Home Loan EMI by Amount
The monthly EMI for every common home-loan amount from ₹10 lakh to ₹2 crore, computed at an illustrative 8.5% over 20 years. Pick your amount for the full breakdown, EMI-by-tenure, and a prepayment simulator.
Last updated: 2026-06-03
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Set your rate, tenure and prepayments in the full calculator.
Important: This calculator provides estimates based on the inputs and assumptions you provide. Results are mathematical projections, not financial advice or recommendations. Actual outcomes will vary based on market conditions, policy changes, individual circumstances, and factors not captured by this tool. Verify all figures independently and consult qualified professionals before making financial decisions.
Frequently Asked Questions
How is home loan EMI calculated?
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the number of months. RupayWise computes every figure on these pages with this standard formula.
What interest rate and tenure do these EMIs assume?
The headline figures use an illustrative 8.5% annual rate over 20 years. Each amount page also shows EMI for 10, 15, 20, 25 and 30-year tenures, and the EMI calculator lets you set your exact rate, tenure and prepayments.
Does a longer tenure reduce my EMI?
Yes — a longer tenure lowers the monthly EMI but increases the total interest you pay over the life of the loan. A shorter tenure raises the EMI but saves a large amount of interest. Part-prepayments are the most effective way to cut both tenure and interest.
Related Resources
Calculators
- EMI Calculator — EMI with prepayment simulator — see how much interest you save and years you reduce.
- Home Loan Eligibility — Find out your maximum home loan amount based on income, existing EMIs, and interest rate.
- Rent vs Buy — Should you buy a home or keep renting? City-specific NPV analysis for Mumbai, Bangalore, Delhi, Pune & Hyderabad.