Home loan EMI for every loan amount
This table shows the EMI for each month at 8.00% (RBI repo rate 5.50% + 2.50%) for usual home loans. Open the page for a loan to see more data. Each page shows the down payment, the salary, the tax limit, PMAY eligibility and the EMI of each lender.
| Loan amount | 10 years | 15 years | 20 years | 30 years |
|---|---|---|---|---|
| ₹10 lakh | ₹12,133 | ₹9,557 | ₹8,364 | ₹7,338 |
| ₹15 lakh | ₹18,199 | ₹14,335 | ₹12,547 | ₹11,006 |
| ₹20 lakh | ₹24,266 | ₹19,113 | ₹16,729 | ₹14,675 |
| ₹25 lakh | ₹30,332 | ₹23,891 | ₹20,911 | ₹18,344 |
| ₹30 lakh | ₹36,398 | ₹28,670 | ₹25,093 | ₹22,013 |
| ₹35 lakh | ₹42,465 | ₹33,448 | ₹29,275 | ₹25,682 |
| ₹40 lakh | ₹48,531 | ₹38,226 | ₹33,458 | ₹29,351 |
| ₹45 lakh | ₹54,597 | ₹43,004 | ₹37,640 | ₹33,019 |
| ₹50 lakh | ₹60,664 | ₹47,783 | ₹41,822 | ₹36,688 |
| ₹60 lakh | ₹72,797 | ₹57,339 | ₹50,186 | ₹44,026 |
| ₹70 lakh | ₹84,929 | ₹66,896 | ₹58,551 | ₹51,364 |
| ₹80 lakh | ₹97,062 | ₹76,452 | ₹66,915 | ₹58,701 |
| ₹1 crore | ₹1,21,328 | ₹95,565 | ₹83,644 | ₹73,376 |
At 8.00% a year, on a reducing balance.
The RBI limits change with the loan
RBI sets the maximum loan for each property value, and this maximum changes with the loan (RBI Credit Facilities Directions, 2025, para 111). Thus, the down payment increases in steps at ₹30 lakh and ₹75 lakh:
| Loan amount | Max loan-to-value | Amounts in this band |
|---|---|---|
| Up to ₹30 lakh | 90% | ₹10, 15, 20, 25, 30 lakh |
| ₹30 lakh – ₹75 lakh | 80% | ₹35, 40, 45, 50, 60, 70 lakh |
| Above ₹75 lakh | 75% | ₹80 lakh, ₹1 crore |
Two more limits are important. A loan of a maximum of ₹25 lakh can get the PMAY-Urban 2.0 interest subsidy. For a loan of more than approximately ₹26 lakh at 8%, the interest in the first year is more than the ₹2 lakh deduction limit. For these loans, a joint loan gives a larger deduction.