The EMI on a ₹75 lakh home loan for 10 years at 8.5% a year is ₹92,989 a month. You pay ₹36,58,712 as interest, so the total repaid is ₹1,11,58,712.
At 8% the EMI would be ₹90,996; at 9% it would be ₹95,007. Every 0.5% changes the total interest by about ₹2,42,108 over the full tenure.
| Year | Principal paid | Interest paid | Loan left |
|---|---|---|---|
| 1 | ₹4,97,455 | ₹6,18,416 | ₹70,02,545 |
| 2 | ₹5,41,425 | ₹5,74,446 | ₹64,61,120 |
| 3 | ₹5,89,282 | ₹5,26,589 | ₹58,71,837 |
| 4 | ₹6,41,370 | ₹4,74,502 | ₹52,30,468 |
| 5 | ₹6,98,061 | ₹4,17,810 | ₹45,32,407 |
| 6 | ₹7,59,763 | ₹3,56,108 | ₹37,72,644 |
| 7 | ₹8,26,919 | ₹2,88,952 | ₹29,45,724 |
| 8 | ₹9,00,011 | ₹2,15,860 | ₹20,45,713 |
| 9 | ₹9,79,564 | ₹1,36,307 | ₹10,66,149 |
| 10 | ₹10,66,149 | ₹49,722 | ₹0 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.