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HDFC Bank ₹1 crore Home Loan EMI for 25 Years
At the advertised starting rate of 8.5%, the EMI is about ₹80,523 a month, with total interest of about ₹1,41,56,813.
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) | ₹80,523 | ₹1,41,56,813 | ₹2,41,56,813 |
| 9% | ₹83,920 | ₹1,51,75,891 | ₹2,51,75,891 |
| 9.5% | ₹87,370 | ₹1,62,10,900 | ₹2,62,10,900 |
| 10% | ₹90,870 | ₹1,72,61,022 | ₹2,72,61,022 |
| 10.5% | ₹94,418 | ₹1,83,25,451 | ₹2,83,25,451 |
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 | ₹1,20,911 | ₹8,45,362 | ₹9,66,273 | ₹98,79,089 |
| Year 2 | ₹1,31,598 | ₹8,34,674 | ₹9,66,273 | ₹97,47,491 |
| Year 3 | ₹1,43,230 | ₹8,23,042 | ₹9,66,273 | ₹96,04,260 |
| Year 4 | ₹1,55,891 | ₹8,10,382 | ₹9,66,273 | ₹94,48,369 |
| Year 5 | ₹1,69,670 | ₹7,96,602 | ₹9,66,273 | ₹92,78,699 |
| Year 6 | ₹1,84,667 | ₹7,81,605 | ₹9,66,273 | ₹90,94,032 |
| Year 7 | ₹2,00,990 | ₹7,65,282 | ₹9,66,273 | ₹88,93,042 |
| Year 8 | ₹2,18,756 | ₹7,47,516 | ₹9,66,273 | ₹86,74,286 |
| Year 9 | ₹2,38,092 | ₹7,28,180 | ₹9,66,273 | ₹84,36,194 |
| Year 10 | ₹2,59,137 | ₹7,07,135 | ₹9,66,273 | ₹81,77,056 |
| Year 11 | ₹2,82,043 | ₹6,84,230 | ₹9,66,273 | ₹78,95,014 |
| Year 12 | ₹3,06,973 | ₹6,59,300 | ₹9,66,273 | ₹75,88,041 |
| Year 13 | ₹3,34,106 | ₹6,32,166 | ₹9,66,273 | ₹72,53,935 |
| Year 14 | ₹3,63,638 | ₹6,02,634 | ₹9,66,273 | ₹68,90,297 |
| Year 15 | ₹3,95,780 | ₹5,70,492 | ₹9,66,273 | ₹64,94,516 |
| Year 16 | ₹4,30,764 | ₹5,35,509 | ₹9,66,273 | ₹60,63,753 |
| Year 17 | ₹4,68,839 | ₹4,97,433 | ₹9,66,273 | ₹55,94,913 |
| Year 18 | ₹5,10,281 | ₹4,55,992 | ₹9,66,273 | ₹50,84,632 |
| Year 19 | ₹5,55,385 | ₹4,10,888 | ₹9,66,273 | ₹45,29,248 |
| Year 20 | ₹6,04,476 | ₹3,61,797 | ₹9,66,273 | ₹39,24,772 |
| Year 21 | ₹6,57,906 | ₹3,08,367 | ₹9,66,273 | ₹32,66,866 |
| Year 22 | ₹7,16,059 | ₹2,50,214 | ₹9,66,273 | ₹25,50,807 |
| Year 23 | ₹7,79,352 | ₹1,86,921 | ₹9,66,273 | ₹17,71,456 |
| Year 24 | ₹8,48,239 | ₹1,18,033 | ₹9,66,273 | ₹9,23,216 |
| Year 25 | ₹9,23,216 | ₹43,056 | ₹9,66,273 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore HDFC Bank home loan for 25 years?
At HDFC Bank's starting rate of 8.5% the EMI is about ₹80,523 a month. If your offered rate is 9.5% it would be about ₹87,370.
How much total interest will I pay?
At 8.5% the total interest over 25 years is about ₹1,41,56,813, so you repay about ₹2,41,56,813 in all.