₹1 Crore Home Loan EMI for 30 Years
The EMI for a ₹1 Crore home loan over 30 years is about ₹77,601/month at 8.6% p.a. Over the full tenure you repay ₹2.79 Cr — of which ₹1.79 Cr is interest. Updated for 2026.
₹1 Crore EMI at different interest rates (30 years)
Even a 0.5% rate difference changes your total interest by lakhs. This is why negotiating your rate — or transferring your balance — matters more than most borrowers realise.
| Interest Rate | Monthly EMI | Total Interest |
|---|---|---|
| 8% p.a. | ₹73,376 | ₹1.64 Cr |
| 8.25% p.a. | ₹75,127 | ₹1.70 Cr |
| 8.5% p.a. | ₹76,891 | ₹1.77 Cr |
| 8.75% p.a. | ₹78,670 | ₹1.83 Cr |
| 9% p.a. | ₹80,462 | ₹1.90 Cr |
| 9.25% p.a. | ₹82,268 | ₹1.96 Cr |
| 9.5% p.a. | ₹84,085 | ₹2.03 Cr |
| 10% p.a. | ₹87,757 | ₹2.16 Cr |
₹1 Crore home loan EMI by bank (30 years)
EMI for a ₹1 Crore loan over 30 years at each lender's minimum 2026 rate. Sorted lowest first.
| Bank | Min Rate | Monthly EMI | Processing Fee |
|---|---|---|---|
| BoI | 7.1% | ₹67,203 | Varies |
| Central Bank | 7.1% | ₹67,203 | Varies |
| IOB | 7.1% | ₹67,203 | Varies |
| P&S Bank | 7.1% | ₹67,203 | Varies |
| Canara | 7.15% | ₹67,541 | 0.50% (varies) |
| UCO | 7.15% | ₹67,541 | Varies |
| BoB | 7.2% | ₹67,879 | Up to 0.50% (varies) |
| Bajaj Housing | 7.25% | ₹68,218 | Up to 0.50% + GST |
| Union Bank | 7.35% | ₹68,897 | Varies |
| BoM | 7.35% | ₹68,897 | Varies |
Cut this loan short: the prepayment effect
On a ₹1 Crore loan at 8.6% over 30 years, the first few years are almost entirely interest. Adding just ₹10,000/month toward the principal closes the loan in roughly 19 years 11 months and saves about ₹70.29 L in interest.
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₹1 Crore EMI at other tenures
Other loan amounts for 30 years
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Frequently Asked Questions
What is the EMI for a ₹1 Crore home loan for 30 years?
The EMI for a ₹1 Crore home loan over 30 years is approximately ₹77,601 per month at an interest rate of 8.6% p.a. The exact EMI depends on your bank's rate — at 8% it is ₹73,376 and at 9.5% it is ₹84,085 per month.
How much total interest will I pay on a ₹1 Crore loan over 30 years?
At 8.6% p.a. you would pay roughly ₹1,79,36,360 in total interest over 30 years — making the total repayment about ₹2,79,36,360 against a borrowed amount of ₹1,00,00,000. A longer tenure lowers the EMI but sharply increases total interest.
Which bank offers the lowest EMI for a ₹1 Crore home loan?
Based on current 2026 minimum rates, Bank of India offers the lowest EMI at about ₹67,203/month (7.1% p.a.) for a ₹1 Crore loan over 30 years. Always compare the processing fee and reset terms, not just the headline rate.
How much can I save by prepaying this loan?
Adding just ₹10,000/month towards the principal on a ₹1 Crore loan can close it in about 19 years 11 months instead of 30 years, saving roughly ₹70,29,197 in interest. Use the NestSaver prepayment simulator to model your exact numbers.
Should I choose a shorter or longer tenure?
A shorter tenure means a higher EMI but far less total interest; a longer tenure eases monthly cash flow but costs much more overall. For a ₹1 Crore loan, moving from 30 to 20 years raises the EMI by about ₹9,815/month but can save ₹69,56,520 in interest.