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HDFC Bank ₹30 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 8.5%, the EMI is about ₹24,157 a month, with total interest of about ₹42,47,044.
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) | ₹24,157 | ₹42,47,044 | ₹72,47,044 |
| 9% | ₹25,176 | ₹45,52,767 | ₹75,52,767 |
| 9.5% | ₹26,211 | ₹48,63,270 | ₹78,63,270 |
| 10% | ₹27,261 | ₹51,78,307 | ₹81,78,307 |
| 10.5% | ₹28,325 | ₹54,97,635 | ₹84,97,635 |
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 | ₹36,273 | ₹2,53,608 | ₹2,89,882 | ₹29,63,727 |
| Year 2 | ₹39,480 | ₹2,50,402 | ₹2,89,882 | ₹29,24,247 |
| Year 3 | ₹42,969 | ₹2,46,913 | ₹2,89,882 | ₹28,81,278 |
| Year 4 | ₹46,767 | ₹2,43,115 | ₹2,89,882 | ₹28,34,511 |
| Year 5 | ₹50,901 | ₹2,38,981 | ₹2,89,882 | ₹27,83,610 |
| Year 6 | ₹55,400 | ₹2,34,482 | ₹2,89,882 | ₹27,28,210 |
| Year 7 | ₹60,297 | ₹2,29,585 | ₹2,89,882 | ₹26,67,912 |
| Year 8 | ₹65,627 | ₹2,24,255 | ₹2,89,882 | ₹26,02,286 |
| Year 9 | ₹71,428 | ₹2,18,454 | ₹2,89,882 | ₹25,30,858 |
| Year 10 | ₹77,741 | ₹2,12,141 | ₹2,89,882 | ₹24,53,117 |
| Year 11 | ₹84,613 | ₹2,05,269 | ₹2,89,882 | ₹23,68,504 |
| Year 12 | ₹92,092 | ₹1,97,790 | ₹2,89,882 | ₹22,76,412 |
| Year 13 | ₹1,00,232 | ₹1,89,650 | ₹2,89,882 | ₹21,76,180 |
| Year 14 | ₹1,09,091 | ₹1,80,790 | ₹2,89,882 | ₹20,67,089 |
| Year 15 | ₹1,18,734 | ₹1,71,148 | ₹2,89,882 | ₹19,48,355 |
| Year 16 | ₹1,29,229 | ₹1,60,653 | ₹2,89,882 | ₹18,19,126 |
| Year 17 | ₹1,40,652 | ₹1,49,230 | ₹2,89,882 | ₹16,78,474 |
| Year 18 | ₹1,53,084 | ₹1,36,798 | ₹2,89,882 | ₹15,25,390 |
| Year 19 | ₹1,66,615 | ₹1,23,266 | ₹2,89,882 | ₹13,58,774 |
| Year 20 | ₹1,81,343 | ₹1,08,539 | ₹2,89,882 | ₹11,77,432 |
| Year 21 | ₹1,97,372 | ₹92,510 | ₹2,89,882 | ₹9,80,060 |
| Year 22 | ₹2,14,818 | ₹75,064 | ₹2,89,882 | ₹7,65,242 |
| Year 23 | ₹2,33,806 | ₹56,076 | ₹2,89,882 | ₹5,31,437 |
| Year 24 | ₹2,54,472 | ₹35,410 | ₹2,89,882 | ₹2,76,965 |
| Year 25 | ₹2,76,965 | ₹12,917 | ₹2,89,882 | ₹0 |
Frequently asked questions
What is the EMI for a ₹30 lakh HDFC Bank home loan for 25 years?
At HDFC Bank's starting rate of 8.5% the EMI is about ₹24,157 a month. If your offered rate is 9.5% it would be about ₹26,211.
How much total interest will I pay?
At 8.5% the total interest over 25 years is about ₹42,47,044, so you repay about ₹72,47,044 in all.