Home Loan EMI Calculator — Plan Your Dream Home Purchase
Calculate home loan EMI for any amount and tenure. Compare housing loan rates across SBI HDFC ICICI and other banks. Updated for 2026 interest rates.
Buying a home is the biggest financial decision most Indians make in their lifetime. With home loan amounts typically ranging from 20 lakh to 2 crore and tenures from 10 to 30 years even a small difference in interest rate can mean lakhs of rupees saved or spent. Use our home loan EMI calculator to compare different scenarios and find the most affordable option for your budget before approaching any bank.
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EMI Calculator
Key Information
| Parameter | Details |
|---|---|
| SBI Home Loan Rate | 8.25% - 9.15% |
| HDFC Home Loan Rate | 8.35% - 9.40% |
| Maximum Loan Tenure | 30 years |
| Typical Processing Fee | 0.25% - 0.50% of loan amount |
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Use Calculator NowFrequently Asked Questions
What is the EMI for a 30 lakh home loan?
For a 30 lakh home loan at 8.5% interest for 20 years the EMI would be approximately Rs 26035 per month. The total interest paid over the full tenure would be about Rs 32.48 lakh making your total repayment Rs 62.48 lakh. Choosing a 25 year tenure reduces EMI to Rs 24176 but increases total interest to Rs 42.53 lakh.
What CIBIL score do I need for a home loan?
Most banks require a minimum CIBIL score of 700 for home loan approval. A score above 750 helps you secure better interest rates and faster processing. If your score is between 650-700 you may still get approved but at 0.5-1% higher interest rates and with stricter documentation requirements.
Can I take a home loan on 25000 salary?
Yes on a salary of Rs 25000 per month you can typically get a home loan of Rs 15-18 lakh with a 30 year tenure at current interest rates. Banks generally allow EMI up to 40-50% of your net monthly income. Adding a co-applicant with income can increase your eligibility significantly.
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Last updated: 24 March 2026