EMI for a ₹80 lakh home loan

Rules for FY 2026-27 · Checked 24 October 2026

Short answer

The EMI on a ₹80 lakh home loan is ₹69,426 a month at 8.5% for 20 years. Over the loan you pay ₹86.62L in interest, ₹1.67Cr in all. Most lenders would want a take-home pay of about ₹1,38,852 a month for this EMI.

  • EMI a month₹69,4268.5%, 20 years
  • Total interest₹86.62L108% of the loan
  • Take-home needed₹1,38,852About twice the EMI
  • One extra EMI a yearSaves ₹16.47LEnds 3 years 3 months early

EMI on ₹80 lakh at different rates and tenures

Tenure7.5%8%8.5%9%9.5%
10 years₹94,961₹97,062₹99,189₹1,01,341₹1,03,518
15 years₹74,161₹76,452₹78,779₹81,141₹83,538
20 years₹64,447₹66,915₹69,426₹71,978₹74,570
25 years₹59,119₹61,745₹64,418₹67,136₹69,896
30 years₹55,937₹58,701₹61,513₹64,370₹67,268

A longer tenure lowers the EMI but adds a lot of interest. Choose the shortest tenure whose EMI you can pay comfortably, and prepay when you can.

EMI on nearby loan amounts

LoanEMI (8.5%, 20 years)Total interest
₹70 lakh₹60,748₹75.79L
₹75 lakh₹65,087₹81.21L
₹80 lakh₹69,426₹86.62L
₹90 lakh₹78,104₹97.45L
₹1 crore₹86,782₹1.08Cr

Try your own rate and prepayments

80 lakh
₹
%

Home loans 7.5–9.5%, car loans 8.5–11%, personal loans 10.5–24%.

yrs
₹

A prepayment at the end of each year. Your EMI stays the same; the loan ends sooner.

Monthly EMI₹69,426

for 20 years.

  • You pay ₹86.62L in interest: 108% of the loan.
  • In the first year, 81% of every EMI goes to interest.
  • Paying ₹1.6L extra a year would save ₹29.69L of interest.
Total paid₹1.67Cr
  • Principal₹80,00,000
  • Total interest₹86,62,206
Total interest
₹86,62,206
Total paid (principal + interest)
₹1,66,62,206
Loan left at the end of each yearYear 20: ₹0 left
1234567891011121314151617181920
Repayment schedule by year
YearPrincipalInterestBalance
1₹1,59,218₹6,73,892₹78,40,782
2₹1,73,292₹6,59,819₹76,67,490
3₹1,88,609₹6,44,501₹74,78,881
4₹2,05,281₹6,27,830₹72,73,600
5₹2,23,425₹6,09,685₹70,50,175
6₹2,43,174₹5,89,936₹68,07,000
7₹2,64,669₹5,68,442₹65,42,332
8₹2,88,063₹5,45,047₹62,54,269
9₹3,13,525₹5,19,585₹59,40,744
10₹3,41,238₹4,91,872₹55,99,506
11₹3,71,400₹4,61,710₹52,28,106
12₹4,04,229₹4,28,882₹48,23,877
13₹4,39,959₹3,93,152₹43,83,918
14₹4,78,847₹3,54,263₹39,05,071
15₹5,21,173₹3,11,938₹33,83,898
16₹5,67,240₹2,65,871₹28,16,659
17₹6,17,379₹2,15,732₹21,99,280
18₹6,71,949₹1,61,161₹15,27,331
19₹7,31,343₹1,01,767₹7,95,988
20₹7,95,988₹37,123₹0

Frequently asked questions

What is the EMI for a ₹80 lakh home loan for 20 years?

₹69,426 a month at 8.5%. At 8% it is ₹66,915 and at 9% it is ₹71,978.

How much salary do I need for a ₹80 lakh home loan?

Many lenders keep all your EMIs within about half of your take-home pay, so an EMI of ₹69,426 needs roughly ₹1,38,852 a month in hand, if you have no other loans. Each lender has its own limits.

How much interest will I pay on a ₹80 lakh home loan?

About ₹86.62L over 20 years at 8.5%, so you repay ₹1.67Cr in all. Paying one extra EMI a year saves about ₹16.47L and ends the loan 3 years 3 months early.

EMI for other loan amounts