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HDFC Bank ₹20 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 8.5%, the EMI is about ₹16,105 a month, with total interest of about ₹28,31,363.
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) | ₹16,105 | ₹28,31,363 | ₹48,31,363 |
| 9% | ₹16,784 | ₹30,35,178 | ₹50,35,178 |
| 9.5% | ₹17,474 | ₹32,42,180 | ₹52,42,180 |
| 10% | ₹18,174 | ₹34,52,204 | ₹54,52,204 |
| 10.5% | ₹18,884 | ₹36,65,090 | ₹56,65,090 |
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 | ₹24,182 | ₹1,69,072 | ₹1,93,255 | ₹19,75,818 |
| Year 2 | ₹26,320 | ₹1,66,935 | ₹1,93,255 | ₹19,49,498 |
| Year 3 | ₹28,646 | ₹1,64,608 | ₹1,93,255 | ₹19,20,852 |
| Year 4 | ₹31,178 | ₹1,62,076 | ₹1,93,255 | ₹18,89,674 |
| Year 5 | ₹33,934 | ₹1,59,320 | ₹1,93,255 | ₹18,55,740 |
| Year 6 | ₹36,933 | ₹1,56,321 | ₹1,93,255 | ₹18,18,806 |
| Year 7 | ₹40,198 | ₹1,53,056 | ₹1,93,255 | ₹17,78,608 |
| Year 8 | ₹43,751 | ₹1,49,503 | ₹1,93,255 | ₹17,34,857 |
| Year 9 | ₹47,618 | ₹1,45,636 | ₹1,93,255 | ₹16,87,239 |
| Year 10 | ₹51,827 | ₹1,41,427 | ₹1,93,255 | ₹16,35,411 |
| Year 11 | ₹56,409 | ₹1,36,846 | ₹1,93,255 | ₹15,79,003 |
| Year 12 | ₹61,395 | ₹1,31,860 | ₹1,93,255 | ₹15,17,608 |
| Year 13 | ₹66,821 | ₹1,26,433 | ₹1,93,255 | ₹14,50,787 |
| Year 14 | ₹72,728 | ₹1,20,527 | ₹1,93,255 | ₹13,78,059 |
| Year 15 | ₹79,156 | ₹1,14,098 | ₹1,93,255 | ₹12,98,903 |
| Year 16 | ₹86,153 | ₹1,07,102 | ₹1,93,255 | ₹12,12,751 |
| Year 17 | ₹93,768 | ₹99,487 | ₹1,93,255 | ₹11,18,983 |
| Year 18 | ₹1,02,056 | ₹91,198 | ₹1,93,255 | ₹10,16,926 |
| Year 19 | ₹1,11,077 | ₹82,178 | ₹1,93,255 | ₹9,05,850 |
| Year 20 | ₹1,20,895 | ₹72,359 | ₹1,93,255 | ₹7,84,954 |
| Year 21 | ₹1,31,581 | ₹61,673 | ₹1,93,255 | ₹6,53,373 |
| Year 22 | ₹1,43,212 | ₹50,043 | ₹1,93,255 | ₹5,10,161 |
| Year 23 | ₹1,55,870 | ₹37,384 | ₹1,93,255 | ₹3,54,291 |
| Year 24 | ₹1,69,648 | ₹23,607 | ₹1,93,255 | ₹1,84,643 |
| Year 25 | ₹1,84,643 | ₹8,611 | ₹1,93,255 | ₹0 |
Frequently asked questions
What is the EMI for a ₹20 lakh HDFC Bank home loan for 25 years?
At HDFC Bank's starting rate of 8.5% the EMI is about ₹16,105 a month. If your offered rate is 9.5% it would be about ₹17,474.
How much total interest will I pay?
At 8.5% the total interest over 25 years is about ₹28,31,363, so you repay about ₹48,31,363 in all.