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HDFC Bank ₹1 crore Home Loan EMI for 20 Years
At the advertised starting rate of 8.5%, the EMI is about ₹86,782 a month, with total interest of about ₹1,08,27,758.
Source: HDFC Bank official page, checked on November 2026 (2026-11-01).
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Prepayment options (optional): pay extra to finish sooner
EMI at higher rates
| Rate | EMI | Total interest | Total payment |
|---|---|---|---|
| 8.5% (starting) | ₹86,782 | ₹1,08,27,758 | ₹2,08,27,758 |
| 9% | ₹89,973 | ₹1,15,93,423 | ₹2,15,93,423 |
| 9.5% | ₹93,213 | ₹1,23,71,149 | ₹2,23,71,149 |
| 10% | ₹96,502 | ₹1,31,60,519 | ₹2,31,60,519 |
| 10.5% | ₹99,838 | ₹1,39,61,117 | ₹2,39,61,117 |
Year-by-year repayment schedule at 8.5%
How much of each year's payments goes to principal and to interest, and what you still owe at the end of the year. Use the calculator above for a month-by-month view and prepayment options.
| Year | Principal | Interest | Paid | Balance left |
|---|---|---|---|---|
| Year 1 | ₹1,99,023 | ₹8,42,365 | ₹10,41,388 | ₹98,00,977 |
| Year 2 | ₹2,16,615 | ₹8,24,773 | ₹10,41,388 | ₹95,84,362 |
| Year 3 | ₹2,35,762 | ₹8,05,626 | ₹10,41,388 | ₹93,48,601 |
| Year 4 | ₹2,56,601 | ₹7,84,787 | ₹10,41,388 | ₹90,92,000 |
| Year 5 | ₹2,79,282 | ₹7,62,106 | ₹10,41,388 | ₹88,12,718 |
| Year 6 | ₹3,03,968 | ₹7,37,420 | ₹10,41,388 | ₹85,08,750 |
| Year 7 | ₹3,30,836 | ₹7,10,552 | ₹10,41,388 | ₹81,77,915 |
| Year 8 | ₹3,60,079 | ₹6,81,309 | ₹10,41,388 | ₹78,17,836 |
| Year 9 | ₹3,91,906 | ₹6,49,482 | ₹10,41,388 | ₹74,25,930 |
| Year 10 | ₹4,26,547 | ₹6,14,841 | ₹10,41,388 | ₹69,99,382 |
| Year 11 | ₹4,64,250 | ₹5,77,138 | ₹10,41,388 | ₹65,35,132 |
| Year 12 | ₹5,05,286 | ₹5,36,102 | ₹10,41,388 | ₹60,29,846 |
| Year 13 | ₹5,49,948 | ₹4,91,439 | ₹10,41,388 | ₹54,79,898 |
| Year 14 | ₹5,98,559 | ₹4,42,829 | ₹10,41,388 | ₹48,81,339 |
| Year 15 | ₹6,51,466 | ₹3,89,922 | ₹10,41,388 | ₹42,29,873 |
| Year 16 | ₹7,09,050 | ₹3,32,338 | ₹10,41,388 | ₹35,20,823 |
| Year 17 | ₹7,71,723 | ₹2,69,665 | ₹10,41,388 | ₹27,49,100 |
| Year 18 | ₹8,39,937 | ₹2,01,451 | ₹10,41,388 | ₹19,09,164 |
| Year 19 | ₹9,14,179 | ₹1,27,209 | ₹10,41,388 | ₹9,94,984 |
| Year 20 | ₹9,94,984 | ₹46,403 | ₹10,41,388 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore HDFC Bank home loan for 20 years?
At HDFC Bank's starting rate of 8.5% the EMI is about ₹86,782 a month. If your offered rate is 9.5% it would be about ₹93,213.
How much total interest will I pay?
At 8.5% the total interest over 20 years is about ₹1,08,27,758, so you repay about ₹2,08,27,758 in all.