your EMI and loan end date.

Loan balance over time

How fast the outstanding balance falls. Prepayments make this curve steeper.

Compare loan offers

Same amount, different banks? See which is really cheaper.

Compare loan offers side by sideEnter each bank's amount, rate and tenure above, then add it here. Up to 4 offers.

Amortization schedule

Open a year to see each month's split.

EMI	Principal	Interest	Balance	Loan paid
₹86,782	₹1,99,023	₹8,42,365	₹98,00,977	2%
₹86,782	₹2,16,615	₹8,24,773	₹95,84,362	4%
₹86,782	₹2,35,762	₹8,05,626	₹93,48,601	7%
₹86,782	₹2,56,601	₹7,84,787	₹90,92,000	9%
₹86,782	₹2,79,282	₹7,62,106	₹88,12,718	12%
₹86,782	₹3,03,968	₹7,37,420	₹85,08,750	15%
₹86,782	₹3,30,836	₹7,10,552	₹81,77,915	18%
₹86,782	₹3,60,079	₹6,81,309	₹78,17,836	22%
₹86,782	₹3,91,906	₹6,49,482	₹74,25,930	26%
₹86,782	₹4,26,547	₹6,14,841	₹69,99,382	30%
₹86,782	₹4,64,250	₹5,77,138	₹65,35,132	35%
₹86,782	₹5,05,286	₹5,36,102	₹60,29,846	40%
₹86,782	₹5,49,948	₹4,91,439	₹54,79,898	45%
₹86,782	₹5,98,559	₹4,42,829	₹48,81,339	51%
₹86,782	₹6,51,466	₹3,89,922	₹42,29,873	58%
₹86,782	₹7,09,050	₹3,32,338	₹35,20,823	65%
₹86,782	₹7,71,723	₹2,69,665	₹27,49,100	73%
₹86,782	₹8,39,937	₹2,01,451	₹19,09,164	81%
₹86,782	₹9,14,179	₹1,27,209	₹9,94,984	90%
₹86,782	₹9,94,984	₹46,403	₹0	100%

The details

₹1 crore loan EMI by interest rate and tenure

Monthly EMI on ₹1,00,00,000 (reducing balance):

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

Total interest on ₹1 crore at 8.5%

Tenure	EMI	Total interest	Total payable
10 years	₹1,23,986	₹48,78,283	₹1,48,78,283
15 years	₹98,474	₹77,25,312	₹1,77,25,312
20 years	₹86,782	₹1,08,27,758	₹2,08,27,758
25 years	₹80,523	₹1,41,56,813	₹2,41,56,813
30 years	₹76,891	₹1,76,80,885	₹2,76,80,885

Use the calculator above to add prepayments or test a rate change, or try the full EMI calculator.

Frequently asked questions

What is the EMI for a ₹1 crore loan?

At 8.5% a year for 20 years, the EMI on ₹1 crore is ₹86,782 a month. You would repay ₹2,08,27,758 in total, of which ₹1,08,27,758 is interest.

How much salary do I need for a ₹1 crore loan?

Most lenders keep your EMIs within about 40–50% of take-home income. For an EMI of ₹86,782, that means a monthly take-home of roughly ₹1,73,565 or more, less if you have no other EMIs and a strong credit score.

How much does 0.5% lower interest save on ₹1 crore?

At 8% instead of 8.5% for 20 years, the EMI falls to ₹83,644 and you save ₹7,53,196 in interest over the loan.

Should I choose a longer tenure for a ₹1 crore loan?

A longer tenure lowers the EMI but raises total interest sharply. Choose the shortest tenure whose EMI fits your budget comfortably, and prepay when you can.

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Results are estimates for illustration, not tax or financial advice.