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HDFC Bank ₹75 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 8.5%, the EMI is about ₹65,087 a month, with total interest of about ₹81,20,818.
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) | ₹65,087 | ₹81,20,818 | ₹1,56,20,818 |
| 9% | ₹67,479 | ₹86,95,067 | ₹1,61,95,067 |
| 9.5% | ₹69,910 | ₹92,78,361 | ₹1,67,78,361 |
| 10% | ₹72,377 | ₹98,70,390 | ₹1,73,70,390 |
| 10.5% | ₹74,878 | ₹1,04,70,838 | ₹1,79,70,838 |
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 | ₹1,49,267 | ₹6,31,774 | ₹7,81,041 | ₹73,50,733 |
| Year 2 | ₹1,62,461 | ₹6,18,580 | ₹7,81,041 | ₹71,88,272 |
| Year 3 | ₹1,76,821 | ₹6,04,220 | ₹7,81,041 | ₹70,11,451 |
| Year 4 | ₹1,92,451 | ₹5,88,590 | ₹7,81,041 | ₹68,19,000 |
| Year 5 | ₹2,09,461 | ₹5,71,580 | ₹7,81,041 | ₹66,09,539 |
| Year 6 | ₹2,27,976 | ₹5,53,065 | ₹7,81,041 | ₹63,81,563 |
| Year 7 | ₹2,48,127 | ₹5,32,914 | ₹7,81,041 | ₹61,33,436 |
| Year 8 | ₹2,70,059 | ₹5,10,982 | ₹7,81,041 | ₹58,63,377 |
| Year 9 | ₹2,93,930 | ₹4,87,111 | ₹7,81,041 | ₹55,69,447 |
| Year 10 | ₹3,19,910 | ₹4,61,130 | ₹7,81,041 | ₹52,49,537 |
| Year 11 | ₹3,48,188 | ₹4,32,853 | ₹7,81,041 | ₹49,01,349 |
| Year 12 | ₹3,78,964 | ₹4,02,077 | ₹7,81,041 | ₹45,22,385 |
| Year 13 | ₹4,12,461 | ₹3,68,580 | ₹7,81,041 | ₹41,09,923 |
| Year 14 | ₹4,48,919 | ₹3,32,122 | ₹7,81,041 | ₹36,61,004 |
| Year 15 | ₹4,88,599 | ₹2,92,441 | ₹7,81,041 | ₹31,72,405 |
| Year 16 | ₹5,31,787 | ₹2,49,254 | ₹7,81,041 | ₹26,40,618 |
| Year 17 | ₹5,78,792 | ₹2,02,249 | ₹7,81,041 | ₹20,61,825 |
| Year 18 | ₹6,29,952 | ₹1,51,089 | ₹7,81,041 | ₹14,31,873 |
| Year 19 | ₹6,85,634 | ₹95,406 | ₹7,81,041 | ₹7,46,238 |
| Year 20 | ₹7,46,238 | ₹34,803 | ₹7,81,041 | ₹0 |
Frequently asked questions
What is the EMI for a ₹75 lakh HDFC Bank home loan for 20 years?
At HDFC Bank's starting rate of 8.5% the EMI is about ₹65,087 a month. If your offered rate is 9.5% it would be about ₹69,910.
How much total interest will I pay?
At 8.5% the total interest over 20 years is about ₹81,20,818, so you repay about ₹1,56,20,818 in all.