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HDFC Bank ₹50 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 8.5%, the EMI is about ₹40,261 a month, with total interest of about ₹70,78,406.
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) | ₹40,261 | ₹70,78,406 | ₹1,20,78,406 |
| 9% | ₹41,960 | ₹75,87,945 | ₹1,25,87,945 |
| 9.5% | ₹43,685 | ₹81,05,450 | ₹1,31,05,450 |
| 10% | ₹45,435 | ₹86,30,511 | ₹1,36,30,511 |
| 10.5% | ₹47,209 | ₹91,62,726 | ₹1,41,62,726 |
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 | ₹60,455 | ₹4,22,681 | ₹4,83,136 | ₹49,39,545 |
| Year 2 | ₹65,799 | ₹4,17,337 | ₹4,83,136 | ₹48,73,745 |
| Year 3 | ₹71,615 | ₹4,11,521 | ₹4,83,136 | ₹48,02,130 |
| Year 4 | ₹77,945 | ₹4,05,191 | ₹4,83,136 | ₹47,24,185 |
| Year 5 | ₹84,835 | ₹3,98,301 | ₹4,83,136 | ₹46,39,350 |
| Year 6 | ₹92,334 | ₹3,90,803 | ₹4,83,136 | ₹45,47,016 |
| Year 7 | ₹1,00,495 | ₹3,82,641 | ₹4,83,136 | ₹44,46,521 |
| Year 8 | ₹1,09,378 | ₹3,73,758 | ₹4,83,136 | ₹43,37,143 |
| Year 9 | ₹1,19,046 | ₹3,64,090 | ₹4,83,136 | ₹42,18,097 |
| Year 10 | ₹1,29,569 | ₹3,53,568 | ₹4,83,136 | ₹40,88,528 |
| Year 11 | ₹1,41,021 | ₹3,42,115 | ₹4,83,136 | ₹39,47,507 |
| Year 12 | ₹1,53,486 | ₹3,29,650 | ₹4,83,136 | ₹37,94,021 |
| Year 13 | ₹1,67,053 | ₹3,16,083 | ₹4,83,136 | ₹36,26,967 |
| Year 14 | ₹1,81,819 | ₹3,01,317 | ₹4,83,136 | ₹34,45,148 |
| Year 15 | ₹1,97,890 | ₹2,85,246 | ₹4,83,136 | ₹32,47,258 |
| Year 16 | ₹2,15,382 | ₹2,67,754 | ₹4,83,136 | ₹30,31,876 |
| Year 17 | ₹2,34,420 | ₹2,48,717 | ₹4,83,136 | ₹27,97,457 |
| Year 18 | ₹2,55,140 | ₹2,27,996 | ₹4,83,136 | ₹25,42,316 |
| Year 19 | ₹2,77,692 | ₹2,05,444 | ₹4,83,136 | ₹22,64,624 |
| Year 20 | ₹3,02,238 | ₹1,80,898 | ₹4,83,136 | ₹19,62,386 |
| Year 21 | ₹3,28,953 | ₹1,54,183 | ₹4,83,136 | ₹16,33,433 |
| Year 22 | ₹3,58,029 | ₹1,25,107 | ₹4,83,136 | ₹12,75,404 |
| Year 23 | ₹3,89,676 | ₹93,460 | ₹4,83,136 | ₹8,85,728 |
| Year 24 | ₹4,24,120 | ₹59,017 | ₹4,83,136 | ₹4,61,608 |
| Year 25 | ₹4,61,608 | ₹21,528 | ₹4,83,136 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh HDFC Bank home loan for 25 years?
At HDFC Bank's starting rate of 8.5% the EMI is about ₹40,261 a month. If your offered rate is 9.5% it would be about ₹43,685.
How much total interest will I pay?
At 8.5% the total interest over 25 years is about ₹70,78,406, so you repay about ₹1,20,78,406 in all.