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₹1 Crore Home Loan EMI Calculator

Calculate monthly EMI for a ₹1 Crore home loan in 2026 (RBI repo rate 5.25%, Feb 2026 MPC). Adjust interest rate and tenure to see how your monthly installment changes across scenarios.

₹
1 L50 Cr
%
1%20%
1 Yr40 Yr

Monthly EMI

86.8 K

Principal

1.00 Cr

Interest

1.08 Cr

Monthly EMI₹ 86,782
Principal Amount₹ 1,00,00,000
Total Interest₹ 1,08,27,758
Total Amount₹ 2,08,27,758

Amortization Schedule

YearPrincipalInterestBalance
1₹ 1,99,019₹ 8,42,365₹ 98,00,981
2₹ 2,16,610₹ 8,24,774₹ 95,84,371
3₹ 2,35,757₹ 8,05,627₹ 93,48,614
4₹ 2,56,595₹ 7,84,789₹ 90,92,019
5₹ 2,79,276₹ 7,62,108₹ 88,12,742

Bank-wise Home Loan EMI Calculator

SBIHDFC BankICICI BankAxis BankBank of BarodaPNBKotak Mahindra BankLIC Housing FinanceBajaj Housing FinanceUnion Bank of IndiaCanara BankIDBI Bank

EMI Calculator by Loan Amount

₹10 Lakh₹15 Lakh₹20 Lakh₹25 Lakh₹30 Lakh₹40 Lakh₹50 Lakh₹60 Lakh₹70 Lakh₹75 Lakh₹80 Lakh₹1 Crore₹1.5 Crore₹2 Crore₹3 Crore₹5 Crore

How is Home Loan EMI Calculated?

EMI stands for Equated Monthly Installment. It is the fixed amount you pay to the bank every month until the loan is fully repaid. Each EMI payment consists of two parts — principal repayment and interest payment.

EMI Formula

EMI = P × r × (1 + r)n / ((1 + r)n - 1)

  • P = Principal loan amount
  • r = Monthly interest rate (annual rate ÷ 12 ÷ 100)
  • n = Total number of monthly installments

Tips to Reduce Your Home Loan EMI

  • Make a higher down payment to reduce the loan principal
  • Compare interest rates across multiple banks before choosing
  • Opt for a longer tenure if you want lower monthly payments
  • Make prepayments whenever you receive bonuses or extra income
  • Consider balance transfer if another bank offers a lower rate
  • Maintain a good credit score (750+) to negotiate better rates

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Calculate by Bank

SBI EMIHDFC Bank EMIICICI Bank EMIAxis Bank EMIBank of Baroda EMIPNB EMIKotak Mahindra Bank EMILIC Housing Finance EMIBajaj Housing Finance EMIUnion Bank of India EMICanara Bank EMIIDBI Bank EMI

Calculate by Amount

₹10 Lakh₹15 Lakh₹20 Lakh₹25 Lakh₹30 Lakh₹40 Lakh₹50 Lakh₹60 Lakh₹70 Lakh₹75 Lakh₹80 Lakh₹1 Crore₹1.5 Crore₹2 Crore₹3 Crore₹5 Crore

Frequently Asked Questions

1.

What is EMI and how is it calculated?

EMI (Equated Monthly Installment) is a fixed monthly payment made by a borrower to a lender. It is calculated using the formula: EMI = P x r x (1+r)^n / ((1+r)^n - 1), where P is the principal loan amount, r is the monthly interest rate, and n is the number of monthly installments.
2.

What factors affect my home loan EMI?

3.

What is the ideal home loan tenure?

4.

Can I reduce my EMI after taking a home loan?

5.

What is the difference between fixed and floating interest rates?

6.

How much home loan can I get based on my salary?

7.

What are the current home loan interest rates in India?

8.

What additional charges should I consider apart from EMI?

9.

What is the EMI for ₹1 Crore home loan?

10.

What salary is needed for ₹1 Crore home loan?

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Disclaimer

Reviewed by HexaHome Research Team · Updated April 2026

Calculations on this page are estimates for illustrative purposes only and should not be treated as legal, financial, tax or investment advice. Interest rates, tax rules and government charges change frequently, so please verify the latest values with your bank, chartered accountant or the relevant government authority before making any decision.

Primary sources: RBI Repo RateSBI Home LoansHDFC Bank Home Loans