EMI for ₹1 lakh at every rate and tenure
| Rate | 3 yr | 5 yr | 7 yr | 10 yr | 15 yr | 20 yr | 25 yr | 30 yr |
|---|---|---|---|---|---|---|---|---|
| 7.5% | 3,111 | 2,004 | 1,534 | 1,187 | 927 | 806 | 739 | 699 |
| 8% | 3,134 | 2,028 | 1,559 | 1,213 | 956 | 836 | 772 | 734 |
| 8.5% | 3,157 | 2,052 | 1,584 | 1,240 | 985 | 868 | 805 | 769 |
| 9% | 3,180 | 2,076 | 1,609 | 1,267 | 1,014 | 900 | 839 | 805 |
| 9.5% | 3,203 | 2,100 | 1,634 | 1,294 | 1,044 | 932 | 874 | 841 |
| 10% | 3,227 | 2,125 | 1,660 | 1,322 | 1,075 | 965 | 909 | 878 |
| 11% | 3,274 | 2,174 | 1,712 | 1,378 | 1,137 | 1,032 | 980 | 952 |
| 12% | 3,321 | 2,224 | 1,765 | 1,435 | 1,200 | 1,101 | 1,053 | 1,029 |
| 14% | 3,418 | 2,327 | 1,874 | 1,553 | 1,332 | 1,244 | 1,204 | 1,185 |
Monthly EMI in rupees. Home loans usually run 15–30 years at 7.5–9.5%; car loans 3–7 years at 8–11%; personal loans 1–5 years at 10–16%.
EMI for other loan amounts (9%, 10 years)
- ₹1 lakh₹1,267/month
- ₹2 lakh₹2,534/month
- ₹3 lakh₹3,800/month
- ₹5 lakh₹6,334/month
- ₹7 lakh₹8,867/month
- ₹10 lakh₹12,668/month
- ₹15 lakh₹19,001/month
- ₹20 lakh₹25,335/month
- ₹25 lakh₹31,669/month
- ₹30 lakh₹38,003/month
- ₹40 lakh₹50,670/month
- ₹50 lakh₹63,338/month
- ₹75 lakh₹95,007/month
- ₹1 crore₹1,26,676/month
- ₹2 crore₹2,53,352/month
Frequently asked questions
What is the EMI for a ₹1 lakh loan?
At 9% a year for 5 years the EMI is ₹2,076 a month. At 8.5% for 20 years it is ₹868.
How much interest will I pay on ₹1 lakh?
At 9% for 5 years, ₹24,550 in total – 25% of the loan.
How can I reduce the EMI?
Choose a longer tenure or negotiate a lower rate. A longer tenure lowers the EMI but raises the total interest, so prepay when you can.
For any other amount, rate or tenure, with a year-by-year schedule, use the Loan EMI Calculator.