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₹1 Crore Home Loan EMI

Check the EMIs payable if you apply for a home loan of ₹1 Crore
Your Monthly Loan EMI
₹ 12,587
Total Interest
₹ 510,385
Principal Amount
₹ 10,00,000
Total Payable Amount
₹ 15,10,385
Loan Amount i
Interest Rate
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Tenure
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You can easily compare Home Loan offers from multiple lenders on Bajaj Markets.

...

This platform also provides a clear view of the total interest payable and the overall repayment amount, enabling you to plan your finances and budget more efficiently.

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It is important to consider if the EMI of your loan of ₹1 Crore fits your budget. Multiple factors affect the instalments you are liable to pay. Tenure is one of the most important factors that has an impact on your EMIs. Let’s understand in detail. 

EMI for a Home Loan of ₹1 Crore for Various Tenures

Consider an example. Assume that the interest rate on a home loan of ₹1 Crore is 8.85% p.a. Following table presents the EMI payable on this loan over tenures ranging from 10 to 30 years.

Repayment Tenure

EMI Amount

10 Years

₹1,25,865.41

15 Years

₹1,00,536.28

20 Years

₹89,010.16

25 Years

₹89,010.16

30 Years

₹79,385.33

*Disclaimer: The values mentioned above are indicative. Check the actual payable EMIs with your lender before applying.

Let’s continue with this example to check the impact of various tenures on the aggregate loan costs.

Detailed Breakup of Home Loan of ₹1 Crore for 10 Years

Here’s a breakdown of the EMI payable on a home loan of 10 years:

Loan Amount

₹1 Crore

Interest Rate

8.85% p.a.

Loan Tenure

10 Years

EMI 

₹1,25,865.41

Total payable Interest

₹51,03,848.77

Total Repayment Amount 

₹1,51,03,848.77

*Disclaimer: The values mentioned above are indicative. Check the actual payable EMIs with your lender before applying.

Detailed Breakup of Home Loan of ₹1 Crore for 20 Years

Here’s a breakdown of the EMI payable on a home loan of 10 years:

Loan Amount

₹1 Crore

Interest Rate

8.85% p.a.

Loan Tenure

10 Years

EMI 

₹1,25,865.41

Total payable Interest

₹51,03,848.77

Total Repayment Amount 

₹1,51,03,848.77

*Disclaimer: The values mentioned above are indicative. Check the actual payable EMIs with your lender before applying.

Detailed Breakup of Home Loan of ₹1 Crore for 20 Years

Here is the breakdown of a home loan of ₹1 Crore with a tenure of 20 years:

Loan Amount

₹1 Crore

Interest Rate

8.85% p.a.

Loan Tenure

20 Years

EMI

₹89,010.16

Total payable Interest

₹1,13,62,438.27

Total Repayment Amount 

₹2,13,62,438.27

*Disclaimer: The values mentioned above are indicative. Check the actual payable EMIs with your lender before applying.

Detailed Breakup of Home Loan of ₹1 Crore for 30 Years

The details of the EMI you need to pay is as follows:

Loan Amount

₹1 Crore

Interest Rate

8.85% p.a.

Loan Tenure

30 Years

EMI

₹79,385.33

Total payable Interest

₹1,85,78,719.51

Total Repayment Amount 

₹1,85,78,719.51

*Disclaimer: The values mentioned above are indicative. Check the actual payable EMIs with your lender before applying

Detailed Breakup of Home Loan of ₹1 Crore for 30 Years

The details of the EMI you need to pay is as follows:

Loan Amount

₹1 Crore

Interest Rate

8.85% p.a.

Loan Tenure

30 Years

EMI

₹79,385.33

Total payable Interest

₹1,85,78,719.51

Total Repayment Amount 

₹1,85,78,719.51

*Disclaimer: The values mentioned above are indicative. Check the actual payable EMIs with your lender before applying

Lenders Offering Home Loans of ₹1 Crore

Lenders

Starting Interest Rate

PNB Housing Finance

8.50% p.a.

Bajaj Housing Finance

8.55% p.a.

L&T Finance

8.60% p.a.

LIC Housing Finance

8.65% p.a.

ICICI Bank

9.00% p.a.

Shriram Housing Finance

11.50% p.a.

*Disclaimer: These rates are subject to change at the lender’s discretion.

Eligibility Criteria & Documents Required for a ₹1 Crore Home Loan

Be sure to fulfil the criteria listed below to be eligible for a home loan of ₹1 Crore:

  • The applicant must be an Indian citizen and resident

  • If self-employed, the applicant’s age should range from 25 to 70 years 

  • If salaried, the applicant’s age must range from 23 to 62 years

  • If self-employed, the business vintage should be at least 5 years

  • If salaried, the applicant should have a job experience of at least 3 years

Additionally, be sure to furnish the documents listed below:

  • Residential Proof: Aadhaar card, passport, utility bills, etc.

  • ID Proof: Aadhaar card, PAN card, voter ID, driving licence, etc.

  • Proof of Income:

    • For Self-employed Individuals: 

      • Business licence details

      • TDS certificate

      • Profit and loss statement of the last 3 years

      • Latest balance sheet of the business, audited by a certified CA

      • ITR filings of the last 2 years

      • Degrees or other qualification certificates for self-employed professionals

  • For Salaried Individuals: 

    • Form 16

    • Salary slips of the last 3 months

    • ITR filings of the last 2 years

Other Home Loan EMI Options

Frequently Asked Questions

Can I get a home loan of ₹1 Crore without any security?

No. Home loans are secured loans. Hence, the property you purchase is considered as security for such loans. 

The maximum tenure offered by lenders on these loans is 30 years.

This criterion is set by the lender, however, it is easy to estimate how much you would require. Here, all you need to do is calculate the EMI payable and see if it fits your budget.


For instance, for a home loan of ₹1 Crore with a tenure of 30 years, at an interest rate of 8.85% p.a, the EMI will be ₹79,385.33. Considering that the ideal debt-to-income ratio is 50%, the minimum income required would be at least ₹1.6 Lakhs, per month.

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