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HDFC Bank ₹20 lakh Home Loan EMI for 15 Years
At the advertised starting rate of 8.5%, the EMI is about ₹19,695 a month, with total interest of about ₹15,45,062.
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) | ₹19,695 | ₹15,45,062 | ₹35,45,062 |
| 9% | ₹20,285 | ₹16,51,360 | ₹36,51,360 |
| 9.5% | ₹20,884 | ₹17,59,209 | ₹37,59,209 |
| 10% | ₹21,492 | ₹18,68,578 | ₹38,68,578 |
| 10.5% | ₹22,108 | ₹19,79,436 | ₹39,79,436 |
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 | ₹68,984 | ₹1,67,354 | ₹2,36,337 | ₹19,31,016 |
| Year 2 | ₹75,081 | ₹1,61,256 | ₹2,36,337 | ₹18,55,935 |
| Year 3 | ₹81,718 | ₹1,54,620 | ₹2,36,337 | ₹17,74,217 |
| Year 4 | ₹88,941 | ₹1,47,396 | ₹2,36,337 | ₹16,85,276 |
| Year 5 | ₹96,803 | ₹1,39,535 | ₹2,36,337 | ₹15,88,473 |
| Year 6 | ₹1,05,359 | ₹1,30,978 | ₹2,36,337 | ₹14,83,114 |
| Year 7 | ₹1,14,672 | ₹1,21,666 | ₹2,36,337 | ₹13,68,442 |
| Year 8 | ₹1,24,808 | ₹1,11,530 | ₹2,36,337 | ₹12,43,634 |
| Year 9 | ₹1,35,840 | ₹1,00,498 | ₹2,36,337 | ₹11,07,794 |
| Year 10 | ₹1,47,847 | ₹88,491 | ₹2,36,337 | ₹9,59,947 |
| Year 11 | ₹1,60,915 | ₹75,422 | ₹2,36,337 | ₹7,99,032 |
| Year 12 | ₹1,75,139 | ₹61,199 | ₹2,36,337 | ₹6,23,894 |
| Year 13 | ₹1,90,619 | ₹45,718 | ₹2,36,337 | ₹4,33,275 |
| Year 14 | ₹2,07,468 | ₹28,869 | ₹2,36,337 | ₹2,25,806 |
| Year 15 | ₹2,25,806 | ₹10,531 | ₹2,36,337 | ₹0 |
Frequently asked questions
What is the EMI for a ₹20 lakh HDFC Bank home loan for 15 years?
At HDFC Bank's starting rate of 8.5% the EMI is about ₹19,695 a month. If your offered rate is 9.5% it would be about ₹20,884.
How much total interest will I pay?
At 8.5% the total interest over 15 years is about ₹15,45,062, so you repay about ₹35,45,062 in all.