What is the EMI for a ₹1 crore home loan for 10 years?
The EMI on a ₹1 crore home loan for 10 years is about ₹1,23,986 a month at 8.5% interest, ₹1,21,328 at 8% and ₹1,26,676 at 9%. At 8.5% you pay about ₹48,78,283 in interest and ₹1,48,78,283 in total over 120 months. FixDoks's calculator on this page shows the full schedule and lets you change the rate.
1 Crore Home Loan EMI, 10 Years at a glance
| Loan | ₹1,00,00,000 for 10 years (120 EMIs) |
|---|---|
| EMI at 8% / 8.5% / 9% | ₹1,21,328 / ₹1,23,986 / ₹1,26,676 |
| Total interest at 8.5% | ₹48,78,283 |
| Processing | In your browser; your files are not uploaded |
| Price | Free |
| Works on | Chrome, Edge, Safari and Firefox on Windows, Mac, Android and iPhone |
How to use ₹1 Crore Home Loan EMI for 10 Years
- The calculator is already set to ₹1 crore for 10 years at 8.5%.
- Change the interest rate to the rate in your offer letter. The EMI and schedule update as you type.
- Add an extra monthly payment to see how much sooner the loan closes and how much interest you save.
- Open the amortisation schedule for every year or month, or download it as CSV.
The 25% you fund yourself
Above ₹75 lakh, RBI limits home loans to 75% of the property value. A ₹1 crore loan therefore needs a property worth at least about ₹1.33 crore, and you fund about ₹33,33,000 from your own resources. Stamp duty and registration are separate and can be substantial at this price.
Take-home pay for ₹1,23,986
A 10-year EMI on ₹1 crore is among the heaviest a household can carry. With the EMI at half of take-home pay, you need about ₹2,48,000 a month, and at a 40% share about ₹3,10,000. Existing obligations raise those figures.
Year 1 interest and the tax cap
In year 1 you pay ₹8,24,555 of interest and ₹6,63,273 of principal. The interest is ₹6,24,555 above the ₹2 lakh Section 24(b) cap, so the deduction on a self-occupied home stops at ₹2 lakh and exists only in the old tax regime. Principal can use Section 80C up to ₹1.5 lakh. For a let-out home the rules differ, so ask a tax adviser.
A ₹5,00,000 part-payment
Paying an extra ₹5,00,000 at the end of year 3 at 8.5% saves about ₹3,85,084 of interest and trims about 7 months. RBI directions do not allow prepayment charges on floating-rate home loans to individuals.
Rate sensitivity at ₹1 crore over 10 years
At 9% the EMI becomes ₹1,26,676, up ₹2,690 a month, and about ₹3,22,800 more across 120 instalments.
Age rule of thumb for 10 years
A 10-year loan starts by 50 under a lender limit of 60, or by 60 under a limit of 70. Lenders set their own limits.
Planning the cash flow
With a monthly outgo of ₹1,23,986, keep a reserve of six EMIs and avoid new credit. Treat any bonus as extra, and do not count on it to meet the instalment.
Timing and paperwork
Large loans take longer to sanction because the lender checks several years of income and the property title in detail. Gather tax returns, bank statements and the sale papers early, so the sanction date does not hold up your booking.
Sources: RBI circular on housing loan LTV ratios · RBI directions on pre-payment charges on loans · Income Tax Department FAQs on old and new tax regimes, checked October 2026.
₹1 crore home loan EMI for 10 years at 8%, 8.5% and 9%
₹1,00,00,000 over 120 monthly instalments, reducing-balance method, EMIs rounded to the rupee.
| Interest rate | Monthly EMI | Total interest | Total payment | Interest as % of loan |
|---|---|---|---|---|
| 8% | ₹1,21,328 | ₹45,59,311 | ₹1,45,59,311 | 46% |
| 8.5% | ₹1,23,986 | ₹48,78,283 | ₹1,48,78,283 | 49% |
| 9% | ₹1,26,676 | ₹52,01,093 | ₹1,52,01,093 | 52% |
Going from 8% to 9% adds ₹6,41,782 of interest over 10 years on this loan.
Where your EMIs go: amortisation summary at 8.5%
In year 1 you pay ₹8,24,555 of interest and only ₹6,63,273 of principal. The balance falls below half of the loan only in year 7, because early EMIs are mostly interest. The live calculator above shows every month and year in full.
| After | Principal repaid so far | Interest paid so far | Balance still owed |
|---|---|---|---|
| Year 1 | ₹6,63,273 | ₹8,24,555 | ₹93,36,727 |
| Year 5 | ₹39,56,791 | ₹34,82,350 | ₹60,43,209 |
| Year 10 (end) | ₹1,00,00,000 | ₹48,78,283 | ₹0 |
Shorter or longer tenure?
- Over 15 years the EMI at 8.5% falls by ₹25,512 to ₹98,474, but total interest rises by ₹28,47,029 to ₹77,25,312.
Other ₹1 crore home loan tenures
₹1 crore for 15 years · ₹1 crore for 20 years · ₹1 crore for 25 years · ₹1 crore for 30 years
Other loan amounts for 10 years
₹10 lakh for 10 years · ₹20 lakh for 10 years · ₹25 lakh for 10 years · ₹30 lakh for 10 years · ₹40 lakh for 10 years · ₹50 lakh for 10 years · ₹75 lakh for 10 years
For any other amount, rate or tenure, use the EMI calculator.
Results are estimates for planning. Your employer, bank, fund or the tax department may round differently or apply other rules, so check the final figure with them.