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₹65 Lakh Home Loan EMI

Find out how EMI varies for a home loan of ₹65 Lakhs for various tenures. 
Your Monthly Loan EMI

₹ 81,462

Total Interest

₹ 3,275,487

Principal Amount

₹ 65,00,000

Total Payable Amount

₹ 97,75,487

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You can easily compare Home Loan offers from multiple lenders on Bajaj Markets.

...

This platform 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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A ₹65 Lakh home loan allows you to buy your dream home. The loan EMI depends mainly on the loan tenure and interest rate offered. Knowing this in advance will help you create a repayment strategy. An EMI calculator makes it easier to understand your financial commitment before taking out a loan.

EMIs for a Home Loan of ₹65 Lakhs at Varying Tenures

You have the option to choose the tenure for your home loan. When you choose a longer tenure, such as 30 years, your monthly EMI will be reduced, but the overall loan interest will be higher. Similarly, a shorter tenure reduces your total loan costs, but you must commit to paying a higher monthly EMI.


The following table shows ₹65 Lakh home loan EMI at 8.75% p.a. for different tenures to help you compare:

Repayment Tenure

EMI Amount

10 Years

₹81,462

20 Years

₹57,441

25 Years

₹53,439

30 Years

₹51,135

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

Detailed Breakup of Home Loan of ₹65 Lakhs for 10 Years

The table below shows the EMI for a home loan of ₹65 Lakhs for 10 years and the total interest charges:

Loan Amount

₹65 Lakhs

Interest Rate

8.75% p.a.

Loan Tenure

10 years

EMI Payable

₹81,462

Total Interest Payable 

₹32,75,487

Total Payable Amount

₹97,75,487

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

Detailed Breakup of Home Loan of ₹65 Lakhs for 20 Years

When you choose to pay your home loan over 20 years, associated details will be as follows:

Loan Amount

₹65 Lakhs

Interest Rate

8.75% p.a.

Loan Tenure

20 years

EMI Payable

₹57,441

Total Interest Payable 

₹72,85,887

Total Payable Amount

₹1,37,85,887

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

Detailed Breakup of Home Loan of ₹65 Lakhs for 30 Years

For a 30-year tenure, the breakup of a home loan of ₹65 Lakhs is:

Loan Amount

₹65 Lakhs

Interest Rate

8.75% p.a.

Loan Tenure

30 years

EMI Payable

₹51,135

Total Interest Payable 

₹1,19,08,789

Total Payable Amount

₹1,84,08,789

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

Lenders Offering Home Loans of ₹65 Lakhs

Bajaj Markets has partnered with the following leading lenders to offer ₹65 lakh home loans:

Lenders

Starting Interest Rate

PNB Housing Finance

8.50% p.a.

L&T Finance

8.60% p.a.

LIC Housing Finance

8.65% p.a.

Home First Finance Company

9.00% p.a.

ICICI Bank

9.00% p.a.

Shriram Housing Finance

11.50% p.a.

Disclaimer: The mentioned rates are subject to change at the lender’s discretion.

Eligibility Criteria & Documents Required for a ₹65 Lakh Home Loan

Before applying for a ₹65 lakh home loan, ensure you meet the eligibility requirements. Lenders evaluate several factors to determine if you qualify. Review these criteria to avoid complications during your application process:

For Salaried:

  • Between 23 and 62 years of age

  • Stable work experience of at least 3 years

  • Steady annual income

  • Good credit score

For Self-employed:

  • Between 25 and 70 years of age

  • More than 5 years of steady business operations

  • Sufficient annual income to repay the loan

Common Documents for All Applicants:

  • Identity Proof: PAN, Aadhaar, Passport, or Driving Licence

  • Address Proof: Utility bills, rent agreements, or other official residential documents

  • Bank Statements: Latest 6–12 months’ statements with transaction history

  • Property Documents: Ownership proofs and agreements like sales deeds or builder agreements

  • Passport-Sized Photos: Recent passport-sized photographs for application forms

  • Loan Application Form: A duly filled and verified application form

Income Proof

For Salaried Applicants:

  • Recent payslips (last 3–6 months)

  • Form 16 or Income Tax Returns (ITR)

For Self-employed Applicants:

  • Profit and loss statements

  • Audited financials for the last 2–3 years

  • Latest Income Tax Returns (ITR)

Things to Keep in Mind While Applying for a ₹65 Lakh Home Loan

When you take a ₹65 lakh home loan, it's crucial to understand how the lone tenure and EMI would affect your finances. Here are some key things to consider before applying for a housing loan:

  • Loan approval involves documentation verification. You need KYC documents, proof of income, and property-related documents before you apply for a loan. 

  • EMI is usually determined based on interest rate and loan tenure. For properties under development, pre-EMI costs must also be considered.

  • A pre-approved offer can speed up the loan disbursal and allow you to find a property later that fits your budget. Alternatively, if you find a property first, then you must look for a lender who can offer a loan that matches its price. 

  • Various loan options are available, including fixed-rate loans, floating-rate loans, and hybrid loans. It's important to compare the EMIs and overall loan costs associated with each option to make an informed decision.

  • Lenders approve loans based on eligibility. Understand the impact of your age, income, credit score, and financial position on loan interest rates. This can help you compare loans better. 

Other Home Loan EMI Options

FAQs on ₹65 Lakh Home Loan EMI

Can I get a home loan of ₹65 Lakhs?

Yes, it is possible to get a ₹65 lakh home loan. Lenders have varying eligibility criteria. This includes such factors as income, credit score, repayment capacity, and property value. Its understanding will help you make the right decision.

The ideal loan tenure for you has to be worked out based on your affordability and loan costs. Longer tenures, such as 20–30 years, cut down the monthly EMIs but increase overall interest, thereby increasing the total loan costs. Therefore, you can opt for a tenure that would fit your budget without stretching the repayment period.

Typically, lenders provide a maximum tenure of 30 years for a home loan. However, it may differ depending on your age, income, and repayment capacity.

The EMI calculation depends primarily on the rate of interest and tenure. Take, for example, an 8.75% interest rate: EMI would be ₹81,462 for 10 years and around ₹51,135 for 30 years. Calculate the EMI for a home loan of ₹65 lakhs for 20 years.

For a 20-year tenure, the EMI for a ₹65 lakh home loan, assuming an 8.75% interest rate, will be around ₹57,441. The actual EMI may vary based on the interest rate and terms set by the lender.

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