The EMI on a ₹1 crore home loan for 30 years at 8.5% a year is ₹76,891 a month. You pay ₹1,76,80,885 as interest, so the total repaid is ₹2,76,80,885.
At 8% the EMI would be ₹73,376; at 9% it would be ₹80,462. Every 0.5% changes the total interest by about ₹12,85,529 over the full tenure.
| Year | Principal paid | Interest paid | Loan left |
|---|---|---|---|
| 1 | ₹75,596 | ₹8,47,100 | ₹99,24,404 |
| 2 | ₹82,278 | ₹8,40,418 | ₹98,42,125 |
| 3 | ₹89,551 | ₹8,33,145 | ₹97,52,575 |
| 4 | ₹97,466 | ₹8,25,230 | ₹96,55,108 |
| 5 | ₹1,06,082 | ₹8,16,615 | ₹95,49,027 |
| 6 | ₹1,15,458 | ₹8,07,238 | ₹94,33,568 |
| 7 | ₹1,25,664 | ₹7,97,033 | ₹93,07,905 |
| 8 | ₹1,36,771 | ₹7,85,925 | ₹91,71,134 |
| 9 | ₹1,48,861 | ₹7,73,836 | ₹90,22,273 |
| 10 | ₹1,62,018 | ₹7,60,678 | ₹88,60,255 |
| 11 | ₹1,76,339 | ₹7,46,357 | ₹86,83,915 |
| 12 | ₹1,91,926 | ₹7,30,770 | ₹84,91,989 |
| 13 | ₹2,08,891 | ₹7,13,805 | ₹82,83,098 |
| 14 | ₹2,27,355 | ₹6,95,341 | ₹80,55,744 |
| 15 | ₹2,47,451 | ₹6,75,245 | ₹78,08,293 |
| 16 | ₹2,69,323 | ₹6,53,373 | ₹75,38,970 |
| 17 | ₹2,93,129 | ₹6,29,567 | ₹72,45,841 |
| 18 | ₹3,19,039 | ₹6,03,657 | ₹69,26,802 |
| 19 | ₹3,47,239 | ₹5,75,457 | ₹65,79,563 |
| 20 | ₹3,77,932 | ₹5,44,764 | ₹62,01,631 |
| 21 | ₹4,11,338 | ₹5,11,359 | ₹57,90,293 |
| 22 | ₹4,47,696 | ₹4,75,000 | ₹53,42,597 |
| 23 | ₹4,87,268 | ₹4,35,428 | ₹48,55,329 |
| 24 | ₹5,30,338 | ₹3,92,358 | ₹43,24,991 |
| 25 | ₹5,77,215 | ₹3,45,481 | ₹37,47,775 |
| 26 | ₹6,28,236 | ₹2,94,460 | ₹31,19,539 |
| 27 | ₹6,83,766 | ₹2,38,930 | ₹24,35,773 |
| 28 | ₹7,44,205 | ₹1,78,491 | ₹16,91,568 |
| 29 | ₹8,09,986 | ₹1,12,710 | ₹8,81,582 |
| 30 | ₹8,81,582 | ₹41,115 | ₹0 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.