The EMI on a ₹25 lakh home loan for 15 years at 8.5% a year is ₹24,618 a month. You pay ₹19,31,328 as interest, so the total repaid is ₹44,31,328.
At 8% the EMI would be ₹23,891; at 9% it would be ₹25,357. Every 0.5% changes the total interest by about ₹1,32,872 over the full tenure.
| Year | Principal paid | Interest paid | Loan left |
|---|---|---|---|
| 1 | ₹86,230 | ₹2,09,192 | ₹24,13,770 |
| 2 | ₹93,852 | ₹2,01,570 | ₹23,19,918 |
| 3 | ₹1,02,147 | ₹1,93,274 | ₹22,17,771 |
| 4 | ₹1,11,176 | ₹1,84,246 | ₹21,06,595 |
| 5 | ₹1,21,003 | ₹1,74,419 | ₹19,85,591 |
| 6 | ₹1,31,699 | ₹1,63,723 | ₹18,53,892 |
| 7 | ₹1,43,340 | ₹1,52,082 | ₹17,10,552 |
| 8 | ₹1,56,010 | ₹1,39,412 | ₹15,54,542 |
| 9 | ₹1,69,800 | ₹1,25,622 | ₹13,84,743 |
| 10 | ₹1,84,808 | ₹1,10,613 | ₹11,99,934 |
| 11 | ₹2,01,144 | ₹94,278 | ₹9,98,790 |
| 12 | ₹2,18,923 | ₹76,499 | ₹7,79,867 |
| 13 | ₹2,38,274 | ₹57,148 | ₹5,41,593 |
| 14 | ₹2,59,335 | ₹36,087 | ₹2,82,258 |
| 15 | ₹2,82,258 | ₹13,164 | ₹0 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.