₹50 lakh home loan @ 8.5% for 20 years — EMI illustration
See monthly EMI, total interest and total payment for a common home-loan size, then open the live calculator.
Illustrative result
Assumptions: Home loan · ₹50,00,000 · 8.50% p.a. · 20 years · reducing-balance EMI. Fees not included.
Monthly EMI
₹43,391
Total interest
₹54,13,942
Total payment
₹1,04,13,942
How to read this
Early EMIs are interest-heavy on reducing-balance loans. A lower EMI from a longer tenure usually means more total interest—compare both before choosing comfort over cost.
Model a mid-tenure prepayment on the Loan Prepayment calculator to see months and interest saved.
Related guides
Scenario path /loans/50-lakh-home-loan-20-years · Aaru Wealth. Educational estimates only.