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What is the EMI on a ₹50 lakh home loan at 8.5% for 20 years?

A ₹50,00,000 home loan at 8.5% over 20 years works out to an EMI of about ₹43,391, with total interest of ₹54,13,879 over the loan’s life.

8.5% p.a.
20 years
Loan amount: ₹50,00,000 (48%)Interest: ₹54,13,879 (52%)

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An EMI (Equated Monthly Installment) calculator computes the fixed monthly amount you repay on a loan, using the reducing-balance method — the standard method used by Indian banks and NBFCs for home, car, and personal loans.

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