Home Loan EMIs, Computed Honestly: ₹20 Lakh to ₹90 Lakh

Every amount below gets the full treatment on its own page: EMIs across 10–35 year tenures, the income that clears the approval test, RBI's LTV bands applied to that amount, prepayment savings from real amortization math, and the tax rules as they actually work. Indicative rates from 7.35%; your Key Fact Statement is the binding truth.

Figures on this page are indicative and for comparison only — BankCreds is not a lender; confirm current rates, charges and eligibility with the bank or NBFC before applying.

Pick your amount

₹20 lakh
₹17,356/mo · 20 yr @8.5%*
₹25 lakh
₹21,696/mo · 20 yr @8.5%*
₹30 lakh
₹26,035/mo · 20 yr @8.5%*
₹35 lakh
₹30,374/mo · 20 yr @8.5%*
₹40 lakh
₹34,713/mo · 20 yr @8.5%*
₹45 lakh
₹39,052/mo · 20 yr @8.5%*
₹50 lakh
₹43,391/mo · 20 yr @8.5%*
₹55 lakh
₹47,730/mo · 20 yr @8.5%*
₹60 lakh
₹52,069/mo · 20 yr @8.5%*
₹65 lakh
₹56,409/mo · 20 yr @8.5%*
₹70 lakh
₹60,748/mo · 20 yr @8.5%*
₹75 lakh
₹65,087/mo · 20 yr @8.5%*
₹80 lakh
₹69,426/mo · 20 yr @8.5%*
₹85 lakh
₹73,765/mo · 20 yr @8.5%*
₹90 lakh
₹78,104/mo · 20 yr @8.5%*

*Indicative reducing-balance EMI before fees.

The three numbers that decide any home loan

Your FOIR headroom. Total EMIs near half of take-home is the gate every file passes through. It's why co-applicants dominate approvals above ₹40 lakh, and why closing a ₹10,000 personal-loan EMI can raise home-loan eligibility by ₹12 lakh+.

The LTV band your property lands in. 90% funding up to ₹30 lakh of property value, 80% to ₹75 lakh, 75% beyond — with deals near the boundaries worth structuring deliberately.

Tenure × prepayment. The 30-year sanction that gets you approved and the 15-year behaviour that keeps you wealthy are compatible: floating-rate prepayment is free by RBI rule, and every guide here computes exactly what it saves at your amount.

Quick home loan EMI calculator

Monthly EMI
₹43,391
Total interest
₹54,13,840
Total payable
₹1,04,13,840

Indicative reducing-balance arithmetic. Lender EMIs can differ with fees, rate resets and rounding.

Home loans — the questions that matter

How much home loan can I get on my salary?
Banks size the loan so the EMI sits near half your take-home. Rough anchors at an indicative 8.5% over 20 years: ₹50,000 take-home supports about ₹29 lakh; ₹1 lakh supports ₹57–58 lakh; ₹1.5 lakh about ₹86 lakh. Existing EMIs reduce these figures rupee-for-rupee at roughly double weight; co-applicants raise them.
What are the RBI LTV rules for home loans?
Loan-to-value caps by property price: 90% for homes up to ₹30 lakh, 80% for ₹30–75 lakh, 75% above ₹75 lakh — with stamp duty and registration excluded from the calculation. The bands read on property value, not loan amount, which makes deal structuring near the ₹30 lakh and ₹75 lakh lines worth real attention.
Are home loan prepayments free?
On floating-rate home loans, yes — RBI bars foreclosure and part-prepayment charges for individual borrowers, making prepayment the highest-yield risk-free move most households own. Fixed-rate loans may charge. Every guide on this page computes prepayment savings on its own amount, to the rupee.
Which bank is best for a home loan right now?
Floors cluster within ~20 bps of each other at the top lenders, so "best" is file-specific: your salary-account bank with a written competing quote usually lands the sharpest deal. What varies more than rate: processing speed on resale chains, under-construction tranche handling, and reset spreads on floating loans. Compare those, not just the headline.
Old regime or new regime for home-loan tax benefits?
Old regime preserves the classic deductions — ₹2 lakh interest (24b) and ₹1.5 lakh principal (80C) per owner-borrower on self-occupied homes. New regime drops them for lower slabs, keeping only let-out interest set-off. High-interest early years often favour the old regime for borrowers; model both, and re-check annually as the interest component falls.
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Disclaimer: BankCreds.com is a loan comparison platform and does not directly lend, disburse, or provide any financial products. We aggregate and display loan offers from RBI-registered banks and NBFCs to help you make an informed decision. All loan applications are processed directly by the respective lender. Interest rates, charges, eligibility, and terms shown are indicative and subject to the lender's final assessment. Please read the lender's terms and conditions carefully before applying.