The EMI on a ₹25 lakh home loan for 10 years at 8.5% a year is ₹30,996 a month. You pay ₹12,19,571 as interest, so the total repaid is ₹37,19,571.
At 8% the EMI would be ₹30,332; at 9% it would be ₹31,669. Every 0.5% changes the total interest by about ₹80,703 over the full tenure.
| Year | Principal paid | Interest paid | Loan left |
|---|---|---|---|
| 1 | ₹1,65,818 | ₹2,06,139 | ₹23,34,182 |
| 2 | ₹1,80,475 | ₹1,91,482 | ₹21,53,707 |
| 3 | ₹1,96,427 | ₹1,75,530 | ₹19,57,279 |
| 4 | ₹2,13,790 | ₹1,58,167 | ₹17,43,489 |
| 5 | ₹2,32,687 | ₹1,39,270 | ₹15,10,802 |
| 6 | ₹2,53,254 | ₹1,18,703 | ₹12,57,548 |
| 7 | ₹2,75,640 | ₹96,317 | ₹9,81,908 |
| 8 | ₹3,00,004 | ₹71,953 | ₹6,81,904 |
| 9 | ₹3,26,521 | ₹45,436 | ₹3,55,383 |
| 10 | ₹3,55,383 | ₹16,574 | ₹0 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.