The EMI on a ₹10 lakh home loan for 30 years at 8.5% a year is ₹7,689 a month. You pay ₹17,68,089 as interest, so the total repaid is ₹27,68,089.
At 8% the EMI would be ₹7,338; at 9% it would be ₹8,046. Every 0.5% changes the total interest by about ₹1,28,553 over the full tenure.
| Year | Principal paid | Interest paid | Loan left |
|---|---|---|---|
| 1 | ₹7,560 | ₹84,710 | ₹9,92,440 |
| 2 | ₹8,228 | ₹84,042 | ₹9,84,213 |
| 3 | ₹8,955 | ₹83,315 | ₹9,75,257 |
| 4 | ₹9,747 | ₹82,523 | ₹9,65,511 |
| 5 | ₹10,608 | ₹81,661 | ₹9,54,903 |
| 6 | ₹11,546 | ₹80,724 | ₹9,43,357 |
| 7 | ₹12,566 | ₹79,703 | ₹9,30,790 |
| 8 | ₹13,677 | ₹78,593 | ₹9,17,113 |
| 9 | ₹14,886 | ₹77,384 | ₹9,02,227 |
| 10 | ₹16,202 | ₹76,068 | ₹8,86,025 |
| 11 | ₹17,634 | ₹74,636 | ₹8,68,392 |
| 12 | ₹19,193 | ₹73,077 | ₹8,49,199 |
| 13 | ₹20,889 | ₹71,381 | ₹8,28,310 |
| 14 | ₹22,735 | ₹69,534 | ₹8,05,574 |
| 15 | ₹24,745 | ₹67,525 | ₹7,80,829 |
| 16 | ₹26,932 | ₹65,337 | ₹7,53,897 |
| 17 | ₹29,313 | ₹62,957 | ₹7,24,584 |
| 18 | ₹31,904 | ₹60,366 | ₹6,92,680 |
| 19 | ₹34,724 | ₹57,546 | ₹6,57,956 |
| 20 | ₹37,793 | ₹54,476 | ₹6,20,163 |
| 21 | ₹41,134 | ₹51,136 | ₹5,79,029 |
| 22 | ₹44,770 | ₹47,500 | ₹5,34,260 |
| 23 | ₹48,727 | ₹43,543 | ₹4,85,533 |
| 24 | ₹53,034 | ₹39,236 | ₹4,32,499 |
| 25 | ₹57,722 | ₹34,548 | ₹3,74,778 |
| 26 | ₹62,824 | ₹29,446 | ₹3,11,954 |
| 27 | ₹68,377 | ₹23,893 | ₹2,43,577 |
| 28 | ₹74,421 | ₹17,849 | ₹1,69,157 |
| 29 | ₹80,999 | ₹11,271 | ₹88,158 |
| 30 | ₹88,158 | ₹4,111 | ₹0 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.