₹1.5 Crore Home Loan EMI Calculator
See the EMI and total interest on a ₹1.5 Crore home loan in India across tenures. Free, no signup.
₹
%
yrs
Your monthly payment₹1,30,173
Principal₹1,50,00,000
Total interest₹1,62,41,636
Total₹3,12,41,636
Calculated live on this page · reference rates June 2026. Open the full tool →
EMI for a ₹1.5 Crore home loan (8.5%)
| Tenure | Monthly EMI | Total interest |
|---|---|---|
| 10 years | ₹185,979 | ₹7,317,424 |
| 15 years | ₹147,711 | ₹11,587,968 |
| 20 years | ₹130,173 | ₹16,241,636 |
| 25 years | ₹120,784 | ₹21,235,219 |
| 30 years | ₹115,337 | ₹26,521,328 |
Assumes 8.5% p.a. RBI-linked floating rate. Adjust your rate and tenure above.
The real cost
A ₹1.5 Crore home loan at 8.5% for 20 years:
- EMI: ₹130,173
- Total interest: ₹16,241,636
- Total payable: ₹31,241,636
Frequently Asked Questions
What is the EMI for a ₹1.5 Crore home loan?
At 8.5% for 20 years, the EMI on a ₹1.5 Crore home loan is about ₹130,173, with ~₹16,241,636 total interest.
What salary do I need for a ₹1.5 Crore home loan?
Banks keep the EMI within ~40–50% of net income (FOIR). Use the affordability tool to check eligibility for your salary.
Can I reduce the interest?
Yes — shorter tenure, larger down payment, and prepayments. Indian floating-rate loans have no prepayment penalty for individuals.
Fixed or floating rate?
Most Indian home loans are floating (RBI repo/EBLR-linked), so the EMI changes when the RBI moves rates.