Home loan EMI calculator
Move the sliders to see your monthly EMI, total interest, and how each year's payment splits between principal and interest. Starting from your salary? Check what you can afford.
₹50,00,000
7.25% p.a.
20 years
7.25% is the lowest starting rate on current lender cards (select public-sector banks, 800+ CIBIL) — your actual offer depends on credit score, income, and loan-to-value.
Monthly EMI₹39,519
- Principal
- ₹50,00,000
- Total interest
- ₹44,84,512
- Total payable
- ₹94,84,512
Starting home loan rates
Published starting rates, updated October 2026. Your actual rate depends on credit score, income, and loan-to-value — confirm with the lender before applying.
| Lender | Type | Starts at | Range |
|---|---|---|---|
| Bank of Maharashtra | Public sector | 7.25% | 7.25 – 9.90% |
| Central Bank of India | Public sector | 7.25% | 7.25 – 9.50% |
| Bajaj Housing Finance | HFC | 7.25% | 7.25 – 10.25% |
| ICICI Bank | Private | 7.55% | 7.55% onwards |
| HDFC Bank | Private | 8.00% | 8.00 – 13.45% |
| South Indian Bank | Private | 8.50% | 8.50% onwards |
| Bank of India | Public sector | 7.10% | 7.10 – 10.25% |
| Indian Bank | Public sector | 7.15% | 7.15 – 9.15% |
| Canara Bank | Public sector | 7.15% | 7.15 – 10.00% |
| Union Bank of India | Public sector | 7.15% | 7.15 – 9.60% |
| LIC Housing Finance | HFC | 7.15% | 7.15 – 10.30% |
| Bank of Baroda | Public sector | 7.20% | 7.20 – 9.25% |
| State Bank of India | Public sector | 7.25% | 7.25% onwards |
| Axis Bank | Private | 8.00% | 8.00 – 11.90% |